Posts Tagged ‘payroll deduction’

3 Reasons Why You Should Consider Municipal Employee Purchase Program

Bad Credit Furniture Financing Is Possible

Bad credit furniture financing can be a headache, and this is something that anyone with bad credit can attest to. Furniture is something that every family needs in their home, for both the look and function of the space, and this means that even those with poor credit will need to find a way to get their furniture as well. At Luther Sales, we want to help those with bad credit to get the furniture they need, via our Municipal Employee Purchase Program that is designed specifically toward municipal government employees.

Financing Furniture Easy With MEPP

There is no such thing as a minimum credit qualifications for our buy now pay later Municipal Employee Purchase Program, instead we look at your most current work status to determine the credit limit that fits comfortably into your budget level. We use various methods to ensure we can provide furniture to as many customers as possible, and one of these may be a great fit for you and your furniture need.

So even if you do have bad credit, our furniture financing is available to you in the form of either payroll deduction, or allotment. These plans are different from our usual financing plans as they’re made for those with poor credit or no credit at all, and they can still allow you to take home your furniture today while making payments over a length of time.

If we can’t obtain a desirable credit furniture financing limit for you, then you may still be able to get the financing you need but with a down payment. The down payment for your furniture may have a minimum percentage, but your down payment may be the ticket to taking home the furniture you want with the financing you require.


MEPP To Help Build Your Credit

Our Municipal Employee Purchase Program for those with bad credit can help you to improve your credit in the future. If you’re in the process of rebuilding your credit after a credit issue, opting for a furniture financing plan crafted for bad credit can be of some service. Building credit is a strenuous and long process, and each step makes an impact in the overall goal of finally having decent credit once again, so furniture financing to improve your bad credit may be a worthwhile option for you.

At Luther Sales, our finance program gear toward municipal employee is in place to help us to say yes to more customers, getting them the furniture they need just when they need it.

State Employee Purchase Program at LutherSales – Luxury Made Easy


Written by: Luther Team

Everyone wants to maximize their purchasing power by reducing the amount of money they spend on various different kinds of purchases, and participating in LutherSales’ State 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  State Employee Purchase Programs that is designed to specifically help state level government employee make the purchases you need and want.

State 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 State 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 State Employee 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’ State Employee Purchase Programs.  Your state agency/department 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 who happens to be state or federal employees 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 our State Employee Purchase Programs to make a big difference with their monthly financial needs.

 

 

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.

Win-Win

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.

Taking A Vacation On Credit

Many people don’t even think that taking a vacation on credit is possible. It’s common to assume that credit is something reserved for purchasing a home or car, but in reality credit can be used for pretty much anything and taking a vacation on credit is something that’s a lot easier than you might suspect. Doing so with Vacationwiser.com lets you plan out a much better vacation than you might have otherwise been able to afford, makes it easy to enjoy yourself, and simplifies the process in most cases.

Take the First Steps

To get started, you’ll want to figure out just what you need from a vacation on credit. Are you looking for an adventure or a relaxing trip to unwind? Do you need a romantic getaway or a family vacation? As with any type of vacation, the first thing to do when planning a vacation on credit is determine just where you’re going.

Once you do, you’ll need to figure out what aspects of the trip need to be paid for with credit. Taking a vacation on credit has plenty of flexibility. Vacationwiser.com allows you could take out a credit loan that pays for the entire thing, only cover the accommodations and travel, or combine different things to pay for what you need on credit and leave some to be paid for in cash. Determine what you want to cover when you plan your vacation on credit and figure out just how much credit you need.

Securing The Right Credit

Not all creditors are created equally, and you’ll want to make sure that if you’re taking a vacation on credit that you do it the right way. This begins with determining whether or not you’ll qualify for the credit you need. There are numerous options but Vacationwiser offers easy purchasing through payroll deduction or payment allotments.

Now be sure to pay attention to the terms and conditions. Our Vacationwiser staff makes every vacation purchased fit every budget.  Our low monthly payment plans make it easy for you to focus on your vacation and not on the financing.

