Financing at GAC Furniture and Mattress in Orange County

At GAC Furniture & Mattress, we work with several financing companies to make your purchase as simple and accessible as possible. As with any large purchase, most of our customers choose to spread out their payments in order to be able to get the products that best suit their long term needs. We offer several financing options including:

  • No interest if paid in full within 12 months (subject to credit approval and minimum order)*
  • $0 Down
  • Easy Credit
  • No Credit Needed

*Most of our customers choose to get pre-approved for financing before even visiting the the store. This allows them to shop with confidence, knowing that they can take home their purchase today with little to no out-of-pocket cost.

Our main financing option is through Synchrony Bank. They offer by far the best terms if approved. Due to their terms, you must apply for this option in-store, with a valid photo ID. Some of their highlights are:

  • 12 months no interest ($900 minimum order)
  • 6 months no interest ($600 minimum)
  • Open line of credit to use with GAC Furniture – no more applications

Contact us to schedule a time to come in and apply.

EasyPay Financing offers easy approvals, even if you have poor credit.

  • Can be approved with FICO of 500 or more
  • Minimum Financed amount $350
  • 90 Days No Interest
  • Must have valid checking account and credit or debit card
  • Reports good payments to the credit bureaus (can help build/improve credit)
  • Will not show inquiry on credit report


Westcreek Finance is not credit based. Many customers with major credit issues can be approved for this lender if they meet the basic criteria.

  • Must have valid checking account and credit or debit card (open at least 90 days)
  • No negative balances on checking account for at least 30 days
  • Must have been on same job or permanent income (SSI, Permanent Disability, etc.) for at least 6 months
  • Must earn at least $1,000 per month
  • Minimum Financed amount $300
  • 100 Days No Interest
  • Will not show inquiry on credit report
  • $40 Processing Fee (paid at time of purchase)