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Flexible financing, made simple

LOWEST MONTHLY PAYMENT

9.99% APR with 60 fixed monthly payments*

On purchases made with your CITY HOME VIP Credit Card 1/1/2026 – 12/31/2026

Best for customers who want predictable monthly payments over a longer period.

9.99% APR — fixed for the full 60-month term
No minimum purchase required
No down payment required
Valid 1/1/2026–12/31/2026 · subject to credit approval

*Qualifying purchase amount must be on one receipt. Interest will be charged, on the promo purchase balance, from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.1242% of initial promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

18 months - No Interest if paid in full within 18 months*

On purchases of $1,495 or more made with your CITY HOME VIP Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Minimum monthly payments required.

Best for customers who want extra time without paying interest when paid within the promotional period.

0% interest if paid in full within 18 months
Minimum purchase $1,495 (excludes tax and discounts)
No down payment required
Valid 1/5/2026–12/31/2026 · subject to credit approval

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

EVERY DAY OFFER

6 or 12 months - No interest if paid in full within 6 or 12 months*

On purchases made with your CITY HOME VIP Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.

Best for customers planning to pay off purchases more quickly.

No interest if paid in full within 6 or 12 months
No minimum purchase required
No down payment required
Valid 1/1/2026–12/31/2026 · subject to credit approval

*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

CITY HOME VIP Perks

No annual fees¹

Get these benefits with no annual fee¹

No down payments²

At time of purchase with special financing²

Easy monthly payments³

12, 18, & 60 months financing on qualifying purchases³

Up to $1000 in statement credits⁴

Earn exclusive cardholder savings on a qualifying purchase when shopping participating events⁴

Exclusive VIP access to special events⁵

Early access to sales, and exclusive cardholder-only savings⁵

Free upgrade to same day delivery⁶

Get your order faster with a free upgrade on in-stock orders⁶

All it takes are 3 easy steps

1. Pre-qualify

Apply in just under 60 seconds and get an instant decision.

2. Get approved

Your credit score is completely protected during the process.

3. Start shopping

No waiting. Create the home you want right now.

SPECIAL FINANCING

PAYMENT CALCULATOR

Need help planning your budget? Use the Synchrony Bank calculator to get an idea of your monthly payments.

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Frequently Asked Questions

General Questions

New Customers

Existing Customers

Yes, we have the CITY HOME VIP Credit Card.

CITY HOME offers customers a credit card through Synchrony Bank with a revolving credit limit to use again and again at cityhome.com, at CITY HOME retail locations, and at Ashley HomeStore showrooms in Fort Myers, Miami, and West Palm Beach media markets. Find a CITY HOME showroom to use the CITY HOME VIP Credit Card.

You can apply online or at any of our participating retailer locations. Click here to apply online or here to find your nearest participating store location.

Once your purchase has been completed at CITY HOME or participating Ashley HomeStore locations, that promotional purchase balance will appear on your next billing statement, and you will be required to make the (minimum) monthly payments per your financing promotion.