That’s really all there is to it. If you’ll spend a few minutes planning out the trip with a Vacationwiser advisor and then make sure you understand the terms of the credit, taking a vacation on credit is a simple process that will unlock plenty of fun for you and others who may join you.

Shopping Responsibly with LutherSales

We all want to buy things that will make life more comfortable, more exciting, and more convenient. We all want the most fashionable furniture, the latest gadgets, and even some time to “get away” with friends and family. With today’s economy, it’s not always easy to have all this and pay for it responsibly — luckily, LutherSales.com is here to help!
LutherSales gives its customers purchasing power based on their employment, not their credit history. Because of this policy, LutherSales sees all of its customers as individuals and not as numbers, which helps them to create a responsible plan to help you get all the items you want and need. That way, you can live the life of luxury you deserve — and still handle your finances responsibly!
With LutherSales.com, you can get the latest gadgets for you and your loved ones, such as a new iPad or the latest Kindle without spending too much at once! Even major purchases such as furniture or appliances can be financed in a way to help you truly afford the payments.
And being tight on cash, even in today’s economy, shouldn’t prevent a family from taking a vacation together and making memories to last a lifetime. That’s why LutherSales’ VacationWiser program helps people take their dream vacations responsibly!
If you have a job, you deserve to be able to buy the things you want and need without worrying about going into debt. Fill out a LutherSales application today and get started!

We all want to buy things that will make life more comfortable, more exciting, and more convenient. We all want the most fashionable furniture, the latest gadgets, and even some time to “get away” with friends and family. With today’s economy, it’s not always easy to have all this and pay for it responsibly — luckily, LutherSales.com is here to help!

LutherSales gives its customers purchasing power based on their employment, not their credit history. Because of this policy, LutherSales sees all of its customers as individuals and not as numbers, which helps them to create a responsible plan to help you get all the items you want and need. That way, you can live the life of luxury you deserve — and still handle your finances responsibly!

With LutherSales.com, you can get the latest gadgets for you and your loved ones, such as a new iPad or the latest Kindle without spending too much at once! Even major purchases such as furniture or appliances can be financed in a way to help you truly afford the payments.

And being tight on cash, even in today’s economy, shouldn’t prevent a family from taking a vacation together and making memories to last a lifetime. That’s why LutherSales’ VacationWiser program helps people take their dream vacations responsibly!

If you have a job, you deserve to be able to buy the things you want and need without worrying about going into debt. Fill out a LutherSales application today and get started!

LutherSales and Unions: A Trusted Partnership

At LutherSales.com, your eligibility doesn’t depend on a credit score; it depends on your work history. If you have been on your job for 2 years or more, you may be eligible to  purchase the furniture, appliances and electronics you need with a payment plan you know you can afford — because it’s based on how long you’ve been with your employer!

Since 1967, LutherSales has had a program that provides this great service specifically for union and association members! The Luxury Made Easy Employee Purchasing Program allows union employees to easily purchase big ticket merchandise that may not otherwise be available to them. Responsible purchasing with affordable monthly payments. In fact, with this program, customers can eliminate the stress and hassle of remembering to write checks and make payments by allowing the monthly cost to be paid by sponsored payroll deduction, voluntary direct deposit or payment allotments!

For over 45 years LutherSales has been helping union and associations increase their purchasing power and get the quality household items they desire! Find out more. LutherSales helps put more luxury in your life.

March Madness Furniture Sales

LutherSales is celebrating March Mania.  Order now and receive a free 40″ Panasonic LCD HDTV with the purchase of selected room packages.  LutherSales has the furniture brands you know and love like Ashley, Broyhill, Stanley, American Drew, Klaussner and many more.

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Leather has never been so affordable with this contemporary DuraBlend Match 6-Piece Combo Package featuring blended leather and upholstery in the seating areas. Package includes sofa, loveseat, 3-piece table set and 40″ Panasonic LCD HDTV.

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Maybe you’re looking to create the ultimate sanctuary. Check out this 7-Piece Contemporary Bedroom Package featuring deep black finish accented with subtle golden brown undertones.

Now you can enjoy Luxury Made Easy! on terms you can afford, with the ease and convenience of payroll deductions. You choose your payment option, which give you control of  your budget.  Low monthly payments, world class customer service and free nationwide delivery.  LutherSales wants to create the ultimate shopping experience for you.

Contact an account manager today and ask about the March Mania specials or visit luthersales.com and see all of the beautiful selections.  Fine furniture, bedding, appliances, electronics, computers and more, LutherSales has exactly what you need on the terms you can afford visit us today and see for yourself.

Get Moving, Get Fit, Get Your Gear

You’ve made up your mind to get in shape, but you dread having to go to the gym everyday. Also people are looking for more economical ways to crate your better body. Luthersales has the perfect solution. Create the ultimate fitness gym right in your home.

Exercise Equipment From LutherSales.comExercise Equipment From LutherSales.com

Searching for the perfect home fitness equipment is not an easy task, you want well known equipment that will last for more than a few years at a reasonable price. Luthersales offers you just that, all on terms you can afford. Check out the fitness equipment selections at luthersales.com. Get moving, get fit and get your gear at Luthersales.com

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Vacations Made Easy! Vacationsoncredit.com

Luthersales introduces VacationsOnCredit.com. The newest and easiest way to choose and enjoy that luxury vacation that you always dreamed of.

Ultimate Vacation

VacationsOnCredit.com is a unique program that offers you cruises and resort hotels all over the world for the ultimate vacation of a lifetime.  You can take your cruise and resort vacation together, or you can cruise now and use your resort vacation at a later date.  Your Vacation, Your Way!

Luxury Resortscarnival-cruise_ship

This program is unlike others that charge you a monthly fee for being a member.  There is no membership fee or club to join.  Qualification for our Easy Credit terms depends on your employment, with a minimum of two years for government employees and four years with the same employer for employees in the private sector. VacationsOnCredit.com offers unmatched variety, convenience, fun and affordability through the convenience of payroll deduction or allotments.

You are three easy steps away from the vacation of a lifetime. Here’s how it works:

Choose Your Package

Choose a vacation package plan.  Swift Getaway, Break from Reality, or Broaden Your Horizons.  You then will be given a login that will show your destination options.

Pick A Destination

Choose from top luxury resorts across the US and Internationally. Locations may include Hawaii, Florida, Nevada, South Carolina, Mexico, Australia and Europe. VacationsOnCredit.Com works with many of the popular cruise lines including Carnival, Royal Caribbean, Norwegian, Princess Cruise Line, Celebrity and Holland America.

Make Three Payments & Pack Your Bags

Your package will include your Cruise and Resort Certificates, the Destination Guide, Resort Guide and Program Guide, all enclosed in a beautiful travel wallet. With VacationsOnCredit.com your travel insurance is included, and your vacation package is 100% refundable.

Sunset Walk

Your dream vacation is now more attainable that ever! Let VacationsOnCredit.com help you plan the ultimate vacation. Have  a question? Contact us now at vacations@luthersales.com or call us at 1-800-358-6466.

Isn’t it time for you to take a no-worry vacation? Call today!

Voluntary Employee Purchasing Program That Works!

There is a new way for employers to offer their employees a program that will help to improve productivity and morale while offering their employees the opportunity to obtain that much sought after work-life balance.

The Ultimate Voluntary Employee Purchasing Program from LutherSales can help employers achieve that with no cost and no liability. With the increasing reduction of credit to consumers, it is getting harder and harder for the average person to obtain the necessities for themselves or a growing family.  LutherSales The Ultimate Voluntary Purchasing Program allows employees to purchase furniture, bedding, appliances, computers, TV’s, electronics and even luxury vacations, while making manageable and responsible payments through payroll deduction, allotments, or electronic debit.

The payment terms are flexible, the employee is in control of what their budget can afford, and the payroll deduction gives the employee the ease, convenience and the responsibility of making their payments timely. This allows the employee not to worry about their financial situation, which alleviates stress and allows them to be more productive at work.

A simple solution that is a win, win for everyone. So if you’re an employer looking for a new and exciting benefits program check out The Producers- The Ultimate Voluntary Purchasing Program and see how Luthersales can help at no additional cost to your existing benefits program. Contact our national account manager today for more information.  LutherSales is luxury made easy.