Ikea sells a magnitude of various furniture and general household items at fair prices, but as much as people like their products and would love to have them all, they like to buy items in installments.In this article we will see Does Ikea Have Iayaway?
Does Ikea Have Iayaway?
Ikea does not have Iayaway , neither do they accept layaway requests nor even backorders. Despite these limitations, Ikea customers are able to purchase Ikea products through various Ikea credit plans. There are credit cards specifically meant for Ikea purchases that spread through a variety of products with different options. However, you can play your way around and use the zip website to make layaway like payments in order for you to buy an Ikea product
- The way the zip works is you are able to ‘buy now, pay later’ you are able to pay for an item in four installments and the good thing about it is that it is interest-free and stretches over a period of up to six weeks.
- In order for you to be able to access zip you need to be of legal age of 18 and above, own an American mobile number and your account must be valid and active. to buy items from Ikea you would need to shop through the zip app. Other sites that offer payment installments such as klana U.S. or after pay are not allowed by Ikea.
- Another way that you can stagger your way around to make installment payments in order for it to look like layaway is by using the Ikea visa credit card. The Ikea visa credit card allows you to make payments partially interest-free for up to 10 months.
- The Ikea visa credit card is part of the Ikea family cards that allow you access to exclusive reward programs that are associated with specific categories. There are terms and conditions that apply to the use of this card.
- Once you go on to purchase and feed in the Ikea visa credit card data, the payments are split automatically into ten months and you have it your way.
Other Ikea financial options
At Ikea, there exist other financial options that are based on different products and categories. The credits are divided into two parts namely short term credit and long term credit.
Short term credit offers
The short-term credit would offer you between $1 to $1,000 over a period of up to two and a half months. And $1,001 to $2,000 for up to two and a half to a maximum of five months.
Note that there is an $8 monthly fee that allows you to repay your purchase which frees your balance that allows you to shop again.
Long-term credit offers.
The long-term credit option offers you between $2,000 to $4,999 for up to twelve months and between $5,000 to $50,000 for up to 50 months. This is also interest free which automatically applies based on the purchase amount.
These financing options are applicable for both online and in-store purchases. The terms and conditions for those credit offers can be found here
Ikea Projekt credit card
This card also offers you an alternative to layaway allowing you to pay off a single purchase over an extended period. It also offers 0% interest for 6, 12, and 24 months after which a purchase APR of 21.99% is applied. Although there is a minimum purchase required, there are no annual fees and no prepayment penalties. The terms and conditions for use of Ikea Projekt credit card can be found here
It should be noted that minimum payments are not guaranteed to pay the promotional plan balance within the promotional period.
What payment methods does Ikea take?
Ikea accepts a variety of payment methods which are listed below
- Visa
- Mastercard
- Apple pay
- Android pay
- Google pay
- Maestro
- Delta
- Ikea Home Cards
- Ikea Gift Cards
- American Express
- Visa Electron
- Cash
It is important to note that Ikea does not accept cheques for any type of order
Does the layaway alternative cater for online additional service?
Ikea does not offer the ability to offer additional services such as assembly, installation, or recycling services online. This service, therefore, is not charged in any online purchase plan.
Can one make an online purchase using a gift card and a credit card?
This is called split payment and this can be done both online and in-store.
Are there other stores that offer layaway?
Although Ikea does not offer layaways, other stores fill in. These stores include;
- Tj Maxx
- Walmart
- hallmark gold crown
- Big Lots
- Baby Depot
- Burlington Coat Factory
- Army and Airforce Exchange Service (AAFES)
Summary
Ikea does not have any kind of Iayaway since it’s a well-known company that offers its products and services at a relatively low cost. It alternatively offers plenty of favorable payment plans to fill in for layaway to its customers.
