Ashley HomeStore is one of the largest furniture retailers in the United States and one of the highest-volume Progressive Leasing partners. If you're planning a major furniture purchase — a bedroom set, a sectional, a dining room, or furnishing an entire home — Progressive Leasing at Ashley is a common path for shoppers who don't qualify for the Ashley Advantage credit card or prefer to avoid traditional financing.
What You Can Lease at Ashley HomeStore
Ashley HomeStore's Progressive Leasing coverage extends across the store's full durable furniture inventory:
- Bedroom sets: King, queen, full, and twin bedroom collections including bed frame, dresser, nightstands, and chest
- Living room: Sofas, sectionals, loveseats, recliners, coffee tables, end tables, TV consoles, and accent chairs
- Dining rooms: Dining table sets, buffets, bar stools, and dining chairs
- Home office: Desks, office chairs, filing cabinets, and bookcases
- Mattresses and Ashley Sleep products: Ashley's own mattress line and third-party mattress brands
- Youth furniture: Bunk beds, kids' bedroom collections, and study desks
- Home decor and accessories: Rugs, wall art, lamps, and accent pieces (typically when bundled with furniture)
- Outdoor furniture: Patio sets and outdoor collections at participating locations
How to Apply at Ashley HomeStore
You have three paths to apply for The lease-to-own program at Ashley:
1. Apply in-store at Ashley HomeStore
The most common path is to shop at the store, work with an Ashley sales associate to select your furniture, and apply for The program at checkout. The associate can start the application at the point of sale.
2. Apply online at Ashley's website
AshleyFurniture.com and Ashley HomeStore website offer Progressive at checkout for online purchases. Select The provider at the payment step and complete the application within the checkout flow.
3. Pre-apply directly
Apply at progleasing.com or through the It mobile app, selecting Ashley HomeStore as your retailer. Once approved, you'll be issued a spending amount you can use at Ashley locations or online.
Application Requirements
- Age 18 or older
- Valid Social Security Number or ITIN
- Active checking account with routing and account numbers
- Credit or debit card for the initial payment
- Verifiable source of income
- Residence in a state where The company operates (excludes MN, NJ, WI)
Progressive Leasing vs Ashley Advantage Credit Card
Ashley offers its own credit card (Ashley Advantage) alongside The LTO program. The two products serve different customers:
| Feature | The service | Ashley Advantage Card |
|---|---|---|
| Credit requirement | No credit history required | Approval based on credit |
| Product type | Lease-to-own agreement | Revolving credit card |
| Promotional financing | Not applicable (LTO) | 0% APR promo on qualifying purchases (subject to terms) |
| Best for | Shoppers with limited credit who can execute 90-day payoff | Shoppers with good credit taking advantage of 0% APR promo |
If you qualify for the Ashley Advantage card's 0% APR promotional financing and can pay off within the promo window, that's typically the lower-cost path. The lease-to-own program is the appropriate alternative when you don't qualify for the store card or when the promo terms don't fit your situation.
Cost Example: Furnishing a Bedroom
Assume you're purchasing a $2,500 bedroom set at Ashley HomeStore using The program:
| Payoff Path | Approximate Total Cost |
|---|---|
| 90-day early purchase | ~$2,625 (about 5% above cash price) |
| 6-month early purchase | ~$3,250 |
| 12-month standard term | ~$4,250+ |
Illustrative only. Your actual amounts are disclosed in your Progressive lease agreement.
Ashley-Specific Considerations
- Delivery timing. Ashley furniture often requires delivery scheduling. Your The provider first payment is due 10+ days after delivery, so if delivery is delayed, your payment schedule shifts.
- Delivery charges. Ashley delivery is not always included in the It amount — confirm before signing.
- Custom orders. Custom-order or made-to-order furniture typically has longer delivery windows. Progressive Leasing accommodates this, but confirm the lease start date reflects actual delivery, not order date.
- Store promotions. Ashley runs frequent promotions. The Progressive Leasing amount reflects the actual sale price at time of purchase, so shopping during a sale reduces both your payments and 90-day payoff amount.
- Returns and exchanges. If you need to return or exchange furniture, contact Progressive Leasing customer service first — they coordinate the return with Ashley.