Municipal Employee Purchase Programs

With perks like municipal employee purchase programs, small businesses are always looking for new ways to appeal to customers. LutherSales has been offering such programs since 1967.  Building a positive customer-centric reputation among a key demographic has been a great way to differentiate our brand from all the competition.

Our business model focuses on providing affordable monthly payment plans through municipal employee purchase programs so individuals can purchase high quality products.  Others often focus on discounts, but they don’t have the flexibility to deliver longer term payment plans so people can manage their budget responsibly.  Building goodwill has been our way to create terrific repeat business.

Our Municipal Employees Purchase Program

Just like everyone else, municipal employees have needs. Some people in this group are facing financial challenges due to poor credit ratings and buying experiences.  We know that your products and purchasing services needs will be met through a purchase program for municipal employees. But most people do not think twice about how to benefit from that.

Look around yourself at the businesses that have chosen to enact programs like this and you will see that many of them are thriving. Our purchase programs provide buyers with options on how they want to purchase products.  We have Pay In Full, 6-Monthly Payments, 1-2-3 Year Payment plans.  You can provide opportunities for people who may be credit challenges or they need monthly payroll deduction methods to buy the products they want.

A Unique Purchase Program for Municipal Employees

Major cities can employ thousands and thousands of people. Municipal employees are all around us, doing tough and important jobs. That being the case, LutherSales created unique product buying plans for its municipal employee purchase programs. Our municipal employee customers know that a loyalty purchase program is available and applies specifically to them.  We know that being considerate and aware of your their needs, we find our business growing by “word of mouth,” one of the most important means of free advertising available to anyone.

Attracting Loyal Customers with Municipal Employee Purchase Programs

We look at our municipal employee purchase program as a customer loyalty program.  Offering multiple methods of payment including payroll deduction plans make it easy for customers to buy from LutherSales.  It’s a great business development idea, but it takes time for word to spread. People who use our municipal employee purchase programs benefit significantly from the features built into the tailored plans found within our municipal employee purchase programs.

Overcome The Curse Of Bad Credit – Use Buy Now Pay Later

Recent economic downturns have caused many people to end up with bad credit, but buy now pay later options can allow for important purchases to help improve the quality of life.  As the financial state of the country has been struggling with serious challenges, much of the public has resorted to loans and charge cards to solve everyday purchases. However, the inability to maintain regular payments, whether due to downsizing or lay-offs has caused a rise in poor ratings for many borrowers.

As this has occurred, the buying power of numerous consumers has declined.  This has led to further instability in the retail business market.  In an effort to encourage commerce, LutherSales has been helping customers with bad credit to buy now and pay later through responsible monthly financial plans that are based on work history and not credit scores.

Customer Oriented Business Model

Part of our business model has come from the realization that when individuals with bad credit use buy now pay later programs, it helps prospective buyers by answering the “affordability” challenge.  Our financial and sales assistants help buyers with poor financial history to purchase responsibly.  Buy now pay later programs are not loans or cash advances in the same way that charge cards or pay day loans are calculated.  These contracts often do not consider past financial history for qualification.  LutherSales is not basing financial agreements on bad credit, and buy now pay later is based on current earnings instead.

No More Credit Problems

One of the most common reasons for a poor credit rating is failure to make payments on the traditional lending agreements.  This is one cause of bad credit, which LutherSales buy now pay later contracts can help overcome.  Our methods of providing customers with products actually bypass the possibility of non-payment by setting up automatic withdrawals. The payments can be pulled either from a direct deposit account or directly from payroll.  The result is reduced risk to the Company and assurance for the customer with bad credit that buy now pay later will not further harm their credit scores.

Buy Now Pay Later Plans Help Credit Scores

LutherSales really does have our customer’s best interest in mind.  For individuals who have bad credit, buy now pay later agreements encourage people to purchase high quality furniture, computers, appliances, TVs, etc.  by providing flexible monthly payment plans to fit any budget.  This type of purchase also allows households to maintain a good standard of living.   People can get the products they need in order to remain productive and comfortable.  Removing the stigma of bad credit with buy now pay later options improves society’s wellbeing and encourages long-term economic stability.

Planning Retreats on Credit

Getting away for a few days can help you relax and recharge, and planning out retreats on credit is one of the best options there is for making sure that your getaway becomes a reality. More and more people are taking retreats on credit thanks to the numerous advantages, agreeable terms, and the fact that it helps eliminate stress in a big way.

The Basics – Retreats on Credit are Great

To start with, you’ll need to figure out a couple of basic things. The first is where you’re going. Taking retreats on credit means that you can go almost anywhere, so spend some time looking at your dream destination. Cruises, resorts, ski lodges, quiet cabins in the mountains, and nearly anything else will be possible when you plan out retreats on credit. Think about who you’re traveling with, what you want your trip to include, the more details you collect ahead of time will help ensure a pleasant experience.

