IKEA Financial Services

With IKEA Financial Services, it’s your home on your terms.
We’ve made it simpler for you to get the home of your dreams, giving you more flexible ways to pay for your purchases at IKEA.
Use our calculator to pick a loan amount and repayment period from 3 to 48 months. Then, fill in a few details to see how much you can borrow interest-free (representative APR 0%). After that, it's just a few more steps to complete the full application for your loan.


Our app makes it simple to use and manage your loan too. See your balance, all your transactions, and spend straightaway at IKEA using your virtual card.
Your IKEA Financial Services loan will be administered by Ikano Bank.
GETTING STARTED:
You must:
- be 18 or older
- have an email address
- have a valid UK mobile number
- have a permanent UK residence
- have a good credit history
- have a personal bank account in your name which requires a single signatory.
SIMPLE APPLICATION
- Check and confirm your eligibility
- Fill in your details and upload your identity documents
- Find out if you're eligible for the amount you want to borrow without affecting your credit score
- Accept or change the amount you’d like to borrow
- Read, accept and sign the important documents provided including your credit agreement
SIMPLE SHOPPING
- Spend your loan straightaway in-store and online with IKEA
- Use your virtual card to pay at the checkout
- Spend for up to 90 days after your loan is confirmed
SIMPLE TO MANAGE
- See your balance and all your transactions
- Change your contact details
- See your credit agreement and other important documents
- Apply again for another loan when you need it
INFORMATION
The IKEA Financial Services app is available to UK customers. Services may be affected by phone signal and functionality. Terms and conditions apply.
Your IKEA Financial Services loan will be administered by Ikano Bank.
Registered Office: Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ. Registered in England and Wales No. BR016253 VAT Registration No. 265321711. Ikano Bank AB (publ) is incorporated in Sweden with registered and head office: Hyllie Boulevard 27 Malmö 215 32 Sweden. Ikano Bank AB (publ) is a Swedish Public Limited Company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office (bolagsverket) with organisation number: 516406-0922. The Financial Conduct Authority is the supervisory authority under the Consumer Credit Act. Ikano Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority (Finansinspektionen) (Registered No:11153). Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Copyright (c) 2021 Ikano Bank AB (publ).