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How does the IKEA Credit Line work?

For the big plans that transform your home.

Planning to renovate your kitchen? Redecorate your living room? Or give your bedroom a fresh new look? With the IKEA Credit Line, you can bring your ideas to life with more flexibility and peace of mind.

With financing between €1,500 and €20,000, you can split larger purchases made in IKEA stores or on IKEA.pt. All with the freedom to choose how and when to use your credit.

How to apply?
It’s simple. Just be an IKEA Family member and visit any IKEA store. Once approved, you’ll have 4 months to use your assigned credit limit.

What you need to bring:

  • Civil and tax identification document
  • IBAN proof (issued within the last 90 days)
  • Proof of income (e.g., 3 payslips)
  • Proof of permanent address (e.g., water, electricity, communications or gas bill)
  • Proof of tax address, if different from permanent address

Credit example:
For a credit limit of €1,500, paid over 12 months:

  • Nominal Annual Rate (TAN): 18.30%
  • Annual Percentage Rate (APR/TAEG): 19.1%
    Application subject to approval by Oney Bank Sucursal in Portugal.

IKEA Portugal acts as a credit intermediary on an ancillary basis and without exclusivity.

Discover the advantages of the IKEA credit line.

 

 

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