Flex Pay Plus is a no credit check finance service.
It is pretty simple, you qualify for application if you follow these simple guidelines:

1- Must be employed, or have a steady source of income.
(SSI, Public Assistance, Self Employment)

2- Must have a valid checking or savings account in your name. Must be opened for a minimum of 6 months.

3- Down payment amount must be available in your bank account for withdrawal at time of purchase/application.
(down payment amount given at time of application, never exceeding $187.00)

4- A pay stub-not necessary, but it speeds the verification process up.

(Flex Pay Plus bank account verification form)

If you do not use checks, click the form link above, print it out, and take it to your bank. This form verifies that the checking or savings account is yours.
Have it filled out and you may bring it to the store at time of application.

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 our store at:
245 S. Mattis Avenue Champaign, IL 61821 or
103 E. Main Danville, IL 61832
Currently we are not accepting online applications.

What do i need to bring in for the application?
-A Valid form of ID (drivers license, passport, consular cards all accepted as form of ID) -A voided check in your name (if you do not have checks, You may print a bank account verification form from above for you to take to your bank, they can fill it out) - a pay stub helps but is not necessary.

How much credit can I receive?
The maximum credit allowed is $1200.00 total. (includes tax and delivery)

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 (1st payment is the "down payment," then 11 equal monthly payments)

How are the payments made?
The payments are electronically deducted 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!

Can I change the date of deduction from my bank account?
The first payment (down payment) will be deducted immediately from your account. Once the application has been fully approved, the customer can then call Flex Pay Plus (Kahuna Payment Solutions) and change the payment date going forward.

Will this help my credit?
If all payments are collected in a timely manner, yes! Good credit is reported!

What are terms for denial?
-Any false information on application.(false income, employment history, docs, 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?
Yes, it takes 7 business days for processing and verification. 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