Financing

At Ashley HomeStore, our goal is to get you the furniture, appliances or mattresses you want for your home when you want it. So we offer a number of payment options for your to choose from including major credit cards such as Master Card, Visa or American Express or you can use your debit card or make a cash purchase in store.

A variety of flexible financing plans are available through an online or in-store application process to help you get the looks you love and the function you need sooner. You can even pay for your purchase with a combination of these options. The choice is yours!


As Ashley HomeStores are independently owned and operated, our financing plans only apply to select HomeStore locations.  For a complete list of participating stores, please visit our store locator

Financing Administered By

Taxes, administration fee and delivery fee due at time of purchase

Admin fee: $0.00*
Minimum purchase: $0.00

PLAN DESCRIPTION

NO PAY/SAME AS CASH:

Your purchase promotional plan is No Payment, Same As Cash(No Pay/SAC). Finance charges will accrue on the purchase from the beginning of the 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. 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. The promotional period may be terminated upon a default under the RETAIL PURCHASE AND CREDIT AGREEMENT AND DISCLOSURE STATEMENT.

When sending payments to Fairstone Financial, please ensure that you allow for sufficient time for payment processing prior to the due date.

* A $0 administration fee is due at time of purchase when purchase is made online. A $49.99 administration fee is due at time of purchase when purchase is made in-store. On approved credit. Deposit equal to the amount of taxes, and delivery must be made at time of purchase. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your card holder agreement 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 of 6 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% 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.

Taxes, administration fee and delivery fee due at time of purchase

Admin fee: $0.00*
Minimum purchase: $0.00

PLAN DESCRIPTION

NO PAY/SAME AS CASH:

Your purchase promotional plan is No Payment, Same As Cash (No Pay/SAC). Finance charges will accrue on the purchase from the beginning of the 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. 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. The promotional period may be terminated upon a default under the RETAIL PURCHASE AND CREDIT AGREEMENT AND DISCLOSURE STATEMENT.

When sending payments to Fairstone Financial, please ensure that you allow for sufficient time for payment processing prior to the due date.

* A $0 administration fee is due at time of purchase when purchase is made online. $99.99 administration fee is due at time of purchase when purchase is made in-store. On approved credit. Deposit equal to the amount of taxes, and delivery must be made at time of purchase. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your card holder agreement 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 of 12 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% 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.

Taxes, administration fee and delivery fee due at time of purchase

Admin fee: $0.00*
Minimum purchase: $0.00

PLAN DESCRIPTION

FREE FINANCING:

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. If the minimum payment is not made when due or if a balance remains after the promotional period expires, Finance Charges will be assessed at the APR as disclosed in the Card holder Agreement. The promotional period may be terminated upon a default under the RETAIL PURCHASE AND CREDIT AGREEMENT AND DISCLOSURE STATEMENT.

When sending payments to Fairstone Financial, please ensure that you allow for sufficient time for payment processing prior to the due date.

* A $0 administration fee is due at time of purchase when purchase is made online. A $129.99 administration fee is due at time of purchase when purchase is made in-store. On approved credit. Deposit equal to the amount of taxes, and delivery must be made at time of purchase. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing provided by Fairstone Financial Inc., and is subject to all the terms and conditions in your card holder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). The purchase price is divided by the number of months in the credit promotional period to determine equal monthly payments to be made during the credit promotional period. Finance Charges will not accrue on the purchase during the credit promotional period of 24 months if the required minimum payment is made each billing cycle during the credit 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 credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% and the terms of the regular credit plan will apply to all outstanding balances owing.

Taxes, administration fee and delivery fee due at time of purchase

Admin fee: $0*
Minimum purchase: $2,999.99

PLAN DESCRIPTION

FREE FINANCING:

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. If the minimum payment is not made when due or if a balance remains after the promotional period expires, Finance Charges will be assessed at the APR as disclosed in the Cardholder Agreement. The promotional period may be terminated upon a default under the RETAIL PURCHASE AND CREDIT AGREEMENT AND DISCLOSURE STATEMENT.

When sending payments to Fairstone Financial, please ensure that you allow for sufficient time for payment processing prior to the due date.

* A $0.00 administration fee is due at time of purchase when purchase is made online. A $229.99 administration fee is due at time of purchase when purchase is made in-store. On approved credit. Deposit equal to the amount of taxes, and delivery must be made at time of purchase. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing provided by Fairstone Financial Inc.  and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). The purchase price is divided by the number of months in the credit promotional period to determine equal monthly payments to be made during the credit promotional period. Finance Charges will not accrue on the purchase during the credit promotional period of 48 months if the required minimum payment is made each billing cycle during the credit 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 credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% and the terms of the regular credit plan will apply to all outstanding balances owing.

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