Finance options
At IKEA, we want to ensure that everyone can create a home that matches their style, not just their budget. That’s why we have finance options whether you need a few weeks, or a couple of years.
Start exploring:
Afterpay
Q Mastercard
Gem Visa
Pay in instalments with Afterpay
Available online and in-store
Enjoy today, pay later. Pay 25% now and the rest over six weeks with no fees when you pay on time.*
*Late fees, eligibility criteria and T&Cs apply. Afterpay NZ Limited. For full Terms visit afterpay.com
How to shop with Aftepay
Long term interest-free with Q Mastercard1
Available online and in-store
Q Mastercard is an everyday credit card that offers up to 50 months interest free1 on purchases at IKEA. Transactions cannot be combined once completed.
- Spend $5,000 or more to activate 50 months interest free
- Spend $2,500 to $4,999 to activate 36 months interest free
- Spend $1,500 to $2,499 to activate 24 months interest free
- Spend $800 to $1,499 to activate 12 months interest free & no payments
- Spend $250 to $799 to activate 6 months interest free & no payments
- Spend $1 to $249 to activate 3 months interest free & no payments
Existing customers
Simply pay with your Q Mastercard in-store or online at IKEA and the interest free period will be automatically applied to your purchase.
New customers
Apply online in less than 10 minutes. Once approved use your digital wallet to shop online or in-store. Your physical card may take up to 10 days to arrive.
For full Terms visit qcard.co.nz
Long term interest-free with Gem Visa2
Available online and in-store
If you’re replacing a mattress or installing a new kitchen, Gem Visa offers interest free options to manage your repayments.
- Spend $5,000 or more to activate 50 months interest free
- Spend $2,500 to $4,999 to activate 36 months interest free
- Spend $1,500 to $2,499 to activate 24 months interest free
- Spend $800 to $1,499 to activate 12 months interest free
- Spend $250 to $799 to activate 6 months interest free
Existing customers
Simply tap your card or enter details online and the interest free period will be automatically applied to qualified purchases.
New customers
Apply online for a Gem Visa in around 10 minutes. You’ll need to be over 18, have a valid email address and NZ phone number, be either a NZ citizen or permanent resident and include proof of income by sharing your online bank statements or uploading income documents. Once approved, activate your card using the Latitude app.
For full Terms visit gemfinance.co.nz
Related pages
1 New customers need to apply and be approved for a Q Mastercard credit card. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Minimum spend limits apply. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply. Credit is provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card). Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
2 Lending criteria, T&Cs and fees apply, including a $55 establishment fee and a $65 annual fee ($32.50 half-yearly). Standard interest rate (currently 29.49% p.a.) applies after the interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), may not be sufficient to repay the purchase amount(s) within the promotional period. Further information on rates and fees can be found at https://gemfinance.co.nz. New customers must apply for and be approved for a Gem Visa credit card. Credit provided by Latitude Financial Services Limited.