Ashley Advantage® Credit Card Online Financing & Lease-to-Own

Choose the financing offer that works best for you

financing options minimum purchase requirements
6 months special financing†††
No min online. May vary in-store. See store for details.

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

No minimum purchase required for Ashley Advantage® Synchrony credit card purchases. 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 6 months. Minimum monthly payments required.

†††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.

If approved for the Ashley Advantage® credit card, you'll be able to select a payment option that suits you. Prequalify now with no impact to your credit bureau score. Prequalify Now.

Want to learn more about how this financing offer works? Click Here.

12 months special financing††
$499 online with Ashley Advantage® Synchrony credit card. Min purchase may vary in-store.

No Interest if paid in full within 12 Months††

On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Minimum purchase of $499 required online. 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.

††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.

If approved for the Ashley Advantage® credit card, you'll be able to select a payment option that suits you. Prequalify now with no impact to your credit bureau score. Prequalify Now.

Want to learn more about how this financing offer works? Click Here.

18 months special financing‡†
$999 online with Ashley Advantage® Synchrony credit card. Min purchase may vary in-store.

No interest if paid in full within 18 Months‡†

On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Minimum purchase of $999 required online. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 Months. Minimum monthly payments required.

‡†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.

If approved for the Ashley Advantage® credit card, you'll be able to select a payment option that suits you. Prequalify now with no impact to your credit bureau score. Prequalify Now.

Want to learn more about how this financing offer works? Click Here.

24 months special financing‡*
$1499 online with Ashley Advantage® Synchrony credit card. Min purchase may vary in-store.

No interest if paid in full within 24 Months‡*

On online purchases made with your Ashley Advantage® Synchrony credit card. Minimum purchase of $1499 required online. 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.

‡*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.

If approved for the Ashley Advantage® credit card, you'll be able to select a payment option that suits you. Prequalify now with no impact to your credit bureau score. Prequalify Now.

Want to learn more about how this financing offer works? Click Here.

60 months special financing^°
In Store Only. Min purchase may vary by store. See store for details. 60 equal monthly payments required.

No interest for 60 Months^° - In Store Only

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.

If approved for the Ashley Advantage® credit card, you'll be able to select a payment option that suits you. Prequalify now with no impact to your credit bureau score. Prequalify Now.

72 months special financing‡‡
In Store Bedding Purchases Only. Min purchase may vary by store. See store for details. 72 equal monthly payments required.

72 months special financing‡‡ - In Store Only

On in-store bedding purchases made with your Ashley Advantage® Synchrony credit card. Equal monthly payments required for 72 months. Minimum purchase may be required. Down payment up to 30% may be required on another payment type for in-store purchases.

‡‡Excludes Samsung appliances and electronics. 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. See a sales associate for details on required down payment. Qualifying purchase amount 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. We reserve the right to discontinue or alter the terms of this offer at any time. 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.

If approved for the Ashley Advantage® credit card, you'll be able to select a payment option that suits you. Prequalify now with no impact to your credit bureau score. Prequalify Now.