Financing Terms

$1 to Start^{‡^}

You may be eligible for a lease-to-own agreement with Acima Leasing. Acima Leasing will purchase eligible merchandise with a retail cash price up to your approval amount and lease it to you. Get the things you want without using credit*.

Fast approval decisions up to $4,000** in instant shopping power.

Flexible payments conveniently scheduled with your payday.

Own the items in 12 months with a flexible payment schedule or purchase early at a discount anytime. Customers who use the First Early Purchase Option in the first 90 days of the agreement (3 months in CA) save big on leasing costs.^

^{‡^}“$1 to start” is available for applications online and in select stores, does not include taxes and refers to the rental period from agreement start date to first scheduled renewal payment. On your first renewal date, lease payment amounts, taxes, and fees will apply. Lease renewal payment amount, period to ownership, and total cost vary by item selected. This is not a promotion for a specific transaction or item. Please see lease for payment amounts and rental terms. Offer will not reduce the number of payments, total amount necessary to acquire ownership, or purchase option amount. Customers in California will pay a $0 initial rent payment and a $1 processing fee to start.

⁵Acima offers lease-to-own transactions. “Shop Without Using Credit” means this is not a loan, credit, or financing. Acima obtains information from consumer reporting agencies during a lease application. We consider multiple data points and regularly approve customers with less than perfect credit history. Acima Cash Price may include a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Not all applicants are approved.

**"Get Approved up to $4,000", refers to maximum amount Acima Leasing will spend to acquire goods from a retailer to provide to you, subject to a lease purchase transaction.

⁶Standard agreement offers 12 months to ownership. You are not automatically enrolled in early purchase options. To use an early purchase option call (801) 297-1980 or go to https://customer.acima.com after you receive the lease property.

For additional details on the offers on this page, click here to learn more.

In-store Only: No interest for 60 months ^°
⁠On in-store purchases made with your Ashley Advantage® Synchrony credit card. Equal monthly payments required for 60 months. Minimum purchase may be required. Down payment up to 30% may be required on another payment type for in-store purchases.

^{^°}Not combinable with other offers and discounts. If any down payment is required, the qualifying purchase amount is determined prior to any down payment, taxes or delivery. Qualifying purchase amount, less any applicable down payment, must be on one receipt. No interest will be charged on amount financed and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial amount financed, divided by the number of months in the promo period, rounded up to the next whole dollar. 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 7/31/2025 Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Excludes Samsung appliances and electronics. Discounts on Regular Price items may be available depending on the payment method or promotional financing offer you select. For more information on our Regular Price discounts or for additional promotional financing options, see a sales associate for details.

24 Months Special Financing‡* - Online Only
⁠ On qualifying purchases made with your Ashley Advantage® Synchrony credit card. Minimum purchase of $1499 required online.

^‡*Subject to credit approval. Minimum monthly payments required. See www.ashleyfurniture.com for details.

$1 to Start‡^
⁠ ^{‡^“}$1 to start” is available for applications online and in select stores, does not include taxes, & refers to the rental period from agreement start date to 1st scheduled renewal payment. On 1st renewal date, regular rental rates, taxes & fees will apply. Rate, term and total cost vary by item selected. This is not a promotion for a specific transaction/item nor an offer for a loan, credit, or financing. See lease for payment amounts & rental terms. Offer will not reduce the number of payments, total amount to acquire ownership, or purchase option amount. Customers in California will pay a $0 initial rent payment and a $1 processing fee to start.

Email & SMS Welcome Offer: $50 off your next purchase^† — Email Featured
^†Use the promo code provided for $50 off your purchase of $999.99 or more at participating Ashley-branded stores or at checkout on www.ashleyfurniture.com . Previous purchases excluded. Minimum purchase amount must be met in a single transaction before taxes and delivery fees. Cannot be combined with any other offer or discount. Offer excludes clearance/closeouts, floor models, furniture protection plans, warranty, service charges, or Purple, Beautyrest Black®, Sealy Conform™, Tempur-Pedic®, Nectar, Stearns & Foster®, Serta® iComfort®, Sealy® Hybrid™, Serta® Motion Essentials® and Serta® Motion Perfect® product purchases. Offer is nontransferable and does not apply to sales tax, shipping, In-Home Delivery, or handling charges. Prices or offers may vary in Hawaii and Alaska. Ashley-branded stores may be owned and operated by Ashley Global Retail, LLC (or subsidiaries), or independent licensees. See store associate for more details. Offer expires 30 days after coupon issued online at 11:59pm EST.