Loans from
£1,500 to £15,000
0% interest from
24 to 48 months
Apply and get a
decision in minutes
Instant spend
once approved
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 £1,500 and £15,000 for up to 4 years (subject to availability).
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.
Get the free IKEA Financial Services app
- See how much you could borrow
- Check eligibility without affecting your credit score
- Apply and get a decision in minutes
- Spend straightaway with your virtual card
- Manage your repayments and more.
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Can I pay extra?
You can make extra payments anytime by bank transfer.
Log in to your account and go to the extra payments section.
Please make sure that you use your IKEA loan account number as the reference for your payment, so we can match this to your account. If this is missing or incorrect, the payment will be returned to your bank account.
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How do I access my online account?
You can log in to your online account by selecting the log in link in the top tight corner or by downloading the IKEA Financial Services app.
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Can I pay off my loan in full?
Yes, you can pay off your loan in full at any time. Log in to your account and go to the extra payments section.
Please make sure that you use your IKEA loan account number as the reference for your payment, so we can match this to your account. If this is missing or incorrect, the payment will be returned to your bank account.
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What happens if I don’t spend my full loan amount?
You'll only repay the amount you spend, and the monthly repayment amount will remain according to your agreement. The monthly repayment amount will not decrease if you don't use the full loan amount, however you will pay the loan back over a shorter period.
Your first Direct Debit will be taken after the first spend on your loan.
Credit is available subject to status. UK residents aged 18 or over. Terms apply.
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.
For smaller projects and everyday purchases
Our IKEA Family credit card is ideal for smaller purchases – at IKEA and everywhere else.
- You maybe eligible for 0% interest instalment plans up to 20 months (3% fee applies for non-IKEA purchases)
- Collect points and unlock rewards from IKEA Family
- Interest-free shopping on all your purchases
- Exclusively for IKEA Family members – you can join when you apply.
Representative example:
23.9% APR
Representative (variable)23.9%
Purchase rate p.a. (variable)£1,200
Assumed credit limit
Credit and the terms you may be offered are subject to status. Interest rates may differ from those shown. UK residents aged 18 or over. Terms apply.
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