Finance Services
At IKEA, we want to ensure that everyone can create a home that matches their style and personality, not just their budget.
There is more than one way to finance your dreams, that’s why we offer interest-free credit to help you bring your ideas to life without setting fire to your budget.
IKEA Limited acts as a credit broker, not a lender, and only offers credit products from IKANO Bank. Subject to status UK residents age 18 years and over. T&Cs apply.
And with our IKEA for Business payment card, you can also create a business as unique as you.
Interest-free credit
Our Finance Services offer interest-free credit for every type of project, from redecorating a small space to full renovation. Apply for interest-free credit and get an answer quickly. Enjoy fixed monthly payments with no interest and no processing fees.
IKEA Limited acts as a credit broker, not a lender and only offers credit products for Ikano Bank. Credit is provided by Ikano Bank and is available subject to status to UK residents aged 18 or over. T&Cs apply.
We offer interest-free credit (0% APR Representative) from £99 to £15,000 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
Between £99 - £299 3 or 6 months
Between £300 - £599 3, 6 or 10 months
Between £600 - £1,199 3, 6, 10 or 18 months
Between £1,200 - £2,999 6, 10, 18 or 24 months
Between £3,000 - £4,499 10, 18, 24 or 36 months
Between £4,500 - £15,000 24, 36 or 48 months
You can apply for finance on all IKEA products (except IKEA Food) and include your delivery/collection or kitchen installation.
You will be redirected to our financial partner Ikano Bank. Remember to include any chosen service eg: installation, delivery or collection services, if required.
General interest-free finance terms and conditions
IKEA Limited acts as a credit broker, not a lender and only offers credit products for Ikano Bank. Credit is provided by Ikano Bank and is available subject to status to UK residents aged 18 or over. Terms and Conditions apply. To apply, you will need to provide a provisional or full photo driving licence or a valid UK passport and you will need to enter your home address for the last 2 years and your employment status. Further details are available from IKEA Customer Support, Kingston Park, Fletton, Peterborough, PE2 9ET.
Enjoy the benefits
Simplicity
When you're applying for interest-free credit, 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 afford to refresh that room right here, right now.
Your business, your terms
Whether you’re overhauling your whole office or rethinking your at-home workspace, Finance for your business can help you find a financing setup that gets you ready to do your best work yet.
Have more questions?
Get answers and learn more about IKEA Financial Services.