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New payment plan without a card

Instant Loan

Now you can make your wishes come true and cover all your home needs even if you don’t have enough cash.

You can apply either at the designated areas in IKEA stores or during your purchases at the IKEA e-shop by selecting "Instant Loan" as payment method.

No card

Instant approval

attractive interest rate
Instant loan from tbi bank | Instant loan from the National Bank of Greece

Welcome to Section 3

Instant loan from tbi bank



IKEA Stores

What do I need?
- Prepare your shopping list with the IKEA products and services you want, of a total value over €300.

- Visit the designated area with your ID card and your most recent tax return form.

Loan application

- Tell our staff that you wish to use the Partner Financing Service, “Instant Loan through tbi bank”.

- You will receive an email and will be asked to fill in a form with your details. A valid ID card and your tax return form may be required.

- You are notified right away if your request is approved by the bank and you sign the required documents.

 

 

Purchase confirmation

After your loan application is approved, you can finalise your purchase at the checkout area of the IKEA store.

 

 

 

 



IKEA e-shop

What do I need?
- Log in to your account or register.

- Prepare your cart with the IKEA products and services you want, with a total value over €300.

Purchase confirmation

- Select “Instant Loan - tbi bank” as your payment method.

- Complete your order on the IKEA e-shop.

 

 

 

 

Loan application

- You are redirected to the secure environment of tbi bank. Complete the application and upload the required documents. A valid ID card and your tax return form may be required.

- You receive an immediate response from tbi bank.

 

 

 

Terms & Conditions for the Partner Financing Service – Instant Loan from tbi bank

Learn more
  • The loan application can be submitted at an IKEA store or through the IKEA e-shop.
  • A valid ID card and your tax return form may be required as part of the loan application process.
  • The financing covers the total amount of IKEA products and services included in the same purchase transaction.
  • The loan interest rate is fixed at 14.6% (including the levy under Law 128/75, currently 0.60%) and remains fixed throughout the entire financing period.
  • The customer details on the invoice must be identical to those of the loan applicant. Otherwise, the purchase cannot be made through this Service.
  • tbi bank approves loans after evaluating each application according to its current credit policy and provided the applicant satisfies the credit eligibility criteria.
  • Loan approvals are processed immediately on business days. On weekends, service hours are 12:00–19:30 on Saturdays and 11:00–17:00 on Open Sundays.
  • After the loan is approved, you sign the relevant agreement to complete your purchase.
  • Loan repayment is made through tbi bank.
  • Upon approval of the loan, an administration and operating fee of €35 is charged and incorporated into the monthly instalments.
  • The overall Annual Percentage Rate of Charge (APRC) is 20.63%. Example: this APRC applies to a loan amount of €1,000 to be repaid in 48 monthly instalments. 
  • The loan amount may vary between €300 and €15,000, depending on the value of your intended purchase.
  • The loan is used in a single, one-time transaction.
  • The loan can be repaid over a period of 3 to 60 months, with a minimum monthly payment of €5. Customers can select the desired number of instalments.
  • In the event of a product return, refunds are not available. If the return is made within 40 days, the product may be exchanged or the loan may be settled in accordance with the applicable IKEA Return Policy. Proof of purchase is required.
  • The financing service does not apply to purchases made at the IKEA Restaurant, Swedish Deli, IKEA Swedish Food Market, IKEA Bistro, or Café. In addition, it does not apply to the purchase of IKEA Gift Cards. 

Welcome to Section 4

Instant loan from the National Bank of Greece



IKEA Stores

What do I need?
- Prepare your shopping list with the IKEA products and services you want, of a total value over €250.

- Visit the area with your ID card and your most recent tax return form.

Loan application

- Tell our staff that you wish to use the Partner Financing Service, “Instant Loan through the National Bank of Greece”.

- You are notified right away if your request is approved by the bank and you sign the required documents.