Now consider what will be covered by the credit line you need. Usually, accommodations, airfare, cruise tickets, and other large expenses are the focus of credit. However, you should also look into “package deals” that include activity passes, family excursions, and other items. This frees up much of your spending money so you can enjoy yourself. But not all retreats on credit are the same, so be sure that you know what you will have covered and what you won’t to make it easier to plan out accordingly.

Planning Smart Retreats on Credit

There are numerous options out there for those looking to take retreats on credit, and it’s important that you pay attention to every aspect of them. Don’t just take the first deal you see. Look at things like credit amount, what it covers, interest rates, flexibility in payment terms, and more. Also look into what kind of down payment you may need to make.  LutherSales and its affiliate company, Vacationwiser.com provides packaged vacations and retreats with no money down and easy credit terms… even if your credit is not really great.

The reason that taking retreats on credit sometimes gets a “bad rap” in some people’s minds is simply that they didn’t plan smart. As long as you take the time to make the right decisions for your trip, this remains one of the best ways to get away for a few days and really enjoy yourself. It’s all too easy to overlook the fine print in some offers, but not LutherSales as we provide a totally disclosure of all fees, costs, and payment terms.  As long as you plan smart, taking retreats on credit is sure to give you a better, more enjoyable, less stressful, and more memorable trip that you and your travel partners will love.

Rent To Own Furniture Is Hassle Free Comfort

Next to buying a car or a house, furniture is one of the larger ticket item purchases that consumers make and rent to own furniture can bridge the gap between being relaxed and being stressed by finances.  The idea behind rent to own furniture is that you can take it home and use it while payments are being made to the store.  Unlike layaway, which holds the items at the retail location while you send cash and wait for it to add up, rent to own furniture is yours, in the sense that you have it enjoy before it is fully transacted.  This option lets you see your money at work, and provides instant gratification, or fulfillment of need.  If your refrigerator breaks and your credit rating dictates that you have to make all your purchases up front, then you don’t want to have to rely on a plan that has you paying while your food is spoiling.

You Are Your Own Financial Backer

The way that rent to own furniture provides risk free solutions to both the consumer and the vendor is that it works on payment history and not credit ratings.  Your paystubs act not only as proof of income, but also as assurance of ability to reimburse.  This creates a sliding scale scenario, where your monthly charges will be as much or as little as can be afforded by what you make.  To create even more simplicity with rent to own furniture, the remuneration will be taken directly out of your salary, so that you don’t need to worry about accidentally forfeiting on the agreement.  This way, you get the most out of your rent to own furniture and build a good financial standing without stress or worry.

Your Money Does The Work

Rent to own furniture also has the benefit of overall interest figured into the charges that are garnered from your check.  Each payment figures the amount in to the total, so that you know exactly what is owed, and that number stays stable through the duration of the contract.  Instead of accruing over time, the percentage is calculated based on the time span that is chosen, and if you complete the payments early, you will get a reimbursement for doing so.  Rent to own furniture can take the stress out of sudden emergencies like appliance failure and allow you to take care of your household in a timely and affordable manner.

Taking Vacations On Credit

Taking vacations on credit is something that people have been doing in one form or another for years. While the most common option is to use credit cards to take vacations on credit, many others have found that loans or vacation credit companies offer a better choice for them. Vacationwiser if one of those companies.  We not only search for the “best deal”, but also provide monthly payment financing.  No matter what choice of vacation you choose, there’s no doubt that taking vacations on credit offers a lot to love.

Simplifying Your Trip

Taking vacations on credit makes the planning stage a lot easier for everyone. There’s no need to spend months or years saving up cash and hoping that you have enough tucked away to really enjoy the trip. And with the potential cost of vacations rising, there’s a chance that your vacation will always stay a few steps out of reach. But when you plan vacations on credit using Vacationwiser.com, you get the money you need, pay for the trip, and enjoy yourself. Our buy now – enjoy now – pay later plans are great for those who like to pay a simple monthly amount over time.

You don’t have to worry about micro budgeting every aspect of the trip, either. Taking vacations on credit lets you use the money you’ve saved up for having fun while the major expenses are covered by the credit being offered. We help ensure that you actually enjoy your trip instead of stressing over every dollar you spend while you’re on your getaway.

