Wisetack vs. Aqua Finance

Financing your customers apply for, see and accept on their own.
Customers review every term in writing on their own phone before they say yes, so your team can focus on the job, not the paperwork.
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Trusted by home service businesses across the country

Wisetack vs. Aqua Finance at a glance

Wisetack
Aqua Finance
Built for home services contractors
Merchant handles no sensitive customer data
Customer applies on their own device
Applications are submitted by the dealer through Aqua's Dealer Portal
Multiple personalized loan options in one application
Up to 8 offers tailored to the customer's credit profile
Financing plans are selected and submitted through the dealer
True 0% APR
0% APR installment loans that never accrue interest
Promotional plans such as "same-as-cash" may charge interest if the balance isn't paid in full by the end of the promotional period
Published, predictable merchant fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Dealer pricing and promotional plan fees not publicly stated

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 Aqua Finance website as of October 2026 and are subject to change.

TALK TO WISETACK

Wisetack vs. Aqua Finance at a glance

Features

Wisetack
Aqua Finance

  • Built for home services contractors

  • Merchant handles no sensitive customer data

Customer applies on their own device
Applications are submitted by the dealer through Aqua's Dealer Portal

  • Multiple personalized loan options in one application

Up to 8 offers tailored to the customer's credit profile
Financing plans are selected and submitted through the dealer

  • True 0% APR

0% APR installment loans that never accrue interest
Promotional plans such as "same-as-cash" may charge interest if the balance isn't paid in full by the end of the promotional period

  • Published, predictable merchant fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Dealer pricing and promotional plan fees not publicly stated

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 Aqua Finance website as of October 2026 and are subject to change.

TALK TO WISETACK

Join the tens of thousands of contractors already offering Wisetack

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Clear terms
Customers see their monthly payment, APR, term and total cost on their own device before accepting, which means fewer surprises and fewer callbacks to your office.
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0% that stays 0%
Wisetack's 0% APR options never accrue interest, so there's no deferred-interest bill at the end of a promo period tied to your business name.
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Offer financing on projects up to $65K
Larger Loans for high-ticket home services jobs provide 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

Relative to other lenders, Wisetack was the easiest to facilitate. Others had complex options, with dealer fees up to 22%. With Wisetack, I love that the payout has been within 2 days every single time.
Joe Fuentes
S & J Plumbing

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
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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
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Frequently asked questions

Who fills out the financing application, my team or the customer?
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Is Wisetack's 0% APR the same as a "same-as-cash" or deferred-interest plan?
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What does Wisetack charge my business?
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How long does it take to get paid?
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How does Wisetack financing work?
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What do we need to sign up?
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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.