IKEA Family
Make it a reality today. Pay at your own pace.
Your house evolves with you and, sometimes, you just need a liittle push to take the next step. At IKEA we want to help you adapt your purchase to your budget. With IKEA Family Mastercard and all its financing options, you can choose how and when to pay, if your prefer to do it in less time or if your need smaller installments. And you, what type of financing do you need?Example of interest-free financing, 0% APR
Small projects, big results. Renovate that living room, that bedroom or that corner that you've been imagining for a while and pay it in comfortable installments up to 24 months interest-free, 0% APR. You just need to choose the term that works best for you and decide how much you want to pay every month. Ideal for small changes or projects you want to start right now. That simple!Example of interest-bearing financing
Kitchens, renovations or big ideas that deserve to go step by step. When the project is big, you need flexibility. Extend the payment term with the interest-bearing financing, 9,14% APR, and make it work for you. Besides, with this type of financing, you can still benefit from the 5% of your purchases in CASH BACK 5 for using your card IKEA Family Mastercard.Choose the option that fits better with you:
Check all the available financing options, the terms and installments. With IKEA Family Mastercard you can finance your purchases from 120€ to 6.000€ interest-free, 0% APR or from 108€ to 8.000€ interest-bearing, 9,14% APR. Find the option that adapts better to your moment.
| Terms | Interest-free, 0% APR | Minimum amount | Maximum amount | Interest-bearing, 9,14% APR | Minimum amount | Maximum amouint |
|---|---|---|---|---|---|---|
| 3 months | 120€ | 6.000€ | 108€ | 8.000€ | ||
| 6 months | 240€ | 6.000€ | 216€ | 8.000€ | ||
| 10 months | 400€ | 6.000€ | 324€ | 8.000€ | ||
| 12 months | 600€ | 6.000€ | 432€ | 8.000€ | ||
| 18 months | 1.200€ | 6.000€ | 648€ | 8.000€ | ||
| 24 months | 2.400€ | 6.000€ | 864€ | 8.000€ | ||
| 30 months | 1.080€ | 8.000€ | ||||
| 36 months | 1.296€ | 8.000€ | ||||
| 42 months | 1.512€ | 8.000€ | ||||
| 48 months | 1.728€ | 8.000€ | ||||
| 54 months | 1.872€ | 8.000€ | ||||
| 60 months | 2.160€ | 8.000€ |
IKEA Family Mastercard
Apply for a card and access all financing options
Interest-free financing, 0% APR
Instantly and without paperwork
Choose this payment modality and start enjoying your purchases now.
Interest-free financing, 9,14% APR
A payment method made for you
With your IKEA Family Mastercard card, all the flexibility you need.
Check your credit limit at 900 108 705.
More information
Check conditions
At the IKEA Family Department of your IKEA Store or call us at 928 925 233.
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12 MONTHS 0% Borrowing Rate 0% A.P.R
Example of Financing. Minimum amount to finance 600,00€. Maximum amount to finance 6.000,00€. Cash price 973,00€. Term 12 months, 11 installments of 81,08€ and 1 of 81,12€. Fixed Borrowing Rate 0,00%. A.P.R. 0,00%. Total Credit Amount 973,00€. Total Credit Cost 0,00€. Total Amount Due 973,00€. Total Price in installments 973,00€. Being the contract date 01/09/2026 and the first payment 01/10/2026. French amortisation system. Valid offer from 01/01/2026 to 31/12/2026. Financing offered, subject to approval by Open Bank, S.A. through the card IKEA Family Mastercard. -
3 MONTHS 0% Borrowing Rate 0% A.P.R
Example of Financing. Minimum amount to finance 120,00€. Maximum amount to finance 6.000,00€. Cash price 973,00€. Term 3 months, 2 intallments of 324,33€ and 1 of 324,34€. Fixed Borrowing Rate 0,00%. A.P.R. 0,00%. Total Credit Amount 973,00€. Total Credit Cost 0,00€. Total Amount Due 973,00€. Total Price in installments 973,00€. Being the contract date 01/09/2026 and the first payment 01/10/2026. French amortisation system. Valid offer from 01/01/2026 to 31/12/2026. Financing offered, subject to approval by Open Bank, S.A. through the card IKEA Family Mastercard. -
60 MONTHS 8,75% Borrowing Rate T.A.E. 9,14% A.P.R
Example of Financing. Minimum amount to finance 1.800,00 €. Maximum amount to finance 8.000,00 €. Cash price 3.984,00€. Term 60 months, 1 installment of 85,24€ and 59 installment of 82,22€. 8,75% Borrowing Rate 9,14% A.P.R. (A.P.R., as well as the first installment, may vary slightly depending on the contract signing date and the installment payment date). Interests 952,22€, Total Credit Amount 3.984,00 €, Total Credit Cost 952,22€, Total Amount Due 4.936,22€, Total Price in installments 4.936,22€. Being the contract date 01/09/2026 and the first payment 01/10/2026. French amortisation system. Valid offer from 01/01/2026 to 31/12/2026. Financing offered, subject to approval by Open Bank, S.A. through the card IKEA Family Mastercard. -
36 MONTHS 8,75% Borrowing Rate T.A.E. 9,14% A.P.R
Example of Financing. Minimum amount to finance 1.080,00 €. Maximum amount to finance €. Cash price 3.984,00€. Term 36 months, 1 installment of 127,99€ and 35 installments of 126,23€. 8,75% Borrowing Rate 9,14% A.P.R (A.P.R., as well as the first installment, may vary slightly depending on the contract signing date and the installment payment date). Interests 562,04€, Total Credit Amount 3.984,00€, Total Credit Cost 562,04€, Total Amount Due 4.546,04€, Total Price in installments 4.546,04€. Being the contract date 01/09/2026 and the first payment 01/10/2026. French amortisation system. Valid offer from 01/01/2026 to 31/12/2026. Financing offered, subject to approval by Open Bank, S.A. through the card IKEA Family Mastercard. -
That money will be paid directly into your bank account 35 days after the month in which you made the purchase. The maximum amount you can accumulate each month is 300€. Remember that financed interest-free purchases with a 0% APR are not compatible with CASH BACK accumulation, but they do allow you to split your payment at no additional cost.