Ashley Furniture Financing, Explained
Ashley's Synchrony card offers no-interest promotions from 6 to 60 months, with online purchase minimums for the 12, 18 and 24 month offers.
By Olivia HarperContributing writer. Policy checked .
On this page
Ashley's financing page describes the Ashley Advantage credit card, issued through Synchrony, and the promotional offers that come with it. The page was read on October 26, 2026. Every term below comes from that page. Offers and fine print change, so check the page before you buy.
The promotional offers
| Promotion | Online minimum | Notes |
|---|---|---|
| 6 months special financing | None | The minimum may vary in store |
| 12 months special financing | $499 | The minimum may vary in store |
| 18 months special financing | $999 | The minimum may vary in store |
| 24 months special financing | $1,499 | The minimum may vary in store |
| 60 months special financing | Not online | In-store purchases only |
How the no-interest period works
- The promotional balance must be paid in full within the promo period. If it is not, interest is charged from the purchase date on the promo balance.
- Minimum monthly payments are required during the promo period.
- The qualifying purchase amount must be on one receipt.
- Regular account terms apply to non-promo purchases. After the promo period ends, they apply to any promo balance that is left.
The 60-month in-store offer
This offer applies only to in-store purchases. It requires equal monthly payments for the full 60 months. Each payment equals the amount financed divided by the number of months, rounded up to the next whole dollar, so the last payments can be slightly lower. The page says a down payment of up to 30% may be required on another payment type for in-store purchases.
The offer excludes Samsung appliances and electronics. It cannot be combined with other offers and discounts.
Rates and fees
The page lists these terms for new accounts opened as of July 31, 2025:
- Purchase APR: 34.99%
- Penalty APR: 39.99%
- Minimum interest charge: $2
Existing cardholders see their own card agreement. Approval is subject to credit.
Prequalifying
The page offers a prequalification step and says it has no impact on your credit bureau score. You can start it from the financing page.
Discounts on regular prices
The page says discounts on regular-price items may be available depending on the payment method or the promotional financing offer you pick. For those details, the page directs you to a sales associate.
What the page does not cover
- Layaway: the financing page does not describe a layaway plan, so this article does not cover layaway.
- Lease-to-own: the page mentions lease-to-own options, but it gives no terms, so this article does not describe them.
Before you finance
- Note the end date of the promo period, and plan to pay the full promo balance before it.
- Keep the purchase on one receipt if you want the promotion to apply.
- Ask a sales associate about in-store terms, since the page says minimums vary by store.
Sources
Ashley Advantage Online Financing and Lease-to-Own, Ashley Furniture. Policy checked October 26, 2026.