Does Ikea Have Layaway? (try This Instead)

The number of customers who want to reserve an item before paying the full amount will increase the more expensive the product is.

IKEA does not offer layaway programs for its furniture items. Customers interested in purchasing a new IKEA furniture item should go on the website to find out the availability of that item.

Does IKEA Have Layaway In 2022?

Unfortunately, IKEA does not accept payment plans for purchases. The only way you can pay for your purchases is with cash or debit/credit card. Other popular payment methods accepted at IKEA include Apple Pay and gift cards.

IKEA does provide a financing and leasing option to customers. This option will make it easier for people to buy a home. For more info, keep on reading!

Does IKEA Accept ‘Buy Now Pay Later’ Sites?

IKEA is offering its customers in the U.S. the ability to purchase their furniture using a site called Zip.

Ziploc is a good option for people who don’t feel comfortable with layaway plans as they can pay for items in four installments over the course of six weeks.

Additionally, it is possible to use a credit card, but you will have to pay a transaction fee.

To buy from IKEA using Zip, you need to use the Zip app. Unfortunately, Ikea does not accept payments through Klarna U.S. or Afterpay in U.S.

Can You Pay IKEA In Installments?

IKEA does not support layaway. However, if you have a credit card with a low APR that you can pay off monthly, you can use that to pay IKEA, and then just stick to your payments.

If you use your Visa Card, you can pay for your IKEA purchases online in installments as long as it’s interest-free.

You don’t need to insert your IKEA Visa card data, because your payment will be automatically be split into 10-month interest-free installments.

Does IKEA Offer Other Finance Options?

ikea offers many finance options for specific products and categories for example there is no finance option for the IKEA bed but they are available for the other options.

The 5-month credit can be applied for up to three years at a time. The 12-month credit can be applied for 10 years at a time. The 50-month credit can be applied for 25 years at a time.

There is a $8 monthly charge for 5-month terms until you have reimbursed the original amount.
Interest-free periods are applied based on your purchase price.

The following paragraph is not included in the original quote.

Customers can apply for IKEA financing either online or in store.

What Is An IKEA Credit Card?

there are two types of Ikea credit cards: an everyday rewards Ikea Visa card for smaller purchases, and a Projekt credit card for larger purchases.

The IKEA credit cards will only be available in the U.S., and offer customers the chance to earn on their everyday purchases towards IKEA rewards.

The new credit card also lets you pay for a single purchase over a period of time.

You can get credit with IKEA if you have been approved for an IKEA Visa Credit Card and you will be able to use the new account on the same day when you apply.

If you have ordered the IKEA Visa credit card for delivery, you can get your welcome kit for the card in the mail within 7-10 business days.

Although you need to fill out an application form, they are not very complex. You only need to provide your personal information, and their annual income.

What Payment Methods Does IKEA Accept?

Ikea accepts several different forms of payment for orders at the store level.

[Original]: The store will accept credit cards and e-wallets.
[Original]: You can pay in store or use your IKEA account on e-commerce website.
[Original]: The furniture can be delivered by the delivery companies of IKEA or in-store pick-up, to choose from.

Do Other Stores Provide Layaway?

IKEA does not provide layaway on furniture or household essentials. However, there are other stores that provide the payment service.

Here is the list of stores I see.

To learn more about the IKEA Family Card, you can also read our related posts on whether or not the card works with American Express, if IKEA accepts Apple Pay, and learn all about the IKEA Family Card.


IKEA has been featured several times on the front covers of The New Yorker and The Economist. Their furniture is known for their quality, at a reasonable price.

One thing to keep in mind…

I would highly recommend getting your first IKEA furniture with a layaway option, as buying it outright will be more expensive in the long run.

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I have always been a shopaholic. A lot of times my questions went unanswered when it came to retail questions, so I started Talk Radio News. - Caitlyn Johnson

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