Financing
Finance your purchases
over up to 48 months
Everything you could want with IKEA VISA(1), online and in store.
Pay for you purchases conveniently in store, at IKEA.es or through the telephone sales service, over up to 48 months.
Remember – at IKEA.es you just need to enter your IKEA VISA card details and choose your finance.
Find the product that you need
Finance small online purchases
A simple way of paying for all your purchases, from the comfort of your own and in just one click.
- Pay for your purchases in instalments over 3, 6 or 10 months (1)
- Quick application process
- On purchases from EUR 60 up to EUR 1,000
- Without the need to switch banks
Finance for individuals
- Instant and flexible access to financing with IKEA VISA
- Purchases up to EUR 3,000
- Pay over 3 to 48 months(1)
- Pay over up to 18 months interest free 0% APR(1)
Credit line
- To finance your purchases in IKEA Stores
- Purchases up to EUR 30,000
- Pay over 3 to 48 months(1)
- Pay over up to 18 months interest free 0% APR(1)
Finance for your business
With our special financing conditions for businesses, you'll be able to solve all your furnishing and accessory needs in a flexible way.
- Finance furniture purchases for your business
- Purchases of up to EUR 20,000
- Pay over3 to 48 months
- Your loan with monthly payments with an APR of 10.52%(4)
Reap its benefits
Easy
Whether you are applying for a credit card or opening an IKEA for Business account, the process is quick and easy.
Flexible
Your space, your rules. Choose how you want to pay for and finance your purchase.
Affordable
With a flexible payment schedule, you can start renovating your space right now.
Find a budget that fits
Planning a home improvement project? Need help calculating costs? Use our budgeting tool to effortlessly estimate costs and to create a budget.
Frequently asked questions about financing
Applying for the card
Managing your card
Day-to-day use of your card
How can we support you?
If you would like more information, please contact us through any of our channels and we would be happy to help you.
Disclaimer: 1. Financing through the IKEA VISA card is issued by the CaixaBank Payments & Consumer E.F.C., E.P., S.A.U. hybrid payment institution, and is subject to its authorisation. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account held at CaixaBank, S.A. See the characteristics of your deferred (revolving) payment card here: https://www.caixabankpc.com/es/productos
Financing available over 3, 6, 10, 12, 18, 24, 36 or 48 months, interest free (NIR: 0%. Min. APR 0%, max. APR 2.03%), for purchases at IKEA stores in Peninsular Spain and online purchases at IKEA.es, excluding the IKEA SEVILLA store. The APR and the service cost applicable will vary based on the amount and term of the promotion. Minimum spend of EUR 10 for 3, 6 and 10 months; and EUR 120, EUR 500, EUR 650, EUR 1,000 and EUR 1,700 for 12, 18, 24, 36 and 48 months, respectively. Maximum amount available for financing: EUR 3,000. Representative example for a purchase of EUR 1,500 spread over 10 months. NIR 0% APR 0%. 10 payments of EUR 150. Total amount owed and total cost of instalments: EUR 1,500. Total cost of credit (interest): EUR 0. French amortisation system.
Representative example for a purchase of EUR 1,700 spread over 48 months. NIR 0% APR 2.03%. Service cost of 4% payable with first instalment. First instalment of EUR 103.42, 46 instalments of EUR 35.42. Final instalment: EUR 35.26. Total amount owed and total cost of instalments: EUR 1,768. Total cost of credit: EUR 68. Interest: EUR 0. French amortisation system.
Representative example for a purchase of EUR 1,000 spread over 36 months. NIR 0% APR 2.00%. Service cost of 3% payable with first instalment. First instalment of EUR 57.78, 34 instalments of EUR 27.78. Final instalment: EUR 27.70. Total amount owed and total cost of instalments: EUR 1,030. Total cost of credit: EUR 30. Interest: EUR 0. French amortisation system.
Representative example for a purchase of EUR 650 spread over 24 months. NIR 0% APR 1.96%. Service cost of 2% payable with first instalment. First instalment of EUR 40.08, 22 instalments of EUR 27.08. Final instalment: EUR 27.16. Total amount owed and total cost of instalments: EUR 663. Total cost of credit: EUR 13. Interest: EUR 0. French amortisation system.
2. Choose your monthly repayment amount, a minimum of EUR 5, provided that this instalment is no less than the monthly amount that we set to avoid your debt being prolonged over time. The terms and conditions of this minimum instalment are established in the European Standardised Information Sheet and in the contract and will be calculated in your customer area on the website or app, as well as your monthly statement, based on the amount drawn down. Representative example for a purchase with deferred payment (revolving) of EUR 1,500. NIR: 20.88%. APR: 23%. 48 monthly instalments of EUR 46.35. Interest and total cost of credit: EUR 724.80. Total cost of instalments and total amount owed: EUR 2,224.80 French amortisation system.
3. Split payment service valid for purchases made outside of IKEA. Purchases over EUR 30 can be split, provided that the end-of-month payment method is established at the time of purchase. The request to split payments must be made before the 20th of each month. To split over 3 months – minimum amount: EUR 30, NIR: 0% APR: 19.77%, service cost: 3% to be paid in the first instalment. Representative example for a split purchase of EUR 1,500 – first instalment: EUR 545, remaining instalments: EUR 500, total amount owed: EUR 1,545. Total cost of credit: EUR 45. Total cost of instalments: EUR 1,545. To split over 6 months – minimum amount: EUR 60, NIR: 14.95%, APR: 16.01%. Representative example for a split purchase of EUR 1,500: 6 instalments of EUR 66.06, total amount owed: EUR 1,566.06. Total cost of credit: EUR 66.06. Total cost of instalments: EUR 1,566.06. To split over 10 months – minimum amount: EUR 100. NIR: 14.95%, APR: 16.01%. Representative example for a split purchase of EUR 1,500: 10 instalments of EUR 160.47, interest: EUR 104.70, total amount owed: EUR 1,604.70. Total cost of credit: EUR 104.70. Total cost of instalments: EUR 1,604.70. To split over 12 months – minimum amount: EUR 120, NIR: 14.95%, APR: 16.01%. Representative example for a split purchase of EUR 1,500: 12 instalments of EUR 135.35, interest: EUR 124.20, total amount owed: EUR 1,624.20. Total cost of credit: EUR 124.20. Total cost of instalments: EUR 1,624.20. French amortisation system used for split payments over 3, 6, 10 or 12 months.
4. Example of financing for EUR 1,000. Cash price: EUR 1,000.00. Payment over 10 months, 1 instalment of EUR 104.98 and 9 instalments of EUR 104.64. Borrowing rate: 10.00% APR 10.52% (The first instalment and APR may vary based on the date that the agreement is signed and the instalment payment dates). Interest: EUR 46.74. Total credit amount: EUR 1,000.00. Total cost of credit: EUR 46.74. Total amount owed: EUR 1,046.74. Total cost of instalments: EUR 1,046.74. With an agreement date of 2 December 2023 and a first payment date of 2 January 2024. The offer is valid from 1 December 2023 until 29 February 2024. French amortisation system. Finance subject to checks and approval from Santander Consumer Finance, S.A.