Financing options for your home

Split the payment for your interior design project with IKEA Finansiering Lån. Apply for up to 200,000:-^* and make your purchases online or in any of our stores.

Interest-free loan up to 29 999:- | Low-interest loan | Calculate your monthly cost | How does it work? | How to shop? | IKEA Financing App | Read more and frequently asked questions

Split the payment of your interior design project

A smiling delivery man hands IKEA packages to a woman at her door in an apartment hallway.

Interest-free and no fees – up to 200,000:-

0% effective interest rate
No fees for the credit
Open for purchases for 90 days
For an agreed credit amount of 1,000 – 29,999:-, you can split the payment interest-free over 3 or 10 months
For an agreed credit amount of 10,000 – 200,000:-, you can split the payment interest-free over 20 months

Apply for IKEA Finansiering Lån

You will be redirected to Ikano Bank
^{(By clicking the link above, you will be redirected to a Swedish website.)}

*The fixed interest is 0% when the agreed repayment period is 3 or 10 months (applicable for loans SEK 1 000 – 29 999:-) or 20 months (applicable for loans SEK 10 000 – 200 000:-). Example: Borrow SEK 15 000:- with 0% fixed interest, SEK 0 in fees. If the fees are not changed, the repayment period is 10 months, the monthly amount SEK 1 500:-, the total repayment amount SEK 15 000:- and the effective interest 0% (2025-10-01). For agreed repayment periods longer than 20 months, the fixed interest is 0% for up to 90 days, thereafter 2.99% (eff. interest 2.45% at 30 months and 2.66% at 48 months). The creditor is Ikano Bank AB (publ).

A stainless steel KUNGSFORS container

For those who want a longer payment period – up to 200,000:-

0% fixed interest for up to 90 days, after which a fixed interest rate of 2.99% applies
No fees for the credit
Open for purchases for 90 days
For an agreed credit amount of 20,000 – 200,000:-, you can split the payment over 30 months with 0% fixed interest for up to 90 days, after which a fixed interest rate of 2.99% applies
For an agreed credit amount of 90,000 – 200,000:-, you can split the payment over 48 months with 0% fixed interest for up to 90 days, after which a fixed interest rate of 2.99% applies

Apply for IKEA Finansiering Lån

You will be redirected to Ikano Bank
^{(By clicking the link above, you will be redirected to a Swedish website.)}

*The fixed interest is 0% when the agreed repayment period is 3 or 10 months (applicable for loans SEK 1 000 – 29 999:-) or 20 months (applicable for loans SEK 10 000 – 200 000:-). Example: Borrow SEK 15 000:- with 0% fixed interest, SEK 0 in fees. If the fees are not changed, the repayment period is 10 months, the monthly amount SEK 1 500:-, the total repayment amount SEK 15 000:- and the effective interest 0% (2025-10-01). For agreed repayment periods longer than 20 months, the fixed interest is 0% for up to 90 days, thereafter 2.99% (eff. interest 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.

Apply for IKEA Finansiering Lån

You will be redirected to Ikano Bank.
^{(By clicking the link above, you will be redirected to a Swedish website.)}

Here's how it 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

3. Shop with your digital card

You can shop either online or in one of our stores.

English version

النسخة العربية

Here's how you shop

The loan is available on your digital card, which you use for payment. You can find the card with its details in the app or by logging in with BankID on the Ikano Bank page.
^{By clicking the link above, you will be redirected to a Swedish website.}

Online

Once you have finished shopping and reach the payment options, choose IKEA Finansiering Lån. Fill in the card number, expiration date, and CVV code for your digital card.

In the store

Tell the cashier that you want to pay with the IKEA Finansiering Lån. The cashier will need the card number and expiration date for your digital card.

Find your store

A person using their smartphone to access the IKEA app.

Apply and manage through the app IKEA Finansiering

Download the app IKEA Finansiering for a seamless application. In the app, you'll have access to everything you need to know about your loan, all in one place. Here, you can see your card details, your remaining credit, and track your payments.

Download the IKEA Financing app

^{By tapping the link on your phone you will be directed to the App Store / Google Play Store.}

Basic requirements, information, and frequently asked questions

You must be at least 18 years old.

You must be registered in the population register in Sweden.

You must have a taxable income in Sweden of at least 160,000:- per year.

You must not have any payment remarks.

You need to use BankID to identify yourself and sign the agreement.
Open for purchases for 90 days
Once your loan has been approved, you have 90 days to make home furnishing purchases from IKEA. Your monthly cost and repayment period are based on your choices during the application. If you don't utilize your entire credit limit during the 90 days, the repayment period may be shorter, but the monthly cost remains unchanged.

Easy to use and manage
With the IKEA Financing app, it's easy to use and manage your approved credit. View your credit balance, all your transactions, and your digital card. You can also manage your loan by logging into My pages at Ikano Bank. (By clicking the link, you will be redirected to a Swedish website.)

Even repayment
For a larger interior design project, planning for all costs can be challenging. With the loan, you get even repayment with the same amount each month. You can always repay your loan at a faster pace if you wish, and it won't cost you anything extra.

Pay with direct debit
With direct debit, your payments are handled automatically every month. You just need to ensure that you have funds in your account.

No extra fees
In addition to the fixed interest, no extra fees are added to your loan. We don't charge an establishment fee, and with direct debit payment, you avoid statement fees.

General terms and SEKKI
^{By clicking the link above, you will be redirected to a Swedish website.}

In collaboration with Ikano Bank AB (publ), we offer financing for both large and small interior projects. Ikano Bank was started in Sweden, just like IKEA, to provide a good everyday alternative for the "many people." We opened our doors in 1995 and are present in eight countries today. Ikano Bank is part of the Ikano Group owned by the Kamprad family.

^{By clicking the links above, you will be redirected to a Swedish website.}