Does Ashley Furniture Have Layaway? Everything You Need to Know

If you’re wondering does Ashley Furniture have Layaway, you’re not alone. Many shoppers want flexible payment options to manage large furniture purchases without straining their budget. Layaway programs allow customers to reserve items and pay over time before taking them home, which can be especially helpful for big-ticket items like sofas, dining sets, or bedroom furniture.

Ashley Furniture and Layaway Options

While Ashley Furniture offers a variety of financing and payment solutions, it’s important to note that their standard policy does not include a traditional layaway program in most locations.

Instead, they provide alternative ways to make your purchases more affordable:

• Ashley Advantage Credit Card: This option lets you finance your furniture with low monthly payments and promotional offers.
• Special Financing Offers: Depending on the promotion, you may find options such as 0% interest for a set number of months.
• In-Store Payment Plans: Some Ashley Furniture locations may have unique in-store programs to help customers spread out payments.

What is Layaway and how does it work?

A layaway program is an alternative for retail store credit card purchases. Consumers are able to pay in installments when they make large purchases through a layaway plan. During the 1990s, layaway plans faded into near obscurity.

A layaway plan is also a financial repayment plan, where you can make a $125 down payment and would be required to pay the entire $500 by paying $50 every two weeks when you want to purchase a $500 television through a layaway plan.

The customer cannot take the television home and the store takes the television off the selling floor so that no one else can buy it until the customer pays the entire purchase price. Some retailers usually charge a layaway fee, in return for offering a layaway plan. The fee may be a percentage or a flat rate of the full purchase amount.

How to buy furniture on layaway : A Step by Step guide

Buying furniture on layaway can be a smart way to manage your budget while still getting the pieces you want. Whether you’re shopping for a new sofa, dining table, or bedroom set, understanding the process ensures a smooth and stress-free purchase.

Research Local and Online Retailers

Start by calling local furniture stores, such as Ashley Furniture, to see if they offer a layaway program. Many larger retailers may not have traditional layaway, but some smaller or specialty stores still do.

• Online Options: Specialty online furniture retailers often have layaway plans or flexible payment programs. Since these stores have lower overhead costs, they may offer better terms and fewer restrictions.
• Compare Offers: Check multiple stores to compare layaway policies, fees, and payment schedules.

Understand the Terms and Conditions

Before committing, ask the retailer for a copy of their layaway agreement. This document will outline:

• Payment schedule and deadlines
• Total price of the furniture
• Any additional fees or service charges
• Conditions for cancellations or refunds

Knowing these details upfront helps prevent surprises and ensures that you are comfortable with the agreement.

Ask About Additional Costs

Some layaway plans include extra fees for services such as delivery or installation. Make sure to clarify whether these charges are required upfront or can be added to your payment schedule.

Make Your Initial Down Payment

Layaway usually requires a small initial deposit to reserve the item. Once this is paid, the retailer will hold the furniture until your payments are complete.

Stick to Your Payment Schedule

Consistency is key when using layaway. Missing payments can result in penalties or even losing your reserved furniture.

TIP: Set reminders for each payment to avoid late fees and ensure your purchase stays on track.

Complete Payment and Arrange Delivery

Once you’ve paid the full amount, schedule delivery or pickup with the store. Some retailers will handle delivery directly, while others may require you to arrange it separately.

Enjoy Your New Furniture

After the final payment and delivery, your furniture is officially yours to enjoy. Using layaway allows you to spread out costs while securing the exact pieces you want without going into credit debt.

Why Consider Financing Over Layaway

Financing through Ashley Furniture can sometimes be more convenient than layaway. With financing, you can:

• Take your furniture home immediately rather than waiting until full payment is made.
• Access larger promotions or discounts that may not apply to layaway purchases.
• Build credit history if payments are made responsibly through a credit account.

Tips for Shopping at Ashley Furniture

Even though traditional layaway may not be widely available, you can still manage your furniture purchases effectively:

• Check Local Stores: Policies can vary by location, so it’s worth asking your local Ashley Furniture store about any temporary layaway or in-store payment options.
• Plan Your Budget: Use the financing calculator on Ashley’s website to determine what monthly payments would look like.
• Sign Up for Promotions: Keep an eye on seasonal sales or special financing offers for additional savings.

Does Ashley Furniture Have Layaway?

Headquartered in Arcadia, Wisconsin, Ashley Furniture Industries, Inc. is a furniture manufacturing company. Ron and Todd Wanek are the father and son team that owned this company. For many years, Ashley Furniture distributes and manufactures home furnishings throughout the world.

So does Ashley Furniture have a layaway?  Yes, you can visit their store or call them for more information about their layaway plan at Ashley Furniture. Before placing your order, measure the area you plan to place your new furniture to avoid delivery day disappointments.

There are many quality home furnishings at Ashley Furniture. In order to create furniture styles that will complement any decorating style, the design and engineering teams of Ashley Furniture are dedicated.

Through the kiosk-style credit center located right in the store, you can obtain finance from Ashley Furniture as they provide adequate credit. Depending on the purchase amount, Ashley Furniture Homestore will give promotions that offer 0 percent interest for 24-36 months.

If you’re asking does Ashley Furniture have Layaway, the general answer is that they typically do not offer traditional layaway programs. However, they provide several financing options that achieve similar flexibility, allowing you to pay over time while enjoying your furniture immediately. Always check with your local store for the most accurate information on payment options.