Finance options
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 bit-by-bit with PayPal or humm
Do you like clever solutions? 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.
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 up 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.
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.
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.
Related pages
*Approved applicants only. Fees, terms, conditions & minimum finance amount apply, incl. $99 Annual Fee charged at the time the first debit is charged to your humm90 Mastercard Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Mastercard Account. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Mastercard Purchase Rate. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. See humm90.com/au for current interest rates. Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
150 months repayments: 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.
212 months repayments: 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. To take advantage of the Interest Free Period, the indicative monthly repayments stated would need to be made by the due date for each statement period. Therefore, you repay the purchase amount on your Humm90 Mastercard in full within the Interest Free Period. This monthly repayment excludes the $99 Annual Fee. The indicative monthly repayment is the finance amount divided by the Interest Free Period. The indicative repayments assumes no additional purchases, cash withdrawals, fees or charges are incurred.