Financing options for your home (2024)

Home furnishing at 0% interest*

*For credit agreements signed during the period 1/7–30/9 2024, the interest rate is 0% for agreed repayment periods of 3, 10, 15, or 30 months. Example: Borrow 15 000:- at a fixed interest rate of 0%, with no fees. If fees do not change, the repayment period will be 15 months, the monthly amount will be 1000:-, the total repayment amount will be 15 000:-, and the effective interest rate will be 0% (2024-07-01). Different terms apply for agreed repayment periods longer than 30 months. The credit provider is Ikano Bank AB (publ).

Split the payment for your interior design project with IKEA Finansiering Lån. Apply for up to 200,000:-* and make your purchases online or in any of our stores.

Split the payment over 3, 10, 15, or 30 months | Split the payment over 48 months |Calculate your monthly cost | How does it work? |How to shop? | IKEA Financing App | Read more and frequently asked questions

Split the payment of your interior design project

Financing options for your home (1)

  • Product information page

  • Product information page

  • Product information page

  • Product information page

  • Product information page

  • Product information page

Interest-free and no fees – up to 200 000:-

  • 0% effective interest rate
  • No fees for credit
  • Open for purchases for 90 days
  • Shop for 1000 - 4999:- and split the payment interest-free over 3 months
  • Shop for 5000 - 29 999:- and split the payment interest-free over 10 or 15 months
  • Shop for 15 000 - 200 000:- and split the payment interest-free over 30 months

You will be redirected to Ikano Bank
(By clicking the link above, you will be redirected to a Swedish website.)

Financing options for your home (2)

  • Product information page

  • Product information page

  • Product information page

  • Product information page

  • Product information page

  • Product information page

  • Product information page

For those who want a longer payment period – up to 200 000:-

  • Up to 2.99% interest
  • No fees for the credit
  • Open for purchases for 90 days
  • Shop for 90 000 - 200 000:- with an effective interest rate of 2.99%. 48 months repayment period

You will be redirected to Ikano Bank
(By clicking the link above, you will be redirected to a Swedish website.)

Du skickas vidare till Ikano Bank
(By clicking the link above, you will be redirected to a Swedish website.)

Here's how it works

1. Create your shopping list

Remember to include costs for IKEA delivery in your desired loan amount.

2. Calculate the amount and apply online

When you submit your application, we will conduct a credit check.

Apply for a loan

3. Shop with your digital card

You can shop either online or in one of our stores.

Log in to card

Here's how you shop

The loan is available on your digital card, which you use for payment. You can find the card with its details in the app or bylogging in with BankID on the Ikano Bank page.
By clicking the link above, you will be redirected to a Swedish website.

Online

Once you have finished shopping and reach the payment options, choose IKEA Finansiering Lån. Fill in the card number, expiration date, and CVV code for your digital card.

Start shopping

In the store

Tell the cashier that you want to pay with the IKEA Finansiering Lån. The cashier will need the card number and expiration date for your digital card.

Find your store

Apply and manage through the app IKEA Finansiering

Download the app IKEA Finansiering for a seamless application. In the app, you'll have access to everything you need to know about your loan, all in one place. Here, you can see your card details, your remaining credit, and track your payments.

By tapping the link on your phone you will be directed to the App Store / Google Play Store.

Basic requirements, information, and frequently asked questions

    • You must be at least 18 years old.
    • You must be registered in the population register in Sweden.
    • You must have a taxable income in Sweden of at least 160,000:- per year.
    • You must not have any payment remarks.
    • You need to use BankID to identify yourself and sign the agreement.
    • Open for purchases for 90 days
      Once your loan has been approved, you have 90 days to make home furnishing purchases from IKEA. Your monthly cost and repayment period are based on your choices during the application. If you don't utilize your entire credit limit during the 90 days, the repayment period may be shorter, but the monthly cost remains unchanged.
    • Easy to use and manage
      With the IKEA Financing app, it's easy to use and manage your approved credit. View your credit balance, all your transactions, and your digital card. You can also manage your loan by logging into My pages at Ikano Bank. (By clicking the link, you will be redirected to a Swedish website.)
    • Even repayment
      For a larger interior design project, planning for all costs can be challenging. With the loan, you get even repayment with the same amount each month. You can always repay your loan at a faster pace if you wish, and it won't cost you anything extra.
    • Pay with direct debit
      With direct debit, your payments are handled automatically every month. You just need to ensure that you have funds in your account.
    • No extra fees
      In addition to the variable interest, no extra fees are added to your loan. We don't charge an establishment fee, and with direct debit payment, you avoid statement fees.

    General terms and SEKKI
    By clicking the link above, you will be redirected to a Swedish website.

    In collaboration with Ikano Bank AB (publ), we offer financing for both large and small interior projects. Ikano Bank was started in Sweden, just like IKEA, to provide a good everyday alternative for the "many people." We opened our doors in 1995 and are present in eight countries today. Ikano Bank is part of the Ikano Group owned by the Kamprad family.

By clicking the links above, you will be redirected to a Swedish website.

Financing options for your home (2024)
Top Articles
Latest Posts
Article information

Author: Van Hayes

Last Updated:

Views: 6273

Rating: 4.6 / 5 (66 voted)

Reviews: 89% of readers found this page helpful

Author information

Name: Van Hayes

Birthday: 1994-06-07

Address: 2004 Kling Rapid, New Destiny, MT 64658-2367

Phone: +512425013758

Job: National Farming Director

Hobby: Reading, Polo, Genealogy, amateur radio, Scouting, Stand-up comedy, Cryptography

Introduction: My name is Van Hayes, I am a thankful, friendly, smiling, calm, powerful, fine, enthusiastic person who loves writing and wants to share my knowledge and understanding with you.