Home furnishings

Drive footfall and increase conversion with point of sale finance

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Build a custom made Retail Finance offer


Interest free credit

Interest free credit

Attract and convert customers with interest free credit (IFC). Your customers take advantage of spreading the cost with fixed monthly payments and no interest.


Defered interest free

Deferred Interest free credit

Increase sales with deferred interest free credit (DIFC). Your customers first enjoy a payment free period, then interest free repayments.


Interest bearing loan

Interest bearing loan

Cost effective for your business and helps your customers budget for a large purchase. Flexible interest bearing loans (IBL) with a range of loan terms and APRs available.


Buy now pay later

Buy now, pay later

Appeal to consumers with buy now, pay later (BNPL). First, your customers can take a payment free period, then go on to conveniently spread the cost over time.

Help your customers make their house a home with affordable options to spread the cost.

When shopping for our homes, we have high expectations. We want great service and a great product delivered quickly at a great price. Help your customers achieve the look they want in their home affordably with point of sale finance. Interest free and interest bearing repayment options give your business flexibility to build a finance offer & service proposition to meet the needs of your business and your customer.

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“We love IKEA and we are a working family. We do from time to time need finance to afford the purchase and the fact IKEA gives 0% [finance] over 2 years is great and very affordable for us.”*

Trevor, Staffordshire

*IKEA Limited acts as a credit broker not a lender and only offers credit products for Ikano Bank Ab (publ). Credit is available subject to status to UK residents aged 18 or over. Terms and conditions apply.

home furnishings

Give a customer experience to write home about with point of sale finance

  • Interest free or interest bearing credit options 
  • Quick multichannel application 
  • Instant decision & spend
  • Ease of purchase & the perfect piece for the home 

“Didn’t feel like the application process was intrusive whatsoever. The salesperson was very good at making the whole process simple and actually quite enjoyable.”

Martin, West Yorkshire

Why work with Ikano Bank?

We’re a family owned bank that’s been providing retail finance in the UK for more than 20 years. Our roots are in retail. The same family that founded IKEA, founded Ikano in 1988.

We’re proud of our unique retail heritage and what we’ve learned from it - a strong and simple idea, with a little bit of hard work and good values is important for success. From our UK base in Nottingham, we offer simple retail finance products with over 250 retailers across the UK.

Working with Ikano Bank

“I furnished my house hassle free. It was easy to apply for interest free finance.”

Constance, Durham

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