Financial services
We help you with financing so you can buy what you need when you need it. With the IKEA card from Ikano Bank, you can choose to either postpone the payment or split it into parts.
Buy now, pay later | Split your purchase | Financing for businesses | FAQs
Split your purchase with monthly payments
For purchases between 1.500,– and 250.000,–, you can split the payment into smaller monthly payments at an interest rate of 8,9%.
- There are no fees associated with the monthly payments.
- The repayment period depends on the purchase amount.
- Maximum repayment time is 33 months.
- Interest will accrue from the first day.
Remember to include IKEA delivery costs in your desired loan amount.
Please note that the loan calculator will only give you an estimate. The result should not be interpreted as a loan promise.
Enter an amount between 1.500,– and 250.000,–
Buy now, pay later
For purchases over 1.500,–, you can defer the payment for up to 12 months interest-free with the IKEA Card from Ikano Bank, and you can get up to 250.000,– in credit. There is no annual fee or setup fee – you only pay a deferral fee:
6 months: 280,–
9 months: 420,–
12 months: 560,–
After the deferral period, standard terms apply.
Price example: 35,000,– over 12 months gives an effective interest rate of 22.32%, cost of 4,181,–, total 39,181,–
Apply for an IKEA card from Ikano Bank
To apply, you must be over 18 years old and have no payment remarks. Your application will be processed immediately, and you can start shopping as soon as your application is approved.
Want to start shopping right away?
Then you can visit this link at Ikano (in Norwegian) to get the information you need sent to you: https://ikanobank.no/selvbetjening/kortinfo
You can also bring the reference number you have received, along with valid identification, to your nearest store to get a temporary card that can be used at the store
How to activate monthly payments or buy now, pay later
- Log in to ikanobank.no and My Page 1-3 business days after your purchase.
- On My Page, choose your preferred payment option.
- You need to select monthly payments before the 3rd of the month or buy now, pay later, before the 21st of the month. You'll receive an invoice the following month with updated information based on your chosen payment option.
- If you don't make an active choice, the total amount will be invoiced the following month, with a billing fee of 0,–.
Enjoy the benefits
Simplicity
Whether you're applying for a credit card or a loan, our process is quick and easy.
Flexibility
It’s your home — on your terms. Select how you pay and spread out your payments over time.
Affordability
With a flexible payment schedule, you can refresh that room right now.
Do you shop for your business?
We have different payment solutions, regardless of the size of your business. When you make a purchase for your business, you can pay with a bank card, invoice with an IKEA business account, or lease furniture from IKEA.
Did you know that IKEA offers a unique benefit program for business customers – IKEA Business Network? As a member, you get a 5 % discount on all products, member offers, and access to receipts and purchase history.
Frequently asked questions
Have questions?
Get answers and learn more about IKEA Financial Services.