Turn financial stress into financial strength.
Help your employees access what they need responsibly, reducing stress, protecting savings, and helping them stay focused at work.
Talk to an Expert
No cost. No liability. No obligation.
Disciplined, responsible, and transparent, Purchasing Power has partnered with employers for more than 25 years to strengthen their total rewards strategies. We help empower over six million employees to budget more predictably, avoid high-interest credit card debt, and build financial discipline for lasting peace of mind.
Designed for large essential, unplanned purchases
Purchasing Power makes it easy for employees to access everyday essentials and household items from thousands of trusted brands.
Made to integrate easily with your payroll processing system
Our program integrates seamlessly with benefit administration and payroll systems, aligning with existing workflows to enable easy payroll deduction.
Built to help prevent debt and financial hardship
We offer a responsible alternative to high-cost, high-interest options with built-in safeguards like spending limits that help prevent overspending.
Created for clear, total cost of ownership
When cash or credit are not an option, employees can purchase confidently knowing the price is final at checkout with no hidden fees or credit checks.
When life happens, employees need flexible options.
This is your opportunity to make a meaningful impact on your team’s financial wellness. Purchasing Power provides employees with a responsible way to manage essential or unexpected expenses when cash or credit aren’t available. Here’s how it works:
Expertise designed for your success.
From setup to ongoing awareness and every touchpoint in between, we have teams dedicated to ensuring you experience the value and impact of Purchasing Power.
Fast setup and launch
Our implementation specialists coordinate with Payroll, HR, and IT to quickly get Purchasing Power up and running in as little as a week.*
Ongoing support you can trust
Our Client Success team manages your co-branded website, handles secure file transfers and payroll data so you can focus on your people.
Strategic partnership for results
From day one, your dedicated account manager helps drive engagement, measure success, and identify opportunities to maximize impact.
Communication that ensures awareness
We work with your team on the right cadences of communications that keep employees informed about the program so that they know it's there when they need it.
Empowering essential employees across 25+ industries
With more than 25 years of experience, we understand what today’s workforce needs and what HR teams expect. Our programs deliver measurable value to wellness program offerings in industries where engagement and retention matter most.
Reduce stress and help teams stay focused on safety and productivity.
Help employees stay engaged and deliver better customer experiences.
Support staff well-being so they can stay focused on patients care.
Strengthen financial wellness so teams stay engaged and deliver their best.
Real people. Real impact.
“This is the best ROI ever because it costs nothing and your employees will love it.”
“If someone is struggling to buy what they need and they don’t have the money to purchase it, this [Purchasing Power] is the perfect option for them.”
“We’re pleased with how Purchasing Power not only supports financial wellness but contributes to employee wellness.”
Top FAQs
Looking for more information about Purchasing Power? Explore our FAQs for quick answers on eligibility, ordering, payments, and how we help your workforce reduce financial stress.
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.
No. Purchasing Power is not a discount program, and typically does not sell at a lower price than other major retailers which predominantly require upfront payment. For discount programs, purchases are made with credit or debit cards to buy products directly from such retailers.
Not designed for everyone, Purchasing Power serves those who may be under-resourced and lack access to cash and affordable credit. Purchasing Power also serves employees who prefer to shop through our curated website or desire the convenience of automated payroll deduction.
Purchasing Power implements spending safeguards to protect employees from overspending, including spending limits and product price monitoring. Spending limits for employees average approximately 7%-9% of an employee’s salary.
No. The total product pricing includes the product and any warranties or accessories added; minus any promotional discount such as our 20% off an employees’ first purchase.
At this time, we currently work with U.S. payroll systems only.
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