In Store Only. May vary by location. See store for details.
These offers are provided by our finance partners based on approval credit. Exclusions andrestrictions may apply.Other finance providers will have different offers and terms.
Special Financing
payment calculator
Need help planning your budget? Use the Synchrony Bank calculator togetan idea of your monthly payments.
How does the Ashley Advantage® credit card application work?
To provide each customer with the best available financing and purchaseoption, Ashley has available a cascade application to apply forfinancing. Within the application, there are several credit lenders andlease-to-purchase providers. Upon your agreement to share, if youreceive a decline response from one credit lender your application datawill automatically be submitted to the next lender or lease to purchaseprovider in the cascade application.
The Ashley Advantage® Credit Card and financing options can beused to make purchases on Ashley.com and at participating Ashley andAshley Outlet locations in the United States.
already have an existing account?
Effortlessly manage your existing account online through the provider's customer portal.
Lease-to-own with $1 to Start‡^ ‡^ “$1 to start” is available for applications online and in select stores from 4/30/24 – 6/3/24, 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. Not available in MN, NJ, WI, & WY. 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.
What credit score do I need to finance furniture? Since some furniture financing options don't require a credit check, there's no specific credit score minimum. But if you want to use a personal loan, most lenders require a minimum credit score of around 650 or so.
The easiest furniture store credit card to get is the Fingerhut Credit Account because you can potentially have bad credit and still get approved for this card. While Fingerhut isn't only a furniture store, its online-only store has a furniture section, which includes bedroom sets, dining tables, couches, and more.
Since the Ashley Furniture HomeStore Credit Card is a store card, it cannot be used outside of Ashley Furniture stores. The card offers no rewards but only requires fair credit for approval.
Equal monthly payments required for 60 months. Down payment up to 30%, plus tax and delivery may be required on another payment type for in-store purchases. Promo fee of 2% of amount financed will be included in monthly payments. Not combinable with other offers and discounts.
The Ashley Furniture HomeStore Credit Card minimum payment is the highest of the following: $30. 5% of the statement balance. 1% of the statement balance, plus interest and late payment fees.
Rebuilding credit is very easy when you lease-purchase furniture. Reputable credit solutions report all payments to multiple credit bureaus. This gives you an opportunity to improve or build your credit score as you pay your lease.
Generally, the required credit score for a personal loan is at least 580. To qualify for a lender's lowest interest rate, borrowers typically need a score of at least 800 and a high income.
The least expensive way to finance furniture is to pay in cash at the time of your purchase. This method ensures you won't get hit with interest charges or fees. You may also get peace of mind knowing you aren't taking on debt to finance your swanky new couch.
As a member of the Ashley Advantage program, you have access to account management on our Ashley HomeStore Mobile APP for our Synchrony cardholders, as well as online portals for our Wells Fargo, Great American Finance & West Creek Financial cardholders.
Alternatively, you can apply in store. Keep in mind that the Ashley Furniture HomeStore Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds.
It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.
You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).
It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.
The Rooms To Go card requires at least fair credit, so you may be able to get approved with a credit score as low as 600. Here's everything you need to know about the Rooms To Go Credit Card.
Payment by debit or credit card via Alpha Bank Our online store accepts all debit or credit cards (Visa, MasterCard, American Express, Diners) through the Alpha Bank payment system.
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