Financing
With IKEA Finansiering Lån, you can divide the payment for both small and large interior design projects. Borrow up to 29,999:- completely interest-free and make your purchases online or at any of our stores. You can also apply for 20,000 – 200,000:- at a low interest rate.*
Interest-free loan up to 29 999:- | Low-interest loan | How does it work? | Financing for businesses
Already have IKEA Finansiering Lån? Log in
On 'My Pages,' you can easily view your card details, current loan amount, available balance, and upcoming payments.
By clicking on the link above, you will be redirected to a Swedish website.
*The interest is 0% when the agreed repayment period is 3 or 10 months (applicable for loans 1 000 – 29 999:-). Example: Borrow 15 000:- with 0% fixed interest, 0:- in fees. If the fees are not changed, the repayment period is 10 months, the monthly amount 1500:-, the total repayment amount 15 000:- and the effective interest 0% (2024-10-01). For agreed repayment periods longer of than 10 months, the fixed interest is 0% for up to 90 days, thereafter 2.99% (eff. interest rate 2.45% at 30 months and 2.66% at 48 months). The creditor is Ikano Bank AB (publ).
⚠️Borrowing costs money!
If you cannot repay the debt on time, you risk getting a payment remark. This may lead to difficulties in renting a home, signing subscriptions, and obtaining new loans. For support, contact the budget and debt advisory service in your municipality. Contact information can be found on konsumentverket.se.
Explore our financing options for your home
Whether you're planning for a new kitchen or you need to make room for a larger sofa, you have the opportunity to pay for your purchase in installments.
Interest-free and no fees – up to 29,999:-
For smaller renovation projects, you can borrow up to 29,999:- and split the payment over 3 and 10 months completely interest-free and without any additional fees.
You will be redirected to Ikano Bank.
(By clicking the link above, you will be redirected to a Swedish website.)
For longer repayment periods – up to 200,000:-
If you're considering a kitchen makeover or planning for a larger project, you can apply for a loan of 20,000 - 200,000:- and split the payment over 30 or 48 months. The fixed interest is 0% for up to 90 days, thereafter 2.99% and no fees.
You will be redirected to Ikano Bank.
(By clicking the link above, you will be redirected to a Swedish website.)
Here's how IKEA Financing Loan works
1. Create your shopping list
Remember to include costs for IKEA delivery in your desired loan amount.
2. Calculate the amount and apply online
When you submit your application, we will conduct a credit check.
Apply for a loan(By clicking on the links above, you will be redirected to a Swedish website.)
Financing for your business
- Business invoice
With our invoice for businesses, you can shop seamlessly at IKEA, with IKEA as the credit provider. Read more about our Terms & conditions and apply by contacting your nearest store.
- Leasing - invest without the need to tie up capital
In certain situations, leasing furniture may be more suitable than purchasing. Leasing is a leasing agreement between you and the credit provider. Read more and apply for Leasing. (By clicking this link, you will be redirected to a Swedish website.)
By clicking the link above, you will be redirected to a Swedish website.