How Ashley Furniture HomeStore bill pay works
Ashley Furniture HomeStore offers several ways to pay your bill: online through your account, by phone, by mail, or in-store. The method you choose depends on what's most convenient for you and how quickly you need the payment to post.
If you financed your purchase through Ashley Furniture's credit card or payment plan, you'll receive a bill or statement showing what you owe, when it's due, and the minimum payment required. The due date is typically 21 to 25 days after your statement closes, though this varies by the type of account you have.
Payments made online or by phone usually post within one to two business days. Mail payments take longer — typically five to seven business days from when the company receives them. If you're close to your due date, paying online or by phone reduces the risk of a late payment being reported to credit bureaus.
Key Takeaways
- You can pay online through your Ashley Furniture account, by phone, by mail, or in person at a store location.
- Online and phone payments post within one to two business days, while mailed checks take five to seven business days to reach the company.
- Your statement shows your due date, minimum payment, and any interest charges that apply to your account.
- Late payments can be reported to credit bureaus if they are 30 days or more past due, which affects your credit score.
- If you miss a payment, contact Ashley Furniture immediately to discuss your options before the account goes to collections.
Paying online through your Ashley Furniture account
Log in to your Ashley Furniture account on their website or mobile app. Look for a "Pay Bill" or "Make a Payment" option in your account dashboard. You'll be asked to enter the amount you want to pay and choose your payment method — debit card, credit card, or bank account transfer.
If you pay by bank account (ACH transfer), there is typically no fee. Credit and debit card payments may carry a convenience fee, usually between 2% and 3% of the payment amount, though this varies. The company should disclose the fee before you confirm the payment.
After you submit your payment online, you'll receive a confirmation number. Keep this for your records. The payment should post to your account within one to two business days, though it may take longer if you pay on a weekend or holiday.
Paying by phone or in person
To pay by phone, call the customer service number on your bill or statement. A representative will ask for your account number and the amount you want to pay. They'll take your payment information — debit card, credit card, or bank account details — and provide a confirmation number.
Phone payments typically post within one to two business days. Like online card payments, phone payments by credit or debit card may include a convenience fee.
You can also pay in person at any Ashley Furniture HomeStore location. Bring your bill or account number and the payment method you want to use. In-store payments are processed immediately, though it may take one to two business days for the payment to show on your account.
Paying by mail
Your statement includes a payment coupon with a mailing address. Write a check or money order for the amount due, include the coupon, and mail it to the address shown. Do not send cash through the mail.
Mail payments take significantly longer to post than online or phone payments. The company typically needs five to seven business days after receiving your check to process and post it to your account. If you're mailing a payment close to your due date, account for this delay — the due date is when the payment must be received, not when you mail it.
Keep a copy of your check or money order receipt and the payment coupon for your records. If your payment does not appear on your account within 10 business days of mailing, contact customer service with your confirmation details.
Understanding your statement and due dates
Your Ashley Furniture statement shows your account balance, the minimum payment required, and the due date. It also lists any interest charges, late fees, or other charges applied to your account during the billing period.
The minimum payment is the smallest amount you can pay to keep your account in good standing. Paying only the minimum means you'll pay more interest over time, because the remaining balance continues to accrue charges. If you can afford to pay more than the minimum, doing so reduces the total interest you'll pay and shortens the time it takes to pay off the purchase.
Your due date is typically 21 to 25 days after your statement closes. A payment is considered late if it is not received by this date. Some companies offer a grace period of a few days, but you should not rely on this — treat the due date as the deadline.
What happens if you miss a payment
If your payment is not received by the due date, your account will be marked as late. The company may charge a late fee, which is added to your balance. The amount of the late fee varies and should be listed in your account agreement or on your statement.
A payment that is 30 or more days late can be reported to the three major credit bureaus — Equifax, Experian, and TransUnion. This negative mark stays on your credit report for up to seven years and can lower your credit score, making it harder and more expensive to borrow money in the future.
If you miss a payment, contact Ashley Furniture customer service as soon as possible. Explain your situation and ask what options are available. Some companies offer payment plans or temporary relief if you're experiencing hardship. The sooner you reach out, the more options you may have before the account is sent to a collection agency.
Automatic payments and payment plans
Many Ashley Furniture accounts allow you to set up automatic payments. This means the company withdraws your payment from your bank account or charges your card on a date you choose — usually around your due date. Automatic payments reduce the risk of forgetting to pay and incurring late fees.
To set up automatic payments, log into your account online or call customer service. You'll provide your bank account or card information and choose the payment amount and date. You can change or cancel automatic payments at any time, though you should do this before the scheduled payment date if you want to stop a specific payment.
If you financed your furniture through a promotional offer — such as 0% interest for 12 months — check your statement to see when the promotional period ends. After the promotion expires, interest charges begin on any remaining balance. Setting up automatic payments ensures you don't miss the deadline to pay off the balance interest-free.
Frequently Asked Questions
Is there a fee to pay my Ashley Furniture bill online?
Paying by bank account transfer (ACH) typically has no fee. Paying by credit or debit card usually includes a convenience fee of 2% to 3% of the payment amount. The fee is shown before you confirm the payment, so you can see the total cost.
How long does it take for my payment to show up on my account?
Online and phone payments post within one to two business days. Mail payments take five to seven business days after the company receives them. In-store payments are processed immediately but may take one to two business days to appear on your account.
What happens if I pay after the due date?
Your account will be marked late, and you may be charged a late fee. If the payment is 30 or more days late, it can be reported to credit bureaus and damage your credit score. Contact the company immediately if you cannot pay by the due date.
Can I set up automatic payments on my Ashley Furniture account?
Yes. Log into your account online or call customer service to set up automatic payments from your bank account or card. You choose the payment amount and date. You can change or cancel automatic payments anytime before the scheduled payment date.
What should I do if I'm having trouble making my payment?
Contact Ashley Furniture customer service before your payment is late. Explain your situation and ask about payment plans or temporary relief options. The sooner you reach out, the more options may be available to you.