Finance options

Buy now, pay later. At IKEA, we want to ensure that everyone can create a home that matches their style and personality, not just their budget. That’s why we have finance options whether you need a few weeks, or 50 months interest free^*.

With our finance options, you can create a home as unique as you, and there’s always more than one way to pay.

Pay in instalments | 50 months interest free^*

Pay in instalments with PayPal or humm

You don't have to pay all at once. Take advantage of 0% instalments and divide the payment for your purchases. A quick change in your house, an equally quick repayment of instalments.

Pay in 4 interest-free payments with PayPal – no sign-up fees or late fees! PayPal Pay in 4 is available for purchases between $30 to $2,000. Select PayPal at checkout, get approved in seconds, complete your IKEA purchase and repay over 4 instalments every two weeks, starting today.

Choose PayPal at checkout to pay later with Pay in 4.

Complete your purchase with an initial 25% payment.

Remaining payments are taken automatically, It’s easy!

Download the PayPal app to track your PayPal Pay in 4 plan.
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PayPal Pay in 4 is for eligible purchases between $30-$2,000 AUD. It’s available to Australian residents with an Australian PayPal account. Eligibility is subject to your PayPal account status and a credit assessment, which may require a credit check. PayPal Pay in 4 is a form of credit, so consider whether you can afford the repayments as use of the product may impact your credit score. See terms and conditions. PayPal Pay in 4 is provided by PayPal Credit Pty Limited (ACN 600 629 258).
If you have a bigger shopping list you can take more time to pay – still with no interest, ever. With humm ‘Big things’, you can apply for pre-approval of $80 to $8,000 and repay it over 6-24 months. When you buy a 'Big thing' you'll pay an establishment fee. Then you'll pay just $8 a month. You will only ever pay single $8 monthly fee regardless of the number of ongoing humm payment plans you have. Apply before you shop, through the humm app. Just state how much you'd like pre-approved (up to $8,000) and you’ll need to share access to your bank statements for information to help in the approval process.

Be a permanent resident of Australia

Be 18 years or older

Have a valid email address and mobile number

Have an Australian debit or credit card

Have an Australian driver’s license, passport, or Medicare card

Have a permanent job (at least 20 hours a week) or be on aged/veterans’ pension

‘Big things’ is only available in-store or through our remote shopping team. Shop with humm in-store at IKEA at any register, just select ‘humm’ at the checkout and scan your barcode. Humm ‘Big things’ is currently not available online.
Download the humm app to get started
Payment plan to approved applications only; Lending criteria, fees, terms, conditions, minimum amounts, and exclusions apply. An establishment fee between $30-$110 and an $8.00 monthly fee applies. Credit provided humm BNPL Pty Ltd ABN 28 129 228 986. See terms and conditions.

**50 months interest free* with humm90**

For your larger IKEA projects, use our 50 months interest free^* option with humm90 on purchases over $5,000.

Apply online in minutes (you’ll need to be over 18, a permanent Australian resident and earning over $25,000 p.a.). You can also apply over the phone on 1300115533 or speak to an IKEA co-worker. Upon approval, you’ll receive an SMS with important information about your humm90 account and a 4 digit code to accept. Once accepted, complete your purchase straight away through an IKEA co-worker, or receive your humm90 card in the post to shop in-store or online.

Spend a minimum of $5,000 for 50 months, up to $50,000. A $99 annual fee applies. You can also spend between $2,000 and $4,999 to receive 12 months interest free^*. The interest free period will be automatically applied to qualified purchases when using your card.

Apply now

Payment options

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*Approved applicants only. Fees and charges apply, including a $99 annual fee that applies on account opening. Applicants who enter into their Credit Contract on or after 1 October 2024 will be charged a monthly fee of $9.95 instead of an annual fee, and existing customers will be transitioned on a rolling basis. T&Cs and minimum finance amount applies. For Long Term Interest Free purchases: Minimum monthly payments must be made by the due date each month, otherwise interest at the humm90 Expired Promotional Rate (currently 26.49%) applies. For otherpurchases: Up to 110 days interest free and payment holiday can apply (excluding purchases we treat as cash advances), after which minimum monthly payments are required. Interest at the humm90 Purchase Rate (currently 26.30%) applies if purchase amount is not repaid within Interest Free Period or if other Interest Free Criteria are not met. All fees, charges and interest rates are current as at June 2024 and subject to change - see humm90.com/au. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.

The indicative repayments is only an estimate and results should be used as an indication only. They do not represent either a quote or pre-qualification or approval. In this instance, the indicative monthly repayment displayed is the contractual minimum monthly repayment (MMP) for the first month, which is the greater of 3% of the Eligible Unpaid Balance (as defined in the Humm90 Conditions of Use) or $30 as the MMP for the first month is greater than the finance amount divided by the Interest Free Period. Under the Conditions of Use, the contractual MMP will continue to decrease each month as the Eligible Unpaid Balance decreases and therefore, paying only the contractual MMP over the entire Interest Free Period would not repay the purchase price within the Interest Free Period. The indicative monthly repayment includes the $99 Annual Fee, charged at the time the first debit is charged to your Humm90 Account and annually on the anniversary of that date. The indicative repayments assumes no additional purchases, cash withdrawals, fees or charges are incurred.