• Can I use Purchasing Power?
• Can I pay cash for my order instead of having payments taken from my paycheck?
• Can I make another purchase while still paying for a previous order?
• Can I refinance my purchase during the life of the contract?
• Can I change the amount to be deducted from my paychecks?
• Is there any penalty for pre-payment or early pay-off?
• Can I extend my re-payment period?
• Can the program be set up as pre-tax deductions?

Can I use Purchasing Power?
If your employer or organization offers Purchasing Power, then you can register for a free member account. Once you?ve registered, log in and go to Program Information and view the eligibility requirements. If your employer or organization does not offer Purchasing Power, click here to tell your HR about this employee purchase program.

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Can I pay cash for my order instead of having payments taken from my paycheck?
If you have cash, going directly to the retailer is your best option. If you do not want to use cash or credit, then Purchasing Power is the best way to buy. With Purchasing Power, it is easy to budget since manageable payments come out of your paycheck in equal installments. Paying via payroll deduction ensures you do not miss a payment.

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Can I make another purchase while still paying for a previous order?
This depends on your purchase policy set by your employer or organization. In either case, there are spending limits applied that, on average, range from 6.5% to 7.5% of your annual salary.

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Can I refinance my purchase during the life of the contract?
No, you will not be able to refinance your purchase.

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Can I change the amount to be deducted from my paychecks?
The deduction amount is based upon the fixed monthly repayment plan. You can arrange to have a larger amount deducted if you wish to pay off early, but you cannot reduce your payment amount.

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Is there any penalty for pre-payment or early pay-off?
No, there is no penalty for paying off an order early. In fact, paying off an existing order, may allow you to place another order, if there are limitations in the number of orders you can place at one time.

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Can I extend my re-payment period?
No. The re-payment period is designed to make purchases affordable so you won't have payments strung out for several years, and you won't incur ballooning interest charges.

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Can the program be set up as pre-tax deductions?
No, the Purchasing Power program cannot be set up as pre-tax.

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