Financing
With IKEA Finansiering Lån you can divide the payment for both small and large interior design projects. Borrow up to 200,000:- completely interest-free and make your purchases online or at any of our stores. You can also apply for 20,000 – 200,000 SEK at low interest rates.*
Interest-free loan up to 200 000:- | 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 fixed interest rate is 0% for an agreed repayment period of 3 or 10 months (applies for loans SEK 1,000 – 29,999:-) or 20 months (applicable for loans 10,000 – 200,000:-). Example: Borrow SEK 15,000:- with 0% fixed interest, 0:- in fees. If the fees are not changed the repayment period will be 10 months, the monthly amount 1,500:-, the total repayment amount SEK 15,000:- and the effective interest 0% (2025-10-01). For an agreed repayment period longer than 20 months, the fixed interest rate is 0% for up to 90 days, thereafter 2.99% (effective interest rate 2.45% at 30 months and 2.66% at 48 months). The lender 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 200,000:-
For smaller renovation projects, you can borrow up to 200,00:- and split the payment over 3, 10 or 20 months, completely 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.)
English version
النسخة العربية
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.