IKEA Financial Services

More ways to pay for the home you want

Planning a big project or just adding the finishing touches - our IKEA interest-free loan and IKEA Family credit card make it easier to spread the cost.

IKEA Family credit card

Credit limits available from £500 to £7,500
You may be eligible for 0% interest instalment plans for up to 20 months (3% fee applies for non-IKEA purchases)
Collect points and unlock rewards from IKEA Family wherever you shop.

Explore the IKEA Family credit card

Representative example:
With a credit limit of £1,200, your representative rate would be 23.9% APR (variable), based on a purchase rate of 23.9% p.a. (variable).

Credit and the terms you may be offered are subject to status.

IKEA interest-free loan

Interest-free credit from £1,500 to £15,000
Fixed monthly payments over 24 to 48 months
For IKEA purchases in-store or online.

Explore the IKEA interest-free loan

Credit and the terms you may be offered are subject to status.

Enjoy the benefits

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Simplicity

Whether you're applying for a credit card or a loan, our process is quick and easy.

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Flexibility

We know your home and your budget are unique - that’s why our finance options flex around you.

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Affordability

With our clear and simple payment options, it’s easier to stay on budget with no surprises.

Download the app to apply

QR code to download or open the IKEA Financial Services app

Check eligibility without affecting your credit score
Apply and get a decision in minutes
Spend straightaway with your virtual card.

Need more help?

View all FAQs

Extra support

If you need extra support due to physical health, mental health or due to a recent life event such as bereavement, we want to help.

Contact our Extra Support team

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