To all who have already financed at Ikea

It's poorly done, but for various reasons the payment card is a prerequisite for financing. If you don't have a payment card, you still have to apply for one for financing, even if you don't want to use the card. Your repayment then runs as advertised through the financing and thus at 0%. So, if you want, after applying for/receiving the card, you could cut it up and destroy it and simply cancel it after the financing ends.