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. |
|
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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24 months special financing‡* see more details |
$999 online with Ashley Advantage® credit card. Offered online only. |
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No interest for 60 Months^° see more details |
In Store Only. Min purchase may vary by store. See store for details. |
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.
24 Months Special Financing‡*
On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Minimum purchase of $999 required online.
‡*Subject to credit approval. Minimum monthly payments required. See www.ashleyfurniture.com 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.
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.
24 Months Special Financing‡*
On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Minimum purchase of $999 required online.
‡*Subject to credit approval. Minimum monthly payments required. See www.ashleyfurniture.com 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.
†^Acima offers lease-to-own transactions. This is not an offer for a loan, credit, or financing.