Financial Services

Give your home a new life with the help of our financing solutions. Making changes at home can be tricky if we spend more than anticipated. So, whether in-store, IKEA.pt or over the phone, shop and pay at your own pace, from 3x to 72x, with and without interest.

Find the product that suits your needs

Woman receiving IKEA packages at her doorstep, greeted by a smiling delivery man.

IKEA Family credit card. APR 18.9%

Ideal for those who shop at IKEA
No card issuance fee
Usable on Visa and Multibanco networks
Credit limit up to 5.000€

Know more about IKEA Family credit card

Man standing at kitchen counter, chopping food on a PROPPMÄTT cutting board while a woman prepares plates at high table with glass teapots in the foreground.

IKEA credit line. APR 18,9%

Ideal for any project at IKEA
Credit limit from 1.500€ to 30.000€
Use of the assigned credit limit for 4 months
Payment options from 3x to 30x installments with no interest

Know more about IKEA credit line

Smiling man seated on grey ÄPPLARYD sofa in living room surrounded by plants, holding a green plant.

3x with no costs

Ideal for online purchases from 45€ to 1.200€
Simple, fast and secure online registration
No interest or charges (APR 0%)
Refund in 3 months, with the possibility of early repayment

Know more about 3x with no costs

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.

Your business, your terms

Whether you’re overhauling your whole office or rethinking your at-home workspace, explore Financial Services for business and get a financing solution that gets you ready to do your best work yet.

Explore solutions

Frequently asked questions

Yes, we offer interest-free credit (0% APR Representative) from 60 to 20.000€ when shopping in-store, online or through an online planning appointment. Our Interest-free credit is available over different time periods, depending on how much you borrow:

Amount Duration

Entre 60€ e 120€ 3 months

Entre 120€ e 200€ 3 ou 6 months

Entre 200€ e 800€ 3, 6 ou 10 months

Entre 800€ e 1 500€ 3, 6, 10 ou 20 months

Entre 1 500€ e 20 000€ 10, 20, ou 30 months

You can opt for financing on all IKEA products and include delivery/collection or kitchen installation.
You can return or exchange any IKEA furniture purchased using our interest-free credit, in accordance with IKEA's repayment policy. The repayment will be processed by Oney Bank according to your existing financing agreement. The repayment is not issued by the store or Customer Service.

If you have to pay for kitchen installation, delivery or removal services, you can add these to the amount you wish to borrow.