Ashley Advantage™ Online Financing

style your home now, pay over time

see if you prequalify

Get a decision in seconds with no impact to you credit bureau score.

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applying is as easy as 1, 2, 3

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fill out an application

Find the best financing options for you with one easy application.

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explore your options

We'll match you with the best offers from our financing partners.

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enjoy a fast + easy checkout

Select your financing method at checkout and complete the steps to accept your offer.

choose the financing option that works best for you

financing options

minimum purchase

6 Months Financing†††

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No minimum purchase required for Synchrony.

$150 minimum purchase required for GAFCO.

No Interest if paid in full within 6 Months†††

No minimum purchase required for Ashley Advantage™ Synchrony purchases.

$150 minimum purchase required for Ashley Advantage™ Great American Finance purchases.

Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required. Can be combined with online discount offers on qualifying purchases.

††† For Ashley Advantage™ Synchrony Accounts: 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. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

If approved for the Ashley Advantage™ Credit Card, you'll be able to select a payment option that suits you. Apply Now.

†††For Ashley Advantage™ Great American Finance Accounts: Subject to credit approval. Finance charges will be waived if you pay the entire amount of the purchase during the promotional period under deferred interest programs. Deferred interest extends for up to 6 months from the date of purchase. You will need to pay more than the minimum amount due to pay off the balance during the promotional period. Interest will be charged from the date the consumer becomes obligated for the transaction amount subject to the deferred interest offer if the transaction balance is not paid in full within the deferred interested period. Purchase APR is 34.99%. Some loans funded by FinWise Bank. Applications submitted to Great American Finance may be originated by one of several lenders, including Great American Finance, a licensed lender in certain states, or one of our lending partners. All loans originated by our lending partners will be serviced by Great American Finance.

Log in to the Ashley Advantage™ Great American Finance Account. Log in.

12 Months Financing††

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No minimum purchase required for Synchrony.

$499 minimum purchase required for GAFCO.

No Interest if paid in full within 12 Months††

No minimum purchase required for Ashley Advantage™ Synchrony purchases.

$499 minimum purchase required for Ashley Advantage™ Great American Finance purchases.

Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required. Can be combined with online discount offers on qualifying purchases.

††For Ashley Advantage™ Synchrony Accounts: 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. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

If approved for the Ashley Advantage™ Credit Card, you'll be able to select a payment option that suits you. Apply Now.

††For Ashley Advantage™ Great American Finance Accounts: Subject to credit approval. Finance charges will be waived if you pay the entire amount of the purchase during the promotional period under deferred interest programs. Deferred interest extends for up to 12 months from the date of purchase. You will need to pay more than the minimum amount due to pay off the balance during the promotional period. Interest will be charged from the date the consumer becomes obligated for the transaction amount subject to the deferred interest offer if the transaction balance is not paid in full within the deferred interested period. Purchase APR is 34.99%. Some loans funded by FinWise Bank. Applications submitted to Great American Finance may be originated by one of several lenders, including Great American Finance, a licensed lender in certain states, or one of our lending partners. All loans originated by our lending partners will be serviced by Great American Finance.

Log in to the Ashley Advantage™ Great American Finance Account. Log in.

60 Months Financing^*

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No minimum purchase required.

9.99% APR for 60 Months^*

No minimum and no down payment required for Ashley Advantage™ Synchrony purchases. Fixed monthly payments required for 60 months. Can be combined with online discount offers on qualifying purchases.

^*Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.1242% of initial total promo purchase amount, 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. Regular account terms apply to non-promo purchases. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval

If approved for the Ashley Advantage™ Credit Card, you'll be able to select a payment option that suits you. Apply Now.

72 Months Financing°

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$3,999 minimum purchase required.

No Interest for 72 Months°

$3999 minimum purchase required for Ashley Advantage™ Synchrony credit card. Equal monthly payments required for 72 months. Can be combined with online discount offers on qualifying purchases.

°Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount 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. Regular account terms apply to non-promo purchases. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

If approved for the Ashley Advantage™ Credit Card, you'll be able to select a payment option that suits you. Apply Now.

Special Financing

payment calculator

Need help planning your budget? Use the Synchrony Bank calculator to get an idea of your monthly payments.

we also offer these financing alternatives

Lease to own with Acima Leasing

Buy now, pay over time with 4 easy installments

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FAQS

How does the Ashley Advantage™ credit card application work?

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.

Who are the Ashley Advantage™ finance providers?

Synchrony - Revolving Credit Lines
Great American Finance – Revolving Credit Lines
Progressive – Lease-to-Own
Acima – Lease-to-Own
Caddipay – Buy Now Pay Later

Where can I use the Ashley Advantage™ financing?

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. Caddipay can only be used to make purchases on Ashley.com.