NOW OFFERING 90 DAYS SAME AS CASH!
Flex Pay Plus is a no credit check finance service.
It is simple, quick, and everyone is approved provided that they have ...
An Income, - Applicant must be employed, or have a steady source of income provable with a pay check stub, SSI award letter, or other government income tax documents.
A Bank Account, - Applicant must have a valid checking or savings account in their name that has been active open for a minimum of 6 months.
A Valid and Current Government Issued Photo ID, - A driver's license, ID Card, or a passport are all valid forms of identification.
And A Down Payment, - A down payment amount must be available in cash, check, or credit card at the time of the application.
(down payment amount given at time of application, the monthly payments never exceed $185.00)
(Flex Pay Plus bank account verification form - CLICK HERE)
Before we can begin the application, your bank account information must be verified buy printing the form linked above and getting it filled out at your bank.
FAQs:
Where do I apply?
What do i need to bring in for the application?
How much credit can I receive?
Do I have to make a certain amount of income to qualify?
How many payments are there?
How are the payments made?
Are there any pre-payment penalties? Can I pay it off early?
Can I change the date of deduction from my bank account?
Will this help my credit?
What are terms for denial?
Is there a processing wait time?
Is there any interest?
Where do I apply?
You come into any of our locations at:
245 S. Mattis Avenue Champaign, IL 61821 or
103 E. Main Danville, IL 61832
What do I need to bring in for the application?
- A Valid form of Photo ID (drivers license, passport, etc. It must be government issued and have your picture on it)
- A pay check stub or other proof of income
- The bank account verification form
How much credit can I receive?
The maximum credit allowed is $1200.00 total (including tax). If your total purchase price exceeds this amount, you simply need to pay down to the $1200.00 limit before the application can be created. You have the option to pay it down all at once or make lay-a-way installments until the limit is reached.
Do I have to make a certain amount of income to qualify?
No, there is no income qualifier.
How many payments are there?
There are 12 equal payments in addition to the down payment. The pay scale is as follows:
Purchase Price Down Payment 12 Monthly Payments
$ 300 45.96 45.93
$ 900 137.76 137.77
$1200 183.72 183.69
How are the payments made?
The payments are electronically debited from your checking or savings account monthly.
Are there any pre-payment penalties? Can I pay it off early?
There are no pre-payment penalties. You are actually encouraged to pay it off early! The sooner you pay it off the more interest you will save! Additional fees may apply.
Can I change the date of deduction from my bank account?
The down payment is made at the time of the application. Two weeks after the application has been fully approved, the customer can then call Flex Pay Plus (Kahuna Payment Solutions) and change the payment date going forward. Additional fees may apply.
Will this help my credit?
If all payments are collected in a timely manner, yes! Good credit is reported! The account must remain active for at least 3 months.
What are terms for denial?
- Any false information claimed on the application. (false income, employment history, documentation, expired identification, etc.)
- Down payment comes back as NSF
- Already have an open, active, Flex Pay account with a unpaid balance.
Is there a processing wait time?
If all the proper paperwork is in order, approval takes less than an hour if the application is created during the week before 3:00 PM. After that you are completley approved and on your way to enjoyed fine quality furniture from This Is It Furniture!
PLEASE COME IN FOR DETAILS OR CALL US AT 217.351.5102 (Champaign) or 217.516.8508 (Danville)
