Ashley Furniture Financing Reviews


Furniture is an investment. It can be expensive and buying it outright isn’t always possible. Fortunately, many furniture retailers offer financing options so that you can own your dream pieces now and have the flexibility to pay for them over time. Ashley Furniture Financing is one such option, and it comes with some great perks that make it a top choice for many customers. In this blog post, we’ll take a look at what Ashley Furniture Financing has to offer and discuss the reviews from past customers who have used this service. Read on to learn more!

What is Ashley Furniture?

Ashley Furniture is one of the leading furniture retailers in the United States. The company offers a wide range of furniture products, including bedroom sets, living room sets, dining room sets, and more. Ashley Furniture also offers a variety of financing options to help customers with their purchase.

Ashley Furniture Financing

When it comes to financing your furniture purchase, Ashley Furniture has a few different options that can make the process easier on your wallet. For starters, they offer interest-free financing for up to 12 months on all qualifying purchases. This means that you can take your time paying off your purchase without having to worry about accruing any additional interest fees. Additionally, Ashley Furniture also offers a 5-year protection plan on most of their products, which can help put your mind at ease in case of any accidental damage or wear and tear.

To learn more about Ashley Furniture’s financing options and decide which one is right for you, be sure to check out our comprehensive review below. We’ll cover everything from how to qualify for their interest-free financing program to what kinds of protection plans are available. By the end, you should have a good understanding of whether or not Ashley Furniture is the right place to finance your next furniture purchase.

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Pros and Cons of Ashley Furniture Financing

Assuming you’re referring to the Ashley Furniture HomeStore credit card:

The Ashley Advantage™ Credit Card offers exclusive financing offers, flexible payment options and rewards for our valued customers. Applying is quick and easy. Plus, you can use your card at any Ashley HomeStore location or online at!

Here are some of the pros and cons of the Ashley Advantage™ Credit Card to help you decide if it’s the right choice for you:

– No interest if paid in full within 6, 12, 18 or 24 months1 on purchases of $199 or more made with your Ashley Advantage™ Credit Card.
– Equal monthly payments required for 24 months. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months or if you make a late payment.2
– Get 5% back3 in Rewards Dollars on every purchase made with your card at any Ashley HomeStore location or online at! Plus, get free standard shipping4 on all orders over $149 when you use your card.
– 10% off* your first purchase when you open and use an Ashley Advantage™ Credit Card today!5

How to Apply for Ashley Furniture Financing

If you’re looking to finance your Ashley Furniture purchase, there are a few things you’ll need to do. First, you’ll need to fill out an application. You can do this online or in-store. Once you’ve submitted your application, Ashley Furniture will review it and determine if you’re approved for financing. If so, they’ll send you a credit card with your available credit limit. You can then use this card to make your purchase at Ashley Furniture.

When applying for Ashley Furniture financing, be sure to have the following information handy:

Your social security number

Your driver’s license or state ID number

Your current address and phone number

Employment information, including income and employer contact information

Banking information, including account numbers and routing numbers

Once you have all of this information gathered, you’re ready to apply for Ashley Furniture financing. Just head to their website or visit your local store to get started.

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Alternatives to Ashley Furniture Financing

There are a few alternatives to Ashley Furniture Financing if you’re not satisfied with the terms or don’t like the idea of using furniture as collateral. You could explore other furniture financing options from different stores, use a personal loan, or put the purchase on a credit card.

If you’re looking for other furniture financing options, there are a few different stores that offer financing plans. You could explore these options and compare them to Ashley Furniture Financing to see which one is right for you.

If you don’t want to use furniture as collateral, you could look into getting a personal loan. This can be a good option if you have good credit and can qualify for a low interest rate. Personal loans can be used for anything, so you could use it to finance your furniture purchase if you’d like.

Another option is to put the purchase on a credit card. This might not be the best idea if you’re trying to avoid debt, but it can be an option if you need flexibility with how you make payments. Just be sure that you can afford the monthly payments and pay off the balance as soon as possible to avoid high interest charges.


Ashley Furniture financing has been rated highly by customers for providing great customer service and ease of use. The shorter payment terms, low interest rates, and no down payments make it a convenient option for those looking to finance their furniture purchases. Whether you’re looking to purchase just one item or an entire living room’s worth of furniture, Ashley Furniture financing can help make your dream home happen on your timeline and budget.