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Payroll Deduction

Payroll Deduction Tools

 

All eligible U-M faculty and staff can use this interest-free financing option—now with terms up to 12 months—on any total purchase over $50.

You can order online to reserve products for in-store pickup or to have your products shipped. We also encourage you to review the payroll deduction contract (PDF) prior to purchase. If you are purchasing in one of our stores, please bring your UMID (Mcard or hospital ID) for quickest service.

Payment Calculator

Use this tool to determine monthly payments based on your purchases:

1
Enter the Purchase Price:
$
6% Michigan Sales Tax:
Total with Tax:
Minimum Down Payment:
2
Enter a Downpayment Amount:
$
Balance Due (may not exceed $3000):
3
Select a Number of Monthly Payments:
Your Monthly Payment:

Learn more about payroll deduction below or place an online order.

Frequently Asked Questions

Show All Answers

Program Details

Who can use payroll deduction?

Current regular, non-temporary University of Michigan faculty and staff on all U-M campuses and the medical center can purchase via payroll deduction; please see our eligibility requirements for complete purchasing guidelines and restrictions. Temporary or retired faculty and staff are not eligible for payroll deduction. You may not be eligible if you have an end-dated appointment; we can check this for you.

Are there minimum or maximum amounts allowed?

Yes. The minimum allowable purchase for payroll deduction is $50. There is no upper limit on total purchase amount as long as the balance due via payroll deduction does not exceed $3,000.

Is a down payment required?

Sometimes. Purchases under $500 total do not require a down payment, though you may make one if you wish. Purchases over $500 require a minimum down payment of 10% of the total after-tax purchase price. You may pay more than the minimum down payment on a purchase if you wish. Down payment is due at the time of purchase.

How do I make a down payment?

Down payment is due at the time of purchase and can be paid by credit card, debit card, cash, or cashier’s check; personal checks cannot be accepted. You can choose any amount as a down payment, as long as you meet the minimum requirement for your purchase total and the remaining balance due does not exceed $3,000.

How are payments structured?

The balance due after down payment is deducted in roughly equal monthly payments over the term you choose at the time of purchase.

For bi-weekly employees, payments are taken from the second paycheck of the month.

Payroll deductions may only be paid off earlier than the original contract term under special circumstances. Please contact our Business Manager at 734-764-9216 to discuss options.

Are there any restrictions?

Yes. There are several other caveats each buyer should consider:

As a bi-weekly employee, can I choose to pay more than once a month?

No. The University Payroll Department only processes deductions once per month. For bi-weekly employees, that's always the second payroll in the month.

Requests & Approval

Can I walk in and request payroll deduction in person at the Showcase?

Yes. You can make this request in the store on an inventory available basis. If items are not available at that time, we can create an order and notify you when your products arrive. Your patience is appreciated!

Can I order products online?

Yes. You can place an online order for any product(s) in our catalog and choose:

What does the payroll deduction approval process entail?

This process ONLY verifies employment status with the University of Michigan and eligibility of the customer’s compensation package*.

The approval process does NOT access salary data or determine if salary level is adequate to meet the payment amounts required. Customers are responsible for determining if their paycheck can support the monthly deduction amount.

*Some types of compensation, such as grants and stipends, are not eligible for payroll deduction.

Under what circumstances would a payroll deduction request be denied?

We reserve the right to deny a payroll deduction contract to any customer who has:

Completing Your Purchase

What do I need to do to make a purchase?
What happens if I leave my job before the payment schedule is complete?

You are still responsible for the amount owed to the Computer Showcase. Final paychecks will not necessarily deduct the remaining balance on your payment schedule. Please contact our Business Manager at 734-764-9216 to arrange for final payment. Note that products purchased via payroll deduction remain the property of the University of Michigan until paid in full. Products sold are subject to university rules; violations may result in personnel or criminal actions.