Pay over time at Ashley

Ashley sells home furniture, mattresses, rugs and home decor online and in stores. We confirmed PayPal Pay Later and Acima here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

PayPal Pay Later

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 PayPal Pay Later is set up on the store’s website

Store offer, minimum and plan lengths are from Ashley’s website. APR and credit check are PayPal Pay Later’s general terms.

All PayPal Pay Later stores and terms

Lease-to-own

Acima

Cost
About 2x cash price
Credit check
Soft pull

Checked Nov 10, 2026 The store’s website says it offers Acima

Store offer, minimum and plan lengths are from Ashley’s website. Cost and credit check are Acima’s general terms.

All Acima stores and terms

What a plan could cost

Example: Beautyrest Level Two Medium Firm Pillow Top 14.75 in. Queen Mattress at $1,199.00 (price on Nov 10, 2026), paid monthly over 12 months with PayPal Pay Later financing, where the store offers it.

PayPal Pay Later Pay in 4: 4 payments of $299.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$99.92$1,199.00$0.00
19.99%$111.06$1,332.76$133.76
35.99%$120.45$1,445.38$246.38

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at Ashley

  1. Add what you want to your cart on ashleyfurniture.com.
  2. At checkout or on the store’s financing page, choose PayPal Pay Later or Acima.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Ashley financing

Does Ashley offer financing?

Yes. We confirmed PayPal Pay Later and Acima at Ashley on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Ashley affect my credit score?

PayPal may run a soft credit check for Pay Later, which does not affect your score. Pay Monthly loans may be reported to credit bureaus.

Can I use PayPal Pay Later in an Ashley store?

We checked online shopping at Ashley only. If the store has physical locations, ask there whether financing is available.

More stores: Furniture & mattresses

All furniture & mattress financing stores

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