Finance options and Instalment Payment Plan (IPP)

For online purchases:

For online purchases on IKEA.sg, you can select to pay with our Instalment Payment Plan during checkout. Valid for credit cards issued by DBS, UOB, Amex and OCBC.

• 6 months for a minimum $250
• 12 months for a minimum $500
• 24 months for a minimum $2,000 (not available for American Express)

Buy Now Pay Later options for online purchases:

1. Atome - Divide your total purchase amount into three equal payments, with the first instalment due at the time of purchase. The remaining two payments will be automatically charged to your selected payment method in the following two months.

• 3 months with no minimum amount
  Maximum spending limit set by Atome: credit card $3,000 and debit card $1,000

2. Grab PayLater - Allows you to either pay your bill in full the following month or split your purchase into instalments. Your available spending limit is determined by Grab, and payments are managed conveniently within the Grab app.

• Pay next month with no interest
• 4 monthly instalments with no interest
• 8 or 12 monthly instalments available (processing fees may apply.

^{* Applies to the total purchase value of minimum $250 in a single receipt. Applicable for VISA, MASTERCARD and American Express from selected banks only.} 

^{Terms and conditions apply.}

For in-store purchases:

Simply inform the cashier that you would like to put your purchases on our Instalment Payment Plan. Valid for credit cards issued by DBS/POSB, OCBC, UOB, and American Express. 

0% Instalment Payment Plan (IPP) is available for the following period:

• 6 months for a minimum $250
• 12 months for a minimum $500
• 24 months for a minimum $2,000 (not available for American Express)

Enjoy now. Pay later, with GXS Bank

GXS FlexiLoan is a flexible loan with low rates from 1.6% p.a. (EIR 3% p.a.), that allows you to break your IKEA purchases into smaller payments every month. Sign up to get an IKEA exclusive 1.28 %p.a. off your prevailing loan rate and a $50 IKEA voucher when you take a FlexiLoan.

^{GXS FlexiLoan is provided by GXS Bank. Effective Interest Rate (EIR) is calculated based on an average loan amount of S$10,000 with a 12-month repayment period. Terms and conditions apply, please refer to gxs.com.sg/flexiloan-ikea. GXS Bank is a separate entity and is not associated with the businesses of Ikea and their entities. GXS Bank holds a banking license and is regulated by Monetary Authority of Singapore.}