Financing Offers
More ways to buy at Ashley
We offer more finance options than ever before allowing you to select the monthly payment right for you. We understand that not everyone has perfect credit, and many are just getting started. As such, we offer special financing programs from 6 to 72 months and lease-to-own financing that makes life changing purchases possible for anyone. Choose from the payment programs below:
More for you by Synchrony Bank
Long-term special financing options**
Credit lines up to $250,000 available for qualified buyers
No minimum purchase options available
Special shopping events for More for You card holders valid at our Morris Furniture Company family of brands
No Impact to your credit to apply! Up to 12 Months Special Financing*
Get Pre-Approved for up to 12 Months of Special Financing. *Subject to credit approval.
Flexible revolving credit lines you can use again later
Affordable monthly payments with no prepayment penalties
No impact to your credit to apply! Get a fast, easy and instant decision in seconds!
Lease to Own. Powered by Progressive Leasing.
12-Month Program and 90-day option with low initial payments
90-Day Purchase Option: Standard agreement offers12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.
Flexible payment options
No Credit required
Industry leader
0% Interest for 60 months on Furniture & Mattresses¹
On qualifying furniture and mattress purchases made with your More for You or Synchrony Home credit card. 60 equal monthly payments required. Furniture purchases: $4,998 minimum purchase and 25% deposit required on regular and custom orders. Mattress purchases: $3,998 minimum purchase and no deposit is required. Promo fee of 2% of amount financed will be included in required monthly payments.
The More for You/Synchrony HOME credit card cannot be used for any required down payments. Qualifying purchase amount is determined prior to down payment, taxes or delivery. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next whole cent. 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 7/16/2024: Purchase APR 39.99%. Min Interest Charge $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 any time. To make an online purchase with financing greater than 12 months, select Pay Off line at checkout or call 937 874 7150 to speak with an associate about extended finance options.
0% Interest for 36 months on Furniture & Mattresses²
On qualifying furniture and mattress purchases made with your More for You or Synchrony Home credit card. 36 equal monthly payments required. Furniture purchases: $3,998 minimum purchase and 15% deposit required on regular orders and 25% deposit on custom orders. Mattress purchases: $2,998 minimum purchase and no deposit is required. Promo fee of 2% of amount financed will be included in required monthly payments.
The More for You/Synchrony HOME credit card cannot be used for any required down payments. Qualifying purchase amount is determined prior to down payment, taxes or delivery. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next whole cent. 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 07/16/2024, Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $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 any time. To make an online purchase with financing greater than 12 months, select Pay Off line at checkout or call 937-874-7150 to speak with an associate about extended finance options.
0% Interest for 24 months and $1 per month for the first 3 months on Furniture and Mattresses³
$1 per month for the first three months, then 21 higher equal monthly payments required on qualifying in-store furniture and mattress purchases made with your More for You or Synchrony Home credit card. No deposit required except for 25% on custom orders. Furniture purchases: $2,498 minimum purchase required. Mattress purchases: $1,998 minimum purchase required. Promo fee of 2% of amount financed will be included in required monthly payments.
The More for You/Synchrony HOME credit card cannot be used for the required 25% down payment on special orders. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) and 24 monthly payments are required on such balance until it is paid in full. For the first 3 months reduced payment period, the monthly payment will be equal to $1. For the 21 months equal payment period, a higher monthly payment will be required equal to the unpaid promo purchase balance (including related promo fee) (calculated once after the reduced payment period ends) divided by the number or months in this equal payment period, rounded up to the next whole cent. Except for the reduced payment period, these payments may be higher than the payments that would be required if this purchase was a non-promo purchase; in addition, 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 07/16/2024, Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $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 any time. To make an online purchase with financing greater than 12 months, select Pay Offline at checkout or call 937-874-7150 to speak with an associate about extended finance options. Other financing options are available with no promo fee.
No interest if paid in full within 18 Months⁴
On qualifying purchases made with your More for You or Synchrony Home Network credit card. 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. No deposit required however a 25% down payment is required on special orders. For 18 months terms on Furniture purchases a $1,998 minimum purchase is required.
Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A Promo Fee does not apply to this offer. 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 07/16/2024, Purchase APR is 34.99%. Penalty APR is 39.99% Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. 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 any time.
No interest if paid in full within 12 Months⁵
On qualifying purchases made with your More for You or Synchrony Home Network credit card. 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. No deposit required however a 25% down payment is required on special orders.
Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A Promo Fee does not apply to this offer. 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 07/16/2024, Purchase APR is 34.99%. Penalty APR is 39.99% Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. 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 any time.
No interest if paid in full within 6 Months⁶
On qualifying purchases made with your More for You or Synchrony Home Network 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. No deposit required however a 25% down payment is required on special orders.
Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A Promo Fee does not apply to this offer. 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 07/16/2024, Purchase APR is 34.99%. Penalty APR is 39.99% Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. 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 any time.
(7) Progressive Leasing
The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY LEARN MORE
Promotional Details
Discount equal to state sales tax:
No minimum purchase required and eligible on qualifying furniture and non-premium mattress purchases financed up to 24 months, including custom orders. Discount is not eligible on Doorbusters, Advertised Final Price items, Packages, Freebies, Special Value Items, Floor Samples, and Clearance that are already priced as marked at 30% off or more. Due to manufacturer restrictions, premium mattresses, bedding accessories, adjustable bases, and Cozzia are excluded from additional discounts. State tax discount is equal to 5.75% in OH and 6% in KY.
*Save up to 50% off storewide:
Price reflects discount.
APPLY FOR CREDIT IN-STORE OR ONLINE
Visit your local Ashley to learn about more offers and ways to finance your purchase.
To apply online, follow the line below. The Synchrony Financial application will open in a new window where you can apply for your More for You Credit Card. After approval, you can register to view your statements online and make payments on your account.
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