Your home. On your terms.

Achieve your dream home with an interest-free IKEA loan

Get an IKEA loan

Introducing the new way to pay at IKEA

0% interest IKEA loans. From £99 to £15,000.

Available from just £99

Payments from 3 to 48 months

Get a response within 2 minutes

Spend instantly once approved

Make your


a reality

Start a loan application

Please be aware that this is an online product, you will need to be able to apply and manage your account online

Get your loan in minutes

See what you could borrow

You can spread the cost of purchases between £99 and £15,000 for up to 5 years (subject to availability).

Try our loan calculator


Get your loan offer

Fill in your personal details and go through our digital identity checks. You'll need a good quality camera and a valid passport or photo driving licence to hand.


Shop straightaway

Accept and sign your agreement, and you'll have up to 90 days to spend your loan in-store or online.


How to apply

It's simple to get started.

Apply with the app

Start your application online

Get the free IKEA finance app

  • See how much you could borrow
  • Apply for your loan in a few simple steps
  • Spend straightaway with your virtual card
  • Manage your repayments and more.

Download the app on your phone

Apple App Store Google Play Store
Get it now for Apple Get it now for Android
iPhone showing IKEA Finance calculator

We're creating a better everyday.

Many years ago, IKEA and Ikano were setup by the same family.

We're now working in partnership to provide financial services to UK customers. Together, we want to make a better everyday for everyone.

You can apply if you are over 18 years old and have a permanent UK residence. Applications are subject to status and affordability checks. Terms and conditions apply.