How to apply for the IKEA Family credit card

Quick summary

Imagine you’ve just picked out a new sofa and a few finishing touches for your home. You’re ready to check out, but you’d rather spread the cost or keep some flexibility. Applying for the IKEA Family credit card can be a quick way to do that.

You use your phone, follow a few steps, and get a quick decision. This guide walks you through the process step by step.

Here’s what to expect when applying:

• You apply through the app on your phone.
• You can check your eligibility without affecting your credit score.
• You complete a short application with your personal and financial details (this includes ID verification).
• You usually get a decision within minutes.
• You can use your virtual card immediately if approved.

Start in the app

Everything begins in one place: the IKEA Financial Services app. If you’re on a desktop, you’ll need to switch to your phone to continue. Scan the QR code to open or download the app on your mobile device.

To get started:

• download the IKEA Financial Services app on your smartphone
• follow the steps to begin your application.

What you need before you apply

Before you begin, it helps to check you meet the basic requirements. This keeps the process smooth and avoids unnecessary applications.

Check you’re eligible first

You’ll need:

• to be 18 or over
• to be a UK resident
• a valid photo ID such as a passport or driving licence
• a good credit history
• an IKEA Family membership, which you can join for free during the process.

Can you check without affecting your credit score?

Yes. You can check your eligibility before submitting a full application. This does not affect your credit score.

It gives you a clear idea of whether you’re likely to be approved, so you can decide whether to continue.

Applying in the app

What details will you need?

Once you’re ready, the application itself is short and straightforward. Make sure the details are accurate and you have your photo ID to hand when applying. This helps avoid delays.

You’ll be asked to provide:

• personal details
• employment and income information
• address history.

A quick example

Imagine you’re applying during your lunch break:

• you download the app
• you check your eligibility
• you complete the form in around ten minutes.

By the time you finish your coffee, you could already have a decision.

What happens after you apply

In most cases, you’ll get a decision within minutes.

Sometimes, additional checks are needed. If that happens, it may take a few days. You’ll be kept informed through the application process.

Using your card straight away

If you’re approved, you don’t need to wait for your card to arrive in the post.

You’ll receive a virtual card in the app, which you can:

• add to Apple Pay or Google Pay
• use online or in-store straight away.

Your physical card will arrive within 5-7 working days.

Tips to make your application smoother

A few small steps can make the process quicker and easier.

Before you start:

• check your details are up to date
• have your ID ready
• make sure your address history is accurate
• use a stable internet connection.

This helps you complete the application in one go.

Want to learn more?

See how the IKEA Family credit card works, including eligibility and how to apply.

Explore IKEA Family credit card

Written by a fintech content specialist, reviewed for UK consumers.

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