Life is unpredictable. The right benefit can help.
Purchasing Power is a voluntary benefit provided by employers that lets employees purchase essential items and pay over time through easy payroll deductions. Don’t see it at your workplace? We’ll help you share it with HR.
Request InfoWhen life happens, we've got your back.
A flat tire. A broken appliance. A computer needed for work or school. When life interrupts your budget, we’re here with a responsible option that doesn’t rely on high-interest credit or hidden fees.
No credit check. No hidden fees. Pay right from your paycheck.
Since 2001, Purchasing Power has helped millions of employees get the essentials they need without taking on additional debt, high-interest credit, hidden fees, or complicated payment terms.
Access thousands of products
Browse essentials like electronics, tires, furniture, and home goods from trusted brands delivered right to your door.
See your total cost upfront
View the full price before you buy with no interest, no late fees, and no unexpected charges added later.
Make payments that fit your budget
Use a personalized spending limit and predictable payroll deductions to stay in control and avoid overspending.
Value-added tools to support your financial confidence.
Extra resources to help you spend smarter, save more, and stay on track as life happens.
Financial health support
Connect with trusted local organizations offering financial assistance and cost-saving programs when you need them.
Live 1:1: financial coaching
Speak directly with certified coaches for guidance on budgeting, credit, debt, and major financial decisions.
Smart grocery savings hub
Access discounts, savings tips, and weekly deals that help ease and stretch your grocery budget further every month.
Purchase responsibly. Reduce stress. Build confidence.
No credit checks required
Eligibility is based on employment, not credit score or credit checks. With Purchasing Power, your credit isn’t impacted when you make a purchase.
No hidden or added fees
With automatic payments and transparent pricing, the amount you see at checkout is exactly what you pay with no hidden or added fees.
Personalized spending limits
Your spending limit is designed to reasonably fit your paycheck so you can purchase items, stay on budget, and avoid overspending.
Predictable payments built for you
Pay in predictable installments automatically deducted from each paycheck over 6 - 12 months. Making it easier to stay in control.
Sign up in minutes. Direct delivery. Pay over time.
Getting started is fast and easy. If your employer offers Purchasing Power, you can sign up in minutes and start using Purchasing Power right away.
Sign up for free
Create your free account and unlock instant access to Purchasing Power.
Purchase what you need
From everyday essentials to household necessities, browse a wide selection of products and services.
Enjoy your items as you pay-over-time
Enjoy your purchases right away while making automatic, manageable payments through payroll deduction.
Get to know your options.
Purchasing Power is a hassle-free alternative to credit cards, high-interest loans and buy now, pay later services.
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Real people. Real impact.
Top FAQs
Want to learn more about Purchasing Power? Explore our FAQs for quick answers on our program, eligibility, and how it works.
See All FAQsAny employee who meets eligibility requirements based on tenure and salary is automatically qualified – there is no credit check. Eligible employees can register through the Purchasing Power website at any time and view our online catalog.The employee will know the total price upfront and how much will be deducted from each paycheck over a 6- or 12-month period. Orders are processed for timely shipment, and payments are deducted from the employee’s paycheck and remitted back to Purchasing Power.
Purchasing Power is not a discount program. In fact, some of our prices are higher than those you’ll find at large retailers. There are a couple of reasons for this. We don’t charge interest, so program costs are built into the prices of items we sell. Plus, we add warranties to most products to help keep you protected.
You can buy with us if:
- Your organization offers our program as a benefit: If your organization is listed in the Sign up form, you can register at any time.
- You meet the program requirements for your group: Normally this means meeting a minimum for age, salary, and time with your organization. Each company has its own program requirements. You can see the program requirements for your group through My Account in Eligibility & Program Information.
No finance charges--we mean it. With Purchasing Power, you can pay for purchases over time with fixed, regular payments. We don’t charge interest, and we let you know how much you’ll pay right up front.
If you have an open order with us and change jobs, we’ll work with you directly to figure out a payment plan. We don’t charge extra fees, so the amount you’re paying won’t change.
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