Does IKEA Have Layaway? (Try This Instead)

Although IKEA sells a huge variety of household objects and furniture at affordable prices, many customers prefer to place a deposit before buying the product in full.

So if you’re looking to purchase a piece of furniture from IKEA for your home, you may be wondering if IKEA offers layaway plans to customers. I’ve done some research about this, and here is what I’ve found out!

Does IKEA Have Layaway

Unfortunately, IKEA does not offer layaway plans or accept any requests for backorders or layaways. However, customers can pay for their purchases in installments via the IKEA Credit Card. Other common methods of payment accepted at IKEA include cash, debit/credit card, and Apple Pay.

If you want to learn more about whether IKEA offers ‘Buy Now, Pay Later’ plans, what finance options IKEA provides customers, and much more, keep reading!

Does IKEA Accept ‘Buy Now Pay Later’ Sites?

Customers can use the ‘buy now, pay later’ site Zip (previously known as Quadpay) to purchase goods from the IKEA site in the U.S.

Zip is an excellent substitute for layaway plans, as customers can pay for items in four interest-free installments over the course of six weeks.

However, keep in mind that to use Zip, users must be 18 or over, have a valid bank account, and own an American mobile number.

To shop at IKEA using Zip, you may need to browse via the Zip app. Unfortunately, IKEA does not allow payments through Klarna U.S. or Afterpay in America.

Can You Pay IKEA In Installments?

Although you cannot use layaway at IKEA, you can stagger payments using the IKEA Visa credit card as mentioned above.

If you use your IKEA Visa Card, you can pay for your IKEA purchases online in installments directly in 10 months interest-free.

You only have to insert your IKEA Visa card data, and your payment will automatically be split into 10-month interest-free installments.

Does IKEA Offer Other Finance Options?

IKEA offers several finance options for specific products and categories, as listed below:

  • Pay $49.18 over 50 months for your dream kitchen
  • BODARP dining area for $76.97 per week for 12 months (interest-free)
  • KUNGSBACKA kitchen from recycled materials for $57.72 every week for one year (12 months) interest-free

Other than that, IKEA also offers credit for short-term periods of 5 months and long-term periods of 12 to 50 months:

  • Borrow $1-$1,000 over 2.5 months
  • $1,001-$2,000 over 2.5-5 months
  • $2,000-$4,999 over 12 months
  • $5,000-$50,000 over 50 months

Note that a monthly charge of $8 will be applied for 5-month terms until you have repaid the original amount, and interest-free periods will be applied based on your purchase price.

Customers can apply for IKEA financing both online and in-store.

What Is An IKEA Credit Card?

What Is An IKEA Credit Card?

There are two types of IKEA Credit Cards: an IKEA Visa credit card, for everyday rewards, and an IKEA Projekt credit card, for larger purchases.

These Credit Cards are only available in the U.S. and offer customers the chance to earn on everyday purchases towards IKEA rewards.

Additionally, the Projekt credit card also lets you pay off a single purchase over time.

You can get credit with IKEA if you have been approved for an IKEA Visa credit card in an IKEA store or online, and you will be able to use your newly opened account on the same day as activation.

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

Remember that you must fill out an application form to redeem these benefits and provide your personal information and your annual income.

What Payment Methods Does IKEA Accept?

IKEA accepts several different methods of payment in-store and online on the IKEA website.

The payment methods that IKEA accepts include:

  • VISA
  • Cash
  • VISA electron
  • MasterCard
  • Maestro
  • Delta
  • American Express
  • Apple pay
  • Android pay
  • Google Pay
  • IKEA Home Cards
  • IKEA Gift Cards

Do Other Stores Provide Layaway?

Although you cannot get layaway on furniture or household essentials at IKEA, other stores provide the payment service.

Here are the stores on that list:

  • AAFES (Army & Air Force Exchange Service)
  • Baby Depot
  • Big Lots
  • Burlington Coat Factory
  • TJ Maxx
  • Sears and Kmart
  • Walmart
  • Hallmark Gold Crown

To learn more about IKEA’s payment methods, you can also read our related posts on whether or not IKEA accepts checks, if IKEA takes Apple Pay, and learn all about the IKEA Family Card.


Unfortunately, IKEA does not offer any sort of Layaway programs since it is already known for selling good quality furniture at considerably low prices.

However, there are plenty of other payment methods you can use instead of layaway including Zip (previously called Quadpay) and IKEA credit cards.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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