Ashley Furniture Financing

Getting new furniture in today’s economy can be tough, especially if you have a mediocre job that just pays your bills. However, this doesn’t mean you can’t get the pieces of furniture you want for the price you’re willing to pay. Some of the best pieces of furniture on the market today are created by the Ashley company, and many furniture stores offer easy to use financing that will get you on track for paying a furniture note you can afford, no matter your income. In fact, even if you have poor credit, many companies are willing to work with you for Ashley furniture financing for a new living room suite, a new dining table, or just about any other piece of furniture you need for your home.

When applying for a new furniture financing loan, there are a few things you should consider. The financing company will look at your credit history, so you need to make sure you have decent credit before applying for a regular financing loan. If you have bad credit, this doesn’t make it impossible to get a loan, but it will be harder, and you should expect to pay higher interest prices. The normal bad credit rate is around 20% and you’ll need to have proof of a job and a checking account. Then you’ll be put through the loan process which could take around a week.

If you’re approved, you’ll be given a loan and put on a financing plan that you can afford for your furniture. This financing plan could be anywhere from 12 months to 72 months, depending on your purchase and how much interest you’ll be charged. Overall, this is the best way to go if you’re looking to get a new suite of furniture in your home without having to pay upfront. In fact, financing is a great way to build your credit as well, as long as you are making your payments online, you’ll be building your credit while getting the things you need, thus improving your quality of life for future purchases on larger items like a car or even a house.