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Make sure your billing and shipping addresses are up to date before ordering

Check Spending Limit
Log in and click on “My Account” (at bottom of page) to view your spending limit

Pay Down Balances
Have your full spending limit available this holiday season—pay off existing balances now


Every year around this time, stores start promoting “free” layaway as a convenient way to purchase holiday gifts…but is layaway really the best option for you?

Here are five reasons why shopping with Purchasing Power is better—and more budget-friendly—than layaway:

  1. You don’t have to wait. We ship your order upfront, so you don’t have to finish paying off your balance before taking your gift home.
  2. Pay over 6 to 12 months. With most layaway plans, you only have 8 to 12 weeks to pay for your items. With our program, more time to pay means smaller payments that fit into you budget.
  3. Get the gifts they want. Layaway is often only available for select items; you can buy any of the products on our site and pay for them over time.
  4. Simple, straightforward pricing. At Purchasing Power, the price you see is the price you pay. That means there’s zero interest and no hidden fees.
  5. Stress-free, automated payments. Since your payments are automatically deducted from your paycheck, there’s no need to set reminders or worry about paying your bill on time.

So, what do you think? Are you ready to give a better way™ to buy a try?

You can learn more about our program—and how it works for you here.