Style Your Home Now. Pay Later | Ashley Furniture Financing Options

Finance with Affirm

Pay Over Time, On Your Terms

When you choose Affirm at checkout, you can split your purchase into easy monthly payments. It’s quick, transparent, and designed to fit your budget.

Benefits of Affirm:

Choose 3, 6, 12, or up to 36-month payment plans

No hidden fees or compounding interest

Instant decision no waiting

Great for large purchases like sectionals, bedroom sets & dining tables

Available Nationwide: Whether you’re in Los Angeles, Chicago, Houston, or Miami, you can apply online or in-store in seconds.

How to Qualify

Applying for Ashley Home Furniture financing through Affirm is simple:

Be at least 18 years old (19+ in AL/NE)
Have a U.S. home address and mobile number
Provide a Social Security Number
Soft credit check only won’t impact your score

Common Affirm Questions

What is Affirm, and how does it work?

Is Affirm available for all Ashley Furniture items?

Do I need good credit to use Affirm?

Does Affirm check my credit?

When do I start making payments?

Can I pay off my plan early?

How do I choose Affirm at checkout?

Will I see the total cost before I agree?

Can I use Affirm in an Ashley store?

Is Affirm safe to use?

What if I have questions after I submit my application?

Afterpay

Simple, No-Fuss Financing

Prefer smaller payments over a shorter time? Choose Afterpay to split your order into 4 automatic, interest-free payments made every two weeks.

Benefits of Afterpay:

No interest

No credit check required

Instant approval at checkout

Perfect for sofas, chairs, accent pieces & more

Common Afterpay Questions

How does Afterpay work with Ashley Furniture?

Can I use Afterpay for any furniture?

Do I need to fill out a form?

Will Afterpay check my credit?

Will this help my credit score?

What if I miss a payment?

Can I use Afterpay in a local store?

Is Afterpay safe to use?

Can I return items I bought with Afterpay?

Is Afterpay the same as layaway?

Buy Now. Pay Later. Enjoy Instantly.

Whether you're shopping for a sofa on finance, upgrading your living room, or furnishing your new home, Ashley Furniture credit options make it easy to afford what you love now

How It Works:

Shop your favorite furniture
Choose Affirm or Afterpay at checkout
Apply in seconds get instant approval
Enjoy your new furniture
Pay over time