Wisetack vs. GoodLeap

Less complexity for your team. More payment options for your customers
Offer financing across everyday repairs and larger home improvement projects—without requiring your team to become financing experts.
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Trusted by home service businesses across the country

Wisetack vs. Service Finance at a glance

Wisetack
GoodLeap
Built for home improvement contractors
Simple, predictable payout
Paid in up to 3 business days after job completion
Paid in up to 2 business days after verification of job milestones
Simple merchant sign-up
Sign up online
Merchants must go through a vetting and verification process
Multiple personalized loan options in one application
Up to 8 offers tailored to their credit profile
Customers have to apply for a specific loan, loan options are at the discretion of the merchant
Non property owners can apply for loans
Property owners must be added as a co-applicant or co-signer on the application
Loan amounts
Up to $65,000
Up to $55,000
No credit impact to check eligibility
Soft credit check only
Hard credit pull when applying
No signup or subscription cost
Not publicly stated
Published, predictable merchant fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
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 as of July 2026 and are subject to change.

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Wisetack vs GoodLeap at a glance

Features

Wisetack
GoodLeap

  • Built for home improvement contractors

  • Simple, predictable payout

Paid in up to 3 business days after job completion
Paid in up to 2 business days after verification of job milestones

  • Simple merchant sign-up

Sign up online
Merchants must go through a vetting and verification process

  • Multiple personalized loan options in one application

Up to 8 offers tailored to their credit profile
Customers have to apply for a specific loan, loan options are at the discretion of the merchant

  • Non property owners can apply for loans

Property owners must be added as a co-applicant or co-signer on the application

  • Loan amounts

Up to $65,000
Up to $55,000

  • No credit impact to check eligibility

Soft credit check only
Hard credit pull when applying

  • No signup or subscription cost

Not publicly stated

  • Published, predictable merchant fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
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 GoodLeap 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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Clear business costs. Clear customer choices
Wisetack clarifies financing from the start. Your business sees transaction fees transparently, while eligible customers compare personalized monthly payments, APRs, terms, and total costs. No hidden fees or guesswork.
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Less financing guesswork for your team
Your team introduces monthly payments and sends an application link. The customer reviews their personalized options privately, without your rep having to estimate their credit profile.
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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

Easy set up, no paper to fill up, no fax to send in, and no questions to ask. I really recommend Wisetack to all my customers.
Daniel Tupas
Life AC & Heating Corp

What businesses are saying

Having Wisetack in the estimate often saves me a sale without me needing to do anything.
Sean Davis
Fix This Garage Door Installation & Repair

What businesses are saying

Wisetack definitely helps you sell projects. My win rate this year is higher than it was last year.
Tyler Frejofsky
Textbook Painting
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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

Do my customers have to apply for a specific loan program?
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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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Does my customer need to be the homeowner to apply, like with GoodLeap?
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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.