How the loan works

This is an online product, you can only apply and manage your account digitally through our website or by downloading the IKEA Financial Services App.

IKEA Finance loans can only be used at IKEA - both in-store and online.

Please remember to include any additional services you may require such as installation, delivery, collection or assembly charges (this includes TaskRabbit assembly services) in the loan amount you request. You can't increase the loan amount after you've signed the agreement.

Should your application be approved, we will issue you with a virtual card, which you’ll have 90 days to spend up to your approved loan value.

IKEA Finance loans can only be used at IKEA - in-store and online.

Should your application be approved, we’ll issue you with a virtual card with the details needed to make a purchase in-store or online. You’ll find the virtual card by logging in to your online account or open the IKEA Financial Services app. You have until 8pm on the 90th day from the date your account was opened to use your loan.

It’s not possible to split payments using multiple payment methods to make a purchase online. If you need to split the payment, please make the purchase in-store. If this isn’t possible, please reapply for the full amount required.

Note: Remember to include any additional services you may require such as installation, delivery or collection charges (this excludes Taskrabbit assembly services) in the loan amount you request. You can’t increase the loan amount after you’ve signed the agreement.

Yes, you can apply for more than one loan with us. To do this log in to your account and select + New Loan.

Each loan application will involve us registering another credit search on your credit file.