Ashley Furniture offers multiple payment options that streamline the buying process for homeowners and renters alike. Understanding these choices helps you manage cash flow, avoid delays, and protect your credit.
This guide breaks down how payments are processed, financing tools, and what to expect at each stage of your purchase.
| Payment Channel | Accepted Methods | Processing Speed | Notes |
|---|---|---|---|
| Online Account | Debit, Credit, PayPal, Apple Pay | Instant to 1 business day | Save cards for faster checkout and manage autopay |
| Store Associate | Cash, Check, Credit, Financing | Same day once verified | Bring ID and proof of income for financing |
| Phone Payments | Credit Card, ACH | 2 to 3 business days | Useful for large orders and scheduled payments |
| Mobile App | Debit, Credit, Apple Pay, Google Pay | Instant | Enable notifications to track payment status |
How Online Payments Work at Ashley Furniture
Using the Ashley Furniture website or mobile app, you can pay with saved cards, PayPal, or digital wallets. The system encrypts card details and confirms authorization before order processing begins.
You receive instant email receipts and push notifications, which make it easy to track refunds, partial returns, and pending transactions.
Setting up autopay for recurring bills, such as extended warranties or layaway plans, reduces the risk of missed due dates and late fees.
Financing and Credit Options
Promotional Financing
Select orders qualify for promotional financing with 0% interest over set terms. You must pass a credit check, and the offer typically applies to large items like sofas and bedroom sets.
If the promotional period ends before full repayment, standard interest may apply retroactively to the original purchase date.
Standard Credit Applications
For furniture store credit cards, expect a quick decision based on credit history, income, and debt levels. Higher limits can cover entire room purchases, but interest rates vary.
Store cards often provide member-only discounts and extended payment plans, which can be valuable for big-ticket items when managed responsibly.
Payment Methods and Restrictions
Ashley Furniture accepts major credit and debit cards, including Visa, Mastercard, American Express, and Discover. Personal checks are usually allowed in stores with valid government ID.
Some restrictions apply to international cards, prepaid cards, and certain mobile wallets depending on regional policies. Call the store in advance to confirm acceptable forms of payment for your location.
Delivery, Holds, and Changes
Most orders require payment before processing or delivery scheduling. If you request a delivery hold due to home readiness issues, you may need to pay additional storage or extension fees.
Price adjustments for item changes or upgrades typically require a new authorization, and refunds for price drops are issued to the original payment method whenever possible.
Key Payment Takeaways
- Check your credit limit and available credit before large furniture purchases
- Use the Ashley Furniture app for faster checkout and payment tracking
- Review financing terms carefully to avoid retroactive interest
- Confirm acceptable payment types with your local store
- Set autopay for layaway or credit accounts to avoid late fees
FAQ
Reader questions
Can I switch payment methods after placing my order?
Contact customer service or your store associate as soon as possible. Some orders allow payment method changes before processing, but already shipped items usually require a new transaction or refund to the original method.
What happens if I miss a financing payment?
You may incur late fees and penalty interest, and your account could be reported as delinquent. Set up autopay or communicate early with Ashley Furniture to discuss hardship options and avoid credit damage.
Do returns affect my original payment method?
Refunds go back to the original payment form used for the purchase. Credit card refunds typically post in 5 to 10 business days, while card-not-present refunds may take longer depending on your bank.
Are there fees for using a credit card in the store?
Ashley Furniture does not add merchant convenience fees for card payments in most locations, but third-party financing or extended warranty plans may have separate administrative fees. Ask your associate for the full breakdown before signing.