Choose the financing offer that works best for you
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financing options |
minimum purchase requirements |
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6 months special financing††† see more details |
No min online. May vary in-store. See store for details. |
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12 months special financing†† see more details |
$499 online with Ashley Advantage® Synchrony credit card. Min purchase may vary in-store. |
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18 months special financing‡† see more details |
$999 online with Ashley Advantage® Synchrony credit card. Min purchase may vary in-store. |
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24 months special financing‡* see more details |
$1499 online with Ashley Advantage® Synchrony credit card. Min purchase may vary in-store. |
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60 months special financing^° see more details |
In Store Only. Min purchase may vary by store. See store for details. 60 equal monthly payments required. |
FAQS
To provide each customer with the best available financing and purchase
option, Ashley has available a cascade application to apply for
financing. Within the application, there are several credit lenders and
lease-to-purchase providers. Upon your agreement to share, if you
receive a decline response from one credit lender your application data
will automatically be submitted to the next lender or lease to purchase
provider in the cascade application.
Synchrony - Revolving Credit Lines
Concora Credit – Revolving Credit
Lines
Acima – Lease-to-Own
The Ashley Advantage® Credit Card and financing options can be
used to make purchases on Ashley.com and at participating Ashley and
Ashley Outlet locations in the United States.
For additional details on the offers on this page, click here to learn more.
In-store Only: No interest for 60 months^°
On in-store purchases made with your Ashley Advantage® Synchrony credit card. Equal monthly payments required for 60 months. Minimum purchase may be required. Down payment up to 30% may be required on another payment type for in-store purchases.
^°Not combinable with other offers and discounts. If any down payment is required, the qualifying purchase amount is determined prior to any down payment, taxes or delivery. Qualifying purchase amount, less any applicable down payment, must be on one receipt. No interest will be charged on amount financed and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial amount financed, divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months' rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 7/31/2025 Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Excludes Samsung appliances and electronics. Discounts on Regular Price items may be available depending on the payment method or promotional financing offer you select. For more information on our Regular Price discounts or for additional promotional financing options, see a sales associate for details.
Zero interest if paid in full within 2 years‡*
On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 Months. Minimum monthly payments required. Minimum purchase of $1499 required online.
‡*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Discounts on Regular Price items may be available depending on the payment method or promotional financing offer you select. For more information on our Regular Price discounts or for additional promotional financing options, see a sales associate for details.
$1 to Start‡^
‡^“$1 to start” is available for applications online and in select stores, does not include taxes, & refers to the rental period from agreement start date to 1st scheduled renewal payment. On 1st renewal date, regular rental rates, taxes & fees will apply. Rate, term and total cost vary by item selected. This is not a promotion for a specific transaction/item nor an offer for a loan, credit, or financing. See lease for payment amounts & rental terms. Offer will not reduce the number of payments, total amount to acquire ownership, or purchase option amount. Customers in California will pay a $0 initial rent payment and a $1 processing fee to start.
Email & SMS Welcome Offer: $50 off your next purchase^†
^†Use the promo code provided for $50 off your purchase of $999.99 or more at participating Ashley-branded stores or at checkout on www.ashleyfurniture.com. Previous purchases excluded. Minimum purchase amount must be met in a single transaction before taxes and delivery fees. Cannot be combined with any other offer or discount. Offer excludes clearance/closeouts, floor models, furniture protection plans, warranty, service charges, or Purple, Beautyrest Black®, Sealy Conform™, Tempur-Pedic®, Nectar, Stearns & Foster®, Serta® iComfort®, Sealy® Hybrid™, Serta® Motion Essentials® and Serta® Motion Perfect® product purchases. Offer is nontransferable and does not apply to sales tax, shipping, In-Home Delivery, or handling charges. Prices or offers may vary in Hawaii and Alaska. Ashley-branded stores may be owned and operated by Ashley Global Retail, LLC (or subsidiaries), or independent licensees. See store associate for more details. Offer expires 30 days after coupon issued online at 11:59pm EST.
To provide each customer with the best available financing and purchase option, Ashley has available a cascade application to apply for financing. Within the application, there are several credit lenders and lease-to-purchase providers. Upon your agreement to share, if you receive a decline response from one credit lender your application data will automatically be submitted to the next lender or lease to purchase provider in the cascade application.
Synchrony - Revolving Credit Lines
Concora Credit – Revolving Credit
Lines
Acima – Lease-to-Own
The Ashley Advantage® Credit Card and financing options can be used to make purchases on Ashley.com and at participating Ashley and Ashley Outlet locations in the United States.
For additional details on the offers on this page, click here to learn more.
In-store Only: No interest for 60 months^°
On in-store purchases made with your Ashley Advantage® Synchrony credit card. Equal monthly payments required for 60 months. Minimum purchase may be required. Down payment up to 30% may be required on another payment type for in-store purchases.
^°Not combinable with other offers and discounts. If any down payment is required, the qualifying purchase amount is determined prior to any down payment, taxes or delivery. Qualifying purchase amount, less any applicable down payment, must be on one receipt. No interest will be charged on amount financed and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial amount financed, divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months' rounding. Regular account terms apply to non-promo purchases. New Accounts: As of 7/31/2025 Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Excludes Samsung appliances and electronics. Discounts on Regular Price items may be available depending on the payment method or promotional financing offer you select. For more information on our Regular Price discounts or for additional promotional financing options, see a sales associate for details.
Zero interest if paid in full within 2 years‡*
On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 Months. Minimum monthly payments required. Minimum purchase of $1499 required online.
‡*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Discounts on Regular Price items may be available depending on the payment method or promotional financing offer you select. For more information on our Regular Price discounts or for additional promotional financing options, see a sales associate for details.
$1 to Start‡^
‡^“$1 to start” is available for applications online and in select stores, does not include taxes, & refers to the rental period from agreement start date to 1st scheduled renewal payment. On 1st renewal date, regular rental rates, taxes & fees will apply. Rate, term and total cost vary by item selected. This is not a promotion for a specific transaction/item nor an offer for a loan, credit, or financing. See lease for payment amounts & rental terms. Offer will not reduce the number of payments, total amount to acquire ownership, or purchase option amount. Customers in California will pay a $0 initial rent payment and a $1 processing fee to start.
Email & SMS Welcome Offer: $50 off your next purchase^†
^†Use the promo code provided for $50 off your purchase of $999.99 or more at participating Ashley-branded stores or at checkout on www.ashleyfurniture.com. Previous purchases excluded. Minimum purchase amount must be met in a single transaction before taxes and delivery fees. Cannot be combined with any other offer or discount. Offer excludes clearance/closeouts, floor models, furniture protection plans, warranty, service charges, or Purple, Beautyrest Black®, Sealy Conform™, Tempur-Pedic®, Nectar, Stearns & Foster®, Serta® iComfort®, Sealy® Hybrid™, Serta® Motion Essentials® and Serta® Motion Perfect® product purchases. Offer is nontransferable and does not apply to sales tax, shipping, In-Home Delivery, or handling charges. Prices or offers may vary in Hawaii and Alaska. Ashley-branded stores may be owned and operated by Ashley Global Retail, LLC (or subsidiaries), or independent licensees. See store associate for more details. Offer expires 30 days after coupon issued online at 11:59pm EST.
†^Acima offers lease-to-own transactions. This is not an offer for a loan, credit, or financing.