Wisetack vs. Enhancify

Get paid directly, with no membership fees ever.
Offer customers personalized payment options in one simple application, and pay only when a financed job closes.
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Wisetack vs. Enhancify at a glance

Wisetack
Enhancify
No signup, subscription or membership fee
Annual membership required, owed whether or not customers finance
Funds go directly to the merchant
Lenders deposit funds with the customer, and the merchant collects payment afterward
Consistent application process
One Wisetack experience from application through transaction confirmation
Customers pre-qualify, then complete the chosen lender's own application, which may include a hard credit pull
True 0% APR availability
0% APR options available
0% options are largely intro-rate credit cards that can revert to a standard card APR
Merchant handles no sensitive customer data
Customer applies on their own device
Customer applies through the marketplace
Published, predictable merchant fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
No per-loan dealer fee, but membership tiers and pricing vary

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 Enhancify website as of October 2026 and are subject to change.

TALK TO WISETACK

Wisetack vs. Enhancify at a glance

Features

Wisetack
Enhancify

  • No signup, subscription or membership fee

Annual membership required, owed whether or not customers finance

  • Funds go directly to the merchant

Lenders deposit funds with the customer, and the merchant collects payment afterward

  • Consistent application process

One Wisetack experience from application through transaction confirmation
Customers pre-qualify, then complete the chosen lender's own application, which may include a hard credit pull

  • True 0% APR availability

0% APR options available
0% options are largely intro-rate credit cards that can revert to a standard card APR

  • Merchant handles no sensitive customer data

Customer applies on their own device
Customer applies through the marketplace

  • Published, predictable merchant fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
No per-loan dealer fee, but membership tiers and pricing vary

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 Enhancify website as of October 2026 and are subject to change.

TALK TO WISETACK

Join the tens of thousands of contractors already offering Wisetack

Pay only when financing helps you close
There's no membership to renew and no cost in a slow season. Your business pays a published transaction fee only on jobs your customers finance.
Keep the payment tied to your job
Wisetack pays your business directly once the customer confirms the job, so approved funds can't be spent with another contractor.
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

I love Wisetack. It's very seamless and easy, and we love that the funds go directly to our bank account. It's also nice that we don't have to see the customer's sensitive financial information.
Amy Mitziga
Fence Masters

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

I have Wisetack integrated... In 5 minutes I had 3 estimates... and had the customer financed at 24 months for 7%. They were blown away at how quick and simple it was, and I was blown away at the rates!
Nick Morgan
First Choice Heating & Cooling LLC

Wisetack is leading the pack

Inc. 5000 badge
Ranked #21
2024 Inc. 5000
Banking Tech Awards USA badge
Best Embedded
Lending 2025
Deloitte 500 2024 badge
Ranked #15
2024 Deloitte 500
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Frequently asked questions

Does Wisetack charge a membership fee like Enhancify?
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Who receives the loan funds with Wisetack?
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Is Wisetack's 0% APR the same as a 0% intro-rate credit card?
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What's the maximum loan amount with Wisetack?
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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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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.