Finance Your Purchase

Ashley Advantage Card

style your home now, pay over time

Financing provided by Fairstone
Ashley Advantage Card
Ashley Advantage Card
Buy now & pay over time
Buy Now & Pay Over Time
Have the budget to cover large purchases
Budget to Cover Large Purchases
receive a decision within minutes
Receive a Decision Within Minutes

Choose the financing offer that works best for you

*On approved credit. An annual membership fee, as set out in your Account Agreement, may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance charges will accrue on the purchase from the beginning of the credit promotional period, but no minimum payments will be due during the promotional period. However, if you pay the purchase price in full by the expiration date of the promotional period, all of the accrued finance charges will be waived and no finance charges will be assessed on the purchase. Otherwise, if you do not pay the purchase price in full by the expiration date of the promotional period, all of the accrued finance charges will be assessed to your account at that time at the APR disclosed in the Account Agreement.

*On approved credit. An annual membership fee, as set out in your Account Agreement, may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). The purchase price is divided by the number of months in the promotional period to determine equal monthly payments to be made during the promotional period. Finance charges will not accrue on the purchase during the promotional period if the required minimum payment is made each billing cycle during the promotional period when due. The terms of the credit promotional plan will terminate if you default under your Account Agreement. On termination or expiry of the promotional plan (or for purchases that are not part of the promotional plan), the standard APR as set out in your Account Agreement and the terms of the Regular Credit Plan will apply to all outstanding balances owing. Certain terms and conditions apply. See store and Account Agreement for further information.

Deferred Payments

3 Months deferred payment

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Interest will accrue on the purchase amount and annual fees from the beginning of the promotional period, but no minimum payments are required. However, if you pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees. If you do not pay the balance in full when the promotional period expires, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

6 Months deferred payment

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Interest will accrue on the purchase amount and annual fees from the beginning of the promotional period, but no minimum payments are required. However, if you pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees. If you do not pay the balance in full when the promotional period expires, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

9 Months deferred payment

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Interest will accrue on the purchase amount and annual fees from the beginning of the promotional period, but no minimum payments are required. However, if you pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees. If you do not pay the balance in full when the promotional period expires, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

12 Months deferred payment

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Interest will accrue on the purchase amount and annual fees from the beginning of the promotional period, but no minimum payments are required. However, if you pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees. If you do not pay the balance in full when the promotional period expires, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

Equal Monthly Payments

24 Months equal monthly payments - no interest

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). The purchase amount is divided by the number of months in the promotional period to arrive at equal monthly payments. Interest will not accrue on the purchase amount and annual fees during the promotional period if the required minimum payment is made when due each billing cycle. The terms of the promotional plan will terminate if you default under your Account Agreement. On termination or expiration date of the promotional plan (or for purchases that are not part of the promotional plan), the annual interest rate 31.99% as shown in your Account Agreement and the terms of the Regular Credit Plan will apply to all outstanding balances. Certain terms and conditions apply. See store and Account Agreement for further information.

36 Months equal monthly payments - at 4.99% AIR

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A 4.99% annual interest rate applies to the plan. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and in the documents provided to you at point of sale (collectively the “Account Agreement”). A reduced interest rate (4.99% AIR) will be charged on the purchase amount. The purchase amount plus interest charges is divided by the term to arrive at equal monthly payments that are due each billing cycle. Interest is precalculated and included in each monthly payment. Terms will be disclosed to you at the point of sale. If the minimum payment is not made when due or if a balance remains after the promotional period expires, interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

48 Months equal monthly payments - at 4.99% AIR

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A 4.99% annual interest rate applies to the plan. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and in the documents provided to you at point of sale (collectively the “Account Agreement”). A reduced interest rate (4.99% AIR) will be charged on the purchase amount. The purchase amount plus interest charges is divided by the term to arrive at equal monthly payments that are due each billing cycle. Interest is precalculated and included in each monthly payment. Terms will be disclosed to you at the point of sale. If the minimum payment is not made when due or if a balance remains after the promotional period expires, interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

60 Months equal monthly payments - at 4.99% AIR

*On approved credit. Depending on your credit profile, you may not qualify for all payment plans. A 4.99% annual interest rate applies to the plan. A $35 annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and in the documents provided to you at point of sale (collectively the “Account Agreement”). A reduced interest rate (4.99% AIR) will be charged on the purchase amount. The purchase amount plus interest charges is divided by the term to arrive at equal monthly payments that are due each billing cycle. Interest is precalculated and included in each monthly payment. Terms will be disclosed to you at the point of sale. If the minimum payment is not made when due or if a balance remains after the promotional period expires, interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.

FAQs

Where can I use my Ashley Advantage card?

The Ashley Advantage Card can be used at any of our Ashley stores and for purchases on our website at www.ashley.ca

How do I make a payment to my account?

Financing is provided by Fairstone Financial Inc.

 

There are four ways you can pay your account:

  1. Telephone or online banking: enter Fairstone – Retail Financing as the payee
  2. At your financial institution: in some cases, institutions will help you set up monthly recurring payments
  3. At a local Fairstone branch: Visit Fairstone.ca/branches and find a branch near you
  4. By mailing a cheque payable to Fairstone: include your account number and the payment amount on the return portion of your monthly statement and address it to:
    Fairstone Financial Inc.
    Attn: Payment Processing
    630 René-Lévesque Blvd. W., Suite 1400 Montréal, Quebec, H3B 4Z9

How does online account management work?

Simply register for online account management and log into your account to get updates about your Fairstone financing account such as monthly electronic statements, account balance, payment due date, minimum payment, and recent transaction history.

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