 

 

Purchase confirmation

After your loan application is approved, you can finalise your purchase at the checkout area of the IKEA store.

 

 



IKEA e-shop

What do I need?
- Log in to your account or register.

- Prepare your cart with the IKEA products and services you want, with a total value over €250.

Purchase confirmation

- Select “Instant Loan - National Bank of Greece” as your payment method.

- Complete your order on the IKEA e-shop.

 

 

 

Loan application

- You are redirected to the secure environment of the National Bank of Greece.

- Complete the application and upload the required documents.

- Finalise the process using your mobile phone and receive an immediate response from the National Bank of Greece.

 

Terms & Conditions for the Partner Financing Service – Instant Loan from the National Bank of Greece (NBG)

Learn more
  • The loan application can be submitted at an IKEA store or through the IKEA e-shop.
  • To complete the loan application process, your ID card and tax return form are required.
  • The financing covers the total amount of IKEA products and services included in the same purchase transaction.
  • For purchases made at IKEA stores with a retail receipt, financing is available from €250 up to €15,000. For purchases through the IKEA e-shop, financing ranges from €250 to €6,000, depending on the value of your purchase. For purchases made with an invoice, whether in-store or online, financing ranges from €250 to €3,000.
  • If the loan amount exceeds €2,000, a utility bill is required, and furniture must be included in the intended purchase.
  • The loan interest rate is fixed at 13.9% (including the levy under Law 128/75, currently 0.60%) and remains fixed throughout the entire financing period.
  • Loan applicants must have an annual individual income of at least €7,000. Applicants with lower income will need a guarantor.
  • The invoicing details should be identical to those of the loan applicant. Otherwise, the purchase cannot be made through this Service.
  • The National Bank approves the loan after evaluating the application in accordance with its current credit policy and provided that the applicable credit criteria are met.
  • At IKEA stores, approval is granted on weekdays within 3 minutes for loans up to €2,000 and within 20 minutes for loans exceeding €2,000. If the application is submitted during the weekend, on bank holidays, or after 19:30, the response from the National Bank of Greece will be provided on the next business day.
  • After the loan is approved, you sign the relevant agreement to complete your purchase.
  • Loan repayments can be made at National Bank of Greece branches or through e-banking.
  • Upon approval of the loan, an administration and operating fee of €25 is charged as a one-time amount together with the first instalment.
  • The overall Annual Percentage Rate of Charge (APRC) is 16.4%. Example: this APRC applies to a loan amount of €1,000 to be repaid in 48 monthly instalments. 
  • The loan is used in a single, one-time transaction.
  • The loan can be repaid over a period of 6 to 48 months, with a minimum monthly payment of €10. Customers can select the desired number of instalments.
  • In the event of a product return, refunds are not available. If the return is made within 40 days, the product may be exchanged or the loan may be settled in accordance with the applicable IKEA Return Policy. Proof of purchase is required.
  • The financing service does not apply to purchases made at the IKEA Restaurant, Swedish Deli, IKEA Swedish Food Market, IKEA Bistro, or Café. In addition, it does not apply to the purchase of IKEA Gift Cards. 



Opening Hours

For more information about the Partner Financing Service “Instant Loan” you can contact our co-workers at IKEA stores Monday–Friday 10:00–20:00 and Saturday 10:00–19:00, or our Customer Support Centre Monday–Friday 08:00–22:00 and Saturday 08:00–21:00. On Open Sundays, you can contact us either at an IKEA store or through the Customer Support Centre from 11:00 to 19:00. For information about official public holidays and Open Sundays, please visit the IKEA stores page or contact us.

If you plan to visit an IKEA Pick Up & Order Point or an IKEA Next Generation store, contact our Customer Support Centre to schedule your appointment.

.

Contact

IKEA Service Line:

800 111 4000 (for landline calls) - Free of charge.

216 8083400 (for international or mobile phone calls) - Charges according to the pricing policy of your telecommunication service provider.