Plenty Of Options

There are so many choices when it comes to taking vacations on credit that you may be overwhelmed, particularly when deciding where to go. You can use credit to take vacations almost anywhere including:

  • Resorts
  • Cruises
  • Ski Trips
  • Theme Parks
  • Beaches
  • Cities
  • And More

In other words, no matter where you want to go, Vacationwiser.com can help you plan your trip without worrying about coming up with the money. People take vacations on credit every day to almost anywhere imaginable.  We offer thousands of destination vacations…

There are several options available for financing your vacation. Credit cards aren’t always the best option since some people may not have the credit limit or acceptable interest rates.  Vacationwiser is unique when it comes to helping plan vacations on credit.  Our purchase programs are straightforward to find one that can offer you the kind of service you need. We even help you plan out your vacation to ensure you get the most from the trip.

Affording a great vacation isn’t as difficult as you might think. Vacationwiser.com helps you take vacations on credit and as such, has become one of the most popular ways to get away for a few days – with good reason.

Even With Bad Credit… Furniture Financing Is Easy

The couch has a permanent indent that matches the contours of your body, but with your bad credit, furniture financing seems like an impossibility.  LutherSales has made it their “business” to provide other options that can bypass your poor credit rating and allow you to relax in peace and comfort again.

We use monthly allotment and payroll deduction programs to help customers make larger purchases, and pay for the items over time.  For people with bad credit, furniture financing through an LutherSales can also remove the stress of having a history check, which can also adversely affect an already shaky score.

No Stumbling Blocks

Many of us know that furniture financing when bad credit is an issue, the seller is essentially a “stumbling block” to making a purchase for a family’s needs.  The idea is that you work out a personal installment payment plan with the LutherSales overcomes the bad credit that impedes financing your furniture in the past.  What is innovative about our approach is the fact that a familiarity between the customer and their employment history can become the basis for furniture financing, and bad credit is no longer an issue.

Try Our Unique Approach

Our sales and financing approach on a socio-economic level, it is also a way to rekindle community business mentality, which builds a greater trust in consumers, and can inspire purchases that may otherwise be put off.  Many big business approaches that are based upon past lending histories preclude individuals from making a current purchase creates an economic decline.  When bad credit impedes furniture financing, then no further money is going into the market.  We have found the idea of store based furniture financing for bad credit purchasers is a service offered by few.


LutherSales adopted this business model as a way of helping people with bad credit finance furniture and as such, we have found that not only have our sales increased, but we have also evoked long-term loyalty with customers.  The trust that happens between us and our customers has made for a strong company.  Our return customers know that they will be treated fairly and responsibly, and this leads to long-term relationships.  The new sofa becomes an appreciated realty since even with bad credit, furniture financing is now possible.

Some New Homeowners Face Financing Furniture with Bad Credit

Buying a home is an exciting experience, but it also creates a responsibility base that is made more difficult after going through a bank loan process.  So when it comes time to furnish the new house, some owners are hit with financing furniture with bad credit.  The act of getting a mortgage will help to raise scores over time, so long as there are no delinquencies on monthly payments.  But directly after getting approved, the borrower often discovers that they need financial help other than using a credit card to assist them in financing furniture with bad credit.

Moving to Your New Home Brings Challenges

For those moving into a newer, and larger, space, filling the rooms is not just an aesthetic choice but a needs-based decision as well.  Upgrading from a rental apartment can mean that the furnishings have not transferred with you, since they were a part of the former domicile.  Combine this with the fact that many Americans have been negatively impacted by the U.S. economy during the past few years, finding themselves in financial constraints.  Thus, financing furniture on bad credit becomes a necessity and not just a decision to redecorate.  LutherSales offers purchase programs tailored to this segment of the market.  Therefore, this can open up a renewed excitement that would otherwise have been staunched by trying to finance furniture with bad credit.

Contracts that Fit Your Financial Situation

Retailer payment plans that are not based on national banking loan rates offer flexibility and a wider scope of budgeting.  This can turn financing furniture with bad credit into simply getting the items you need without worry.  Our Personal Shoppers help customers choose exactly the payment terms that fit into their monthly financial schedule.  This creates a freedom for financing furniture on bad credit, rather than a fear.  LutherSales’ plans will vary according to what can be afforded on a long-term basis, rather than what can be paid for on the spot.  There are also options to update these contracts over time, so that if employment or financial status changes, adjustments may be made.  Overall, this type of agreement will actually help credit score rating, so that financing furniture with bad credit can become and investment in future buying power.


Use Our Buy Now Pay Later Tablets Purchasing Program

Mobile devices are wonderful tools.  Buying a computer tablet using our buy now pay later tablets program can put limitless productivity and amusement in the palm of your hand in almost an instant.  This technology not only takes the idea of portability to new heights, but also increases social connections and digital capacity.  In general, the ability to simply download entertainment and services makes the product a self contained system.  LutherSales’ buy now pay later tablets contribute to this idea of immediate connection by making the merchandise ready to own when you want it.

We offer special purchasing programs that help those individuals who cannot pay with a credit card or cash.  Our buy now pay later tablet plans give you the chance to buy responsibly and financially manage everything that will give you the most from your new purchase.

Bundle Power Using Buy Now Pay Later Tablet Purchases

For anyone who has experience with innovations in technology, you have probably found that it is not always as simple as buying one item to facilitate usage. There may be a number of computer related pieces that become a necessity, depending upon how and where you use your buy now pay later tablet.  Some of the most common pieces that are purchased over time are chargers, memory cards, and cases.  These can add up, and make acquiring a mobile device cost far more than the original list price.  Our product merchandisers put together bundles so our buy now pay later tablets can offer you options that include everything needed in the same transaction.  The full amount you will be spending is evenly broken up over a period of time.  Bundling your buy now pay later tablet also gives you the ability to discover in advance what other accessories might be essential for optimal use.

Something New Every Day

Handheld computers are making advances all the time.  LutherSales buy now pay later tablets offer the most recent models in a fashion that you can afford.  Instead of waiting for a version to go on sale, and possibly already be obsolete, you can purchase our latest model buy now pay later tablets now.   This includes releases from different manufactures and the most recent operating systems or processors.  Even on the day it launches, a new device could be in your possession right away.  You will not need to wait for the product you want, since payment plans make buy now pay later tablets affordable immediately.

State Government Employee Discounts – A Responsible Way to Purchase

Like many Americans, state government employees have been having a very difficult time as of late, so state employee discounts and responsible purchasing programs are more relevant than ever. Many states human resources departments are looking to the private sector to assist their employees in making purchases of furniture, computers, TVs, etc.  With the economy is experiencing a lot of turmoil, state government employees can no longer be as sure as they once were of a paycheck, and they are looking for ways to make purchases using other than credit cards and cash.   LutherSales provides a program that has been tailored to the needs of state government employee discounts and buying programs.

Use Our State Employee Purchase Program

Although the size of local governments differs widely, all states have employees in every role that is found in the private sector. States continue to provide many important opportunities to their employees; however, when it comes to providing financial programs like LutherSales’ State Employee Purchase Program, they do not have the charter to do so.  We believe our responsible purchasing programs provide a unique way for many in state government to purchase household furniture, computers, TVs, etc.

State Employee Furniture Purchases with Special Buying Plans

Many states work with retail furniture companies who offer special purchase programs for state employees.  Many times the state government employee is not looking for the lowest discount, rather, he or she is searching for an organization that can finance their purchase without taking into consideration the employee’s past poor credit situation.  It is important that these state employees have the opportunity to make responsible purchases and use their state allotment program for payment.  LutherSales provides specific purchase programs to meet the needs of state employees.

It’s Important to Us to Provide State Government Employee Discounts

In today’s difficult economic and political climate, LutherSales stands out among its peers in providing one of the most flexible purchase programs for state government employees.  Over time, we have built a solid reputation for providing financing options to state government employees needing personal purchasing options.  We have been offering purchasing programs to the military, unions, and state government employees for many years.  It is an integral part of our business model.

Looking for a Good Employee Purchase Program

Everyone wants to maximize their purchasing power by reducing the amount of money they spend on various different kinds of purchases, and participating in an employee purchase program can help. There is nothing wrong with being financially “strapped for cash”. As a matter of fact, many people nowadays need alternative methods to purchase items for family and household.  That being the case, LutherSales offers employee purchase programs that will help you make the purchases you need and want.

Employee Purchase Program Considerations

If you are near the beginning of your career, you will probably find that there are many different employee purchase programs from which you might benefit. A very wide variety of different organizations make such basic buying programs available in order to attract the most effective young professionals possible. However, this is not the sole provenance of such people or such organizations. LutherSales was founded on providing employee purchase programs as an alternative to those people who have cash flow challenges and need an extended payment plan to purchase certain products.

Finding Appropriate Purchase Programs for Employees

Naturally, you might not want to change employment if you are fairly pleased with your current company or organization. However, there might be certain special circumstances that will drive you to consider such a change. For example, if an employee purchase program might allow you to own products for your family, you may look at that program as an additional benefit on top of your existing compensation.

You do not have to pay in order to participate in LutherSales’ employee purchase programs.  Your company arranges for us to provide you with the information and you have the full individual choice of whether or not you want to take advantage of the program.

You Can Truly Make Things Better with the Right Purchase Program for Employees

Generally speaking, there is no requirement that you report purchases under an employee purchase program to any external body or person. There may be certain situations in which an employee purchase program can, for example, provide you with exactly the solution you need to be able to purchase products for your family.

Some of LutherSales customers have been purchasing from us for over 10 years.  This is due to the convenience of our payroll deduction plans and the quality of products we offer. Many families are especially well positioned for using employee purchase programs to make a big difference with their monthly financial needs.