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We are a family owned business with MANY locations and the web to serve you. We have been in business since 1999. We are more than just your average furniture store. We carry furniture, mattresses, home decor & much more! Stop by today or shop online, either way we guarantee you will be satisfied.
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SHOWROOM LOCATIONS

(Waukegan)
ROYAL FURNITURE
847) 263-1236
339 S. Green Bay Rd. Waukegan, IL. 60085

(Evergreen Park)
FURNITURE & BEYOND
(708) 576-8942
2958 W 95th St, Evergreen Park, IL 60805

(Merrillville)
FURNITURE & BEYOND
(219) 951-0464
6162 Broadway Merrillville, IN. 46410

(Niles)
FURNITURE & BEYOND
(847) 470-1200
9505 N. Milwaukee Ave. Niles, IL. 60417


*Flex Pay (NO CREDIT NEEDED)

*Flex Pay (NO CREDIT NEEDED)
Item# FLEXPAY

Product Description

Click to Apply




Get Financed Up To $1200!!! With No Credit Needed
90 DAYS SAME AS CASH

*Flex Pay (NO CREDIT NEEDED)= BAD CREDIT? NO CREDIT? NO PROBLEM!!!
It is pretty simple, you qualify for application if you follow these simple guidelines:

1- Must have a valid personal checking or savings account open in your name.

2- Down payment is required at the time of purchase.






Where do I apply?
You are more than welcome to visit any of our Many locations near the Chicago and Waukegan areas.


What do I need to bring in for the application?
*Must have a valid personal checking or savings account open in your name.
*Down payment is required at the time of purchase


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 13 equal payments (1st payment will be the "down payment" must be paid during the contract signing, then 12 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 customers can then call Flex Pay Plus 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.) - Already have an open, active, Flex Pay account with a unpaid balance. With all that said only FLEX PAY (Kahuna Payment Solutions) will reject your application and not the store location.


Is there any interest?
Flex pay offers 90 day no interest on the 12 month loan. Although it is 90 days same as Cash, you may also save interest the sooner you pay off the loan.







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WAYS TO PAY