If you're planning to furnish your home with Ashley Furniture, the Ashley Advantage Credit Card could help you spread out payments and earn rewards. This guide walks you through the application process, eligibility requirements, and tips to improve your chances of approval.
What Is the Ashley Advantage Credit Card?
The Ashley Advantage Credit Card is a store card issued by TD Bank. It can be used at Ashley Furniture HomeStore, Ashley Furniture Outlet, and online. Benefits include special financing offers (e.g., 0% APR for 12 months on qualifying purchases) and rewards points on every purchase. There is no annual fee. The card is designed for U.S. residents who plan to make larger furniture purchases.
How to Apply for an Ashley Credit Card Online
Applying online is quick and convenient. Follow these steps:
Step 1: Go to the Ashley Furniture website (ashleyfurniture.com). Click on "Credit Card" at the bottom of the homepage or look for the banner promoting the card.
Step 2: Click "Apply Now." You'll be redirected to the application page powered by TD Bank.
Step 3: Fill out the application form with your personal information: full name, date of birth, Social Security Number (SSN), residential address, email, and phone number. You'll also need to provide your annual income and employment status.
Step 4: Review the terms and conditions carefully, including the APR, fees, and repayment terms. Check the box to agree.
Step 5: Submit the application. You may receive an instant decision. If approved, your card will be mailed within 7–10 business days.
Tip: Ensure your credit report is accurate before applying. You can check your credit score for free at AnnualCreditReport.com.
How to Apply for an Ashley Credit Card In-Store
You can also apply in person at any Ashley Furniture HomeStore. Simply tell a sales associate you'd like to apply for the credit card. They will guide you through a similar application on a tablet or computer. In-store applications may offer instant approval and immediate use for your purchase.
Bring a valid government-issued ID (driver's license or passport) and be ready to provide your SSN and income details. The associate can also explain current promotional financing options.
Eligibility Requirements and Credit Score Needed
To qualify for the Ashley Advantage Credit Card, you must be at least 18 years old (19 in some states), have a valid SSN, and be a U.S. resident. TD Bank typically requires a fair to good credit score (around 640 or higher). However, approval is not guaranteed, and other factors like income and existing debt also matter.
If you have limited credit history or a lower score, you may still be approved with a lower credit limit or higher APR. Avoid applying if you have recent bankruptcies or delinquent accounts.
Tips for Getting Approved
Improve your chances by doing the following before you apply:
Check your credit score: Aim for at least 640. If it's lower, consider building credit first by paying bills on time and reducing credit card balances.
Reduce debt-to-income ratio: Pay down existing debt to show you can handle more credit.
Apply during a promotion: Sometimes Ashley offers special financing that may have softer credit requirements.
Don't apply too often: Multiple credit inquiries in a short period can hurt your score. Space out applications.
Provide accurate income: Include all sources of income (job, side gig, alimony, etc.) to show you can repay.
Frequently Asked Questions
Q: Can I use the Ashley credit card anywhere?
A: No, it can only be used at Ashley Furniture stores and their websites. It's not a general-purpose card.
Q: What is the APR on the Ashley Advantage card?
A: The APR varies based on creditworthiness but typically ranges from 28.99% to 29.99% variable. Promotional financing offers 0% APR for a limited time.
Q: How do I make payments?
A: You can pay online through the TD Bank portal, by phone, or by mail. Set up autopay to avoid late fees.
Q: Does the card have a rewards program?
A: Yes, you earn rewards points on purchases. Points can be redeemed for discounts on future purchases at Ashley.
Q: What happens if I'm denied?
A: You can call TD Bank's reconsideration line to ask for a review. Alternatively, wait 6 months and reapply after improving your credit.
Final Thoughts
The Ashley Advantage Credit Card is a useful tool for financing furniture purchases if you shop at Ashley regularly. Apply online or in-store with the steps above. Remember to read the fine print—especially the APR and promotional terms. If you have good credit, you'll likely qualify for the best rates. Happy furnishing!