Skip to main content

Finance services

Pay in 3 interest-free instalments

You can now spread your payment into three equal monthly instalments. The first payment is due at the checkout, with the remaining two instalments paid 30 days and 60 days later, respectively.

  • Buy now, pay in 3 instalments
  • 0% interest
  • For orders between €99 - €1,000

How does it work? 

  1. Create your shopping list. Remember to include any additional services you'd like to use such as installation, delivery or collection. We will automatically add €100 to your application to cover these charges, however, you will only repay the amount you use.
  2. Complete your application by sharing a few details about yourself. Have your credit/debit card nearby. 
  3. You’ll receive a virtual card once your application is approved. Use this virtual card in the checkout to complete your purchase.
Apply for instalments

 After clicking 'Apply for instalments', you will be redirected to the Jifiti site

General Terms and Conditions

By proceeding with your application to the Split Payment program you agree to Jifiti’s Terms & Conditions. You consent to Jifiti’s use of any information you provide in order to determine your eligibility for the program and to support your repayment plan.

Frequently asked questions

  • Pay in 3 instalments is available for individual IKEA customers. Business customers are not eligible. Customers can apply by clicking on the “apply for instalments” option above where you will be redirected to our partner Jifiti where you can complete your application. You will receive a virtual card at the end of the application journey which can be used in the IKEA.IE checkout and in-store.

  • No, your virtual card is valid for one use only, meaning a physical card will not be necessary.

  • You can contact the support team via email:

    Customer care is available 7am to 9pm Ireland time.

    If they are unable to resolve your complaint, you may refer your complaint to the Financial Services and Pensions Ombudsman (FSPO). The FSPO is independent and free service to complainants and there is no cost for bringing a complaint to the FSPO. More information can be found on the FSPO website.

    You may also contact FSPO by postal mail or personally:

    The Financial Services and Pension Ombudsman, Lincoln House, Lincoln Place, Dublin

    Phone: +353 1 567 7000


  • You can retry, using another debit/credit card in your possession.Or, return to IKEA's checkout page and select another payment option.

  • You can contact the support team via email: Customer care is available 7am to 9pm Ireland time.

  • You can either return the product to an IKEA store within Ireland or contact our customer support centre who will be happy to assist in the return of your product. A refund will then be processed to the virtual card resulting in a lower final payment(s). If you have already paid off your instalments, a refund will be processed back to the original credit/debit card linked to your virtual card used to pay the 3 instalments.

  • All IKEA products excluding gift cards are eligible, given you have met the minimum threshold amount of €99.