IKEA interest-free loan
Get your dream home with 0% credit at IKEA
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.
You can spread the cost of purchases between £1,500 and £15,000 for up to 4 years (subject to availability).
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.
Accept and sign your agreement, and you'll have up to 90 days to spend your loan in-store or online.
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.
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.
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.
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.
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.
Our IKEA Family credit card is ideal for smaller purchases – at IKEA and everywhere else.
Explore the IKEA Family credit card
Representative example:
23.9% APR
Representative (variable)23.9%
Purchase rate p.a. (variable)£1,200
Assumed credit limit