Wisetack vs. Acorn Finance

Keep financing—and your customer—connected to the job
Offer customers personalized payment options while getting paid directly for completed work.
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Trusted by home service businesses across the country

Wisetack vs. Service Finance at a glance

Wisetack
Acorn Finance
No credit impact to check eligibility
No signup or subscription cost
Funds go directly to the merchant
Funds go to the borrower first, who can then shop around or spend elsewhere — a risk of losing the job to a competitor
Consistent application process
One Wisetack experience from application through transaction confirmation
Requirements and final approval process may vary by the selected lender
Minimum financing amount
$500 minimum
$1,000 minimum
True 0% APR availability
0% APR options available
No 0% APR offers
One consistent application experience
Single, tailored offer flow
Matches borrowers with different third-party lenders, each with its own requirements — adding steps and complexity
Predictable transaction fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Minimum APR is 6.49%, with an average over 20%

All brand names and trademarks are the property of their respective owners and are used for informational purposes only. Feature comparisons are based on publicly available information as of July 2026 and are subject to change.

TALK TO WISETACK

Wisetack vs Acorn Finance at a glance

Features

Wisetack
Acorn Finance

  • No credit impact to check eligibility

  • No signup or subscription cost

  • Funds go directly to the merchant

Funds go to the borrower first, who can then shop around or spend elsewhere — a risk of losing the job to a competitor

  • Consistent application process

One Wisetack experience from application through transaction confirmation
Requirements and final approval process may vary by the selected lender

  • Minimum financing amount

$500 minimum
$1,000 minimum

  • True 0% APR availability

0% APR options available
No 0% APR offers

  • One consistent application experience

Single, tailored offer flow
Matches borrowers with different third-party lenders, each with its own requirements — adding steps and complexity

  • Predictable transaction fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Minimum APR is 6.49%, with an average over 20%

All brand names and trademarks are the property of their respective owners and are used for informational purposes only. Feature comparisons are based on publicly available information from the Acorn Finance website as of July 2026 and are subject to change.

TALK TO WISETACK

Join the tens of thousands of contractors already offering Wisetack

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Keep financing tied to your project
With Acorn, the money goes to the customer first — which can mean losing the job to a competitor, even one you referred the customer to.
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We're built for the trades — Acorn is a marketplace built for lender matching
We offer more predictable dealer fees and a simple loan product, so reps don't need to compare offers across multiple lenders or have a different loan experience with each customer.
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Offer financing on projects up to $65K
Larger Loans for high-ticket home services jobs, provides the same simple pay-over-time experience on more of your work.
† Source: Wisetack merchant survey, Jan 2025

What businesses are saying

When we provide a customer with a quote for their project, Wisetack automatically shows up as an option and they can see the various rates and terms they qualify for. It’s really simple to use, they don’t need to go to an outside source to apply, and it’s a quick approval process.
Branden Sewell
Seal Pro Painting

What businesses are saying

Customers find it impressive to see that we work with a financing team that can offer them great rates... One customer even said Wisetack offered them a better rate than their own bank did!
Brooke Duvall
Green to Ground

What businesses are saying

The fact that Wisetack was integrated into a job just made it that much more appealing." ... "With other providers, it's a laborious process to get customers approved — or sometimes just to get paid for a job.
Jeremy Langley
Langley Roofing
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Wisetack is leading the pack

Inc 5000 award banner
Ranked #21
2024 Inc. 5000
Best Embedded
Lending 2025
Ranked #15
2024 Deloitte 500
Want a simpler way to offer financing?
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Frequently asked questions

How does the Wisetack merchant application process compare to Acorn Finance?
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Does Wisetack pay my customer directly, like Acorn does?
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How does Wisetack financing work?
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How is Wisetack different from other consumer financing options?
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What do we need to sign up?
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How long does it take to get paid?
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What loan amounts can customers qualify for?
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What are your consumer rates and terms?
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What home service industries does Wisetack support?
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Have even more questions? Contact us. We’re always happy to talk.

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $5,500 purchase could cost $253.54 per month for 24 months, based on a 9.9% APR, or $1,833.33 per month for 3 months, based on a 0% APR. Offers range from 0 to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lending partners participate in 0% interest programs. Terms range from 3 - 120 months and may vary based on merchant, lending partner, or transaction size. State interest rate caps may apply. No prepaid finance charges or participation fees. See additional terms at wisetack.com/faqs.

†Terms from 3 to 120 months are available for qualifying merchants. Some merchants offer terms from 3 to 60 months.