Wisetack vs. GreenSky

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Trusted by home service businesses across the country

Why Wisetack Wins

Wisetack
Greensky
Focused on home improvement contractors
Soft credit checks to check eligibility
Quick approvals
Under a minute
Up to 15 minutes
No dealer fees
Clear and transparent offers with no surprises for your customers
Customers can be charged activation and late fees
Up to 6 options for your customer
Your customers will see up to 8 options built just for them based on their credit profile
Field staff must memorize or understand rate cards for different loan products to present an offer to the customer
Clear and transparent transaction fees that anyone can see
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Not publicly disclosed on their website but merchant fees can range from 1%-26.6% depending on the plan

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 GreenSky at a glance

Features

Wisetack
GreenSky

  • Focused on home improvement contractors

  • No credit impact to check eligibility

  • Approval speed

Under a minute
Up to 15 minutes

  • No minimum volume fees

  • Consumer fee transparency

Customers can be charged activation and late fees

  • A selection of transparent financing offers for the customer

Your customers will see up to 8 options built just for them based on their credit profile
Field staff must memorize or understand rate cards for different loan products to present an offer to the customer

  • Transparent merchant fee disclosure

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Not publicly disclosed on their website but merchant fees can range from 1%-26.6% depending on the plan

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 GreenSky 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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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.
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Ramp your sales team in hours, not weeks
Most financing tools force sales reps to memorize rate cards, handle FICO scores, and act like mini-loan officers. Wisetack? None of that.
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We’re built for the trades—our competitors are built for banks
4/5 sales managers would recommend Wisetack to an industry friend or colleague*. Our focus is helping your sales team close more jobs.
† Source: Wisetack merchant survey, Jan 2025

What businesses are saying

Wisetack's rates are lower than other companies. They also provide great customer service, from training and FAQs to postcards for educating customers.
Lia Robinson
Clean Slate Pest Control Corporation

What businesses are saying

Wisetack is awesome