How to sell big jobs with low monthly payments

Big jobs are great for your business. They’re also the hardest ones to close.

A new roof, HVAC replacement, window upgrade, or backyard project can easily run into the five figures. Even when a homeowner wants the work, the price tag can make them pause.

That’s why monthly payments matter.

Wisetack now offers 7- and 10-year loan terms for qualified borrowers. Longer terms lower the monthly payment, which makes big jobs feel a lot more doable.

Why longer terms matter in home services

A lot of home improvement work isn’t an emergency; it’s a planned upgrade.

Your customer might be thinking about:

• A kitchen refresh that finally matches how they use the space
• New windows for comfort, quiet, and curb appeal
• A backyard upgrade built for hosting
• A premium floor replacement
• A roof replacement they can stop thinking about for the next twenty years

Even when a customer can pay upfront, they might not want to. Plenty of homeowners prefer to keep cash available and spread the cost out over time, especially for larger projects. Monthly payments make it easier to say yes to the upgrade now, without tying up savings all at once.

Longer loan terms are one of the simplest ways to give customers that flexibility, without discounting your work or cutting corners.

Introducing 7- and 10-year* loan options from Wisetack

Wisetack now offers 7- and 10-year loan terms for qualified borrowers, in addition to the terms your customers already see.

The goal is simple. More options lead to lower monthly payments, which makes it easier for customers to move forward. 

The biggest benefit: lower monthly payments on big jobs

When a customer sees a total job cost of $12,000, it can feel overwhelming.

When they see that same job as a monthly payment, it becomes easier to evaluate.

That shift matters because it helps customers focus on the monthly cost, instead of getting stuck on the total.

In fact, Wisetack has seen that simply offering terms up to 10 years can increase conversion by 13%, even when borrowers ultimately choose another option¹. 

That’s a powerful insight. Sometimes the longer term is not what the customer chooses. It’s what gives them the confidence to move forward.

Why longer terms help you close more big deals

In home services, the biggest jobs are often the most valuable.

They also come with more friction:

• The customer needs time to think
• They want to compare bids
• They may need to talk with a spouse or family member
• They are weighing how they want to pay for the project

Longer loan terms reduce that friction by making the monthly payment more manageable.

Wisetack has seen that these longer terms often bring big jobs under $200 per month, depending on the customer’s credit profile and the loan amount. 

For many homeowners, that is the difference between “We need to wait” and “Let’s do it”.

Longer terms can also help you close faster and get paid sooner

Closing the job is the goal. Getting paid is the finish line.

When customers are offered longer terms, Wisetack has seen the time from application to origination drop significantly.

On average, offering longer terms can cut the time to close big jobs by about a third². 

In other words, customers move from considering options to booking the job to paying you faster.

And the larger the job, the bigger the speed advantage.

For example:

• $8,000 to $15,000 jobs close in about 10 days instead of 14
• $15,000+ jobs close in about 15 days instead of 19 

What this means for your business

If you are a home services business using Wisetack, longer loan terms can help you:

1) Sell bigger jobs‍

When monthly payments feel manageable, customers are more likely to approve larger scopes of work.

2) Win more deals

Even if the customer chooses a shorter term, seeing a longer option can help them feel like they have control.

3) Close faster

Fewer stalled decisions means fewer jobs stuck in limbo.

4) Get paid sooner

Shorter time to origination means cash hits your account faster.

How to pitch monthly payments without sounding salesy

A lot of businesses hesitate to bring up financing because they don’t want to make customers uncomfortable.

That instinct is understandable, but here’s the reality: 

• Customers are already thinking about how they want to pay.
• You are helping them by giving them options.

The simplest approach is to make monthly payments part of the estimate conversation, the same way you’d talk about timeline, materials, or warranty.

Here is a pitch that works well:

If the customer shows interest, you can go one step further:

That is a proven approach, and it is consistent with what top sellers recommend. 

Use the payment calculator to make it real

Monthly payments are more persuasive when they are specific.

That’s why Wisetack offers a payment calculator you can use to show what payments might look like for a typical job.

If you’re talking to a customer about a $12,000 job, it takes just a few seconds to pull up the calculator and show a range of monthly options.

You can also use the calculator as a marketing tool on your website so customers can explore monthly payments before they call. 

How to market low monthly payments and win more leads

Financing doesn’t just help you close jobs. It can also help you generate more leads.

Here are two simple ways to market low monthly payments:
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1) Add the payment calculator to your website

When customers can explore monthly payments on their own, they are more likely to reach out.

This is especially effective for big-ticket categories like HVAC, roofing, windows, and major renovations.

Our marketing toolkit shows you how.
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2) Add your prequalification link to customer emails

If you send estimates or follow-ups by email, include a line like:

This gives customers a clear next step and keeps the conversation moving forward.

Common questions about 7- and 10-year loan options

What does my customer need to qualify for these options?

Wisetack considers a number of factors in approval decisions. The 7- and 10-year options will typically be available to customers with strong credit profiles. Many customers will continue to qualify for 3- and 5-year options. 
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What APRs will customers see?

There’s no change to APRs. APRs range from 0% to 35.9%*, depending on the term selected and the customer’s credit profile. 
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Is there any additional cost for merchants?

No. The transaction fee remains a flat 3.9% per transaction. 
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Do I need to do anything to turn these on?

No. Qualified customers are already seeing these options. 
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Where can I see typical monthly payment examples?

You can use the Wisetack payment calculator to see typical monthly payments for common job sizes. 

Final takeaway: more options help customers say yes

Big jobs are where home services businesses grow.

If you want to sell bigger jobs consistently, monthly payments need to be part of the conversation.

With Wisetack’s new 7- and 10-year loan options, qualified borrowers can see even lower monthly payments. That means fewer stalled decisions, faster closes, and a better experience for customers.
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If you haven’t already, this is a great time to:

• Review your marketing materials
• Update your terms available to “3-120 months”
• Add the payment calculator to your website
• Start pitching monthly payments on every big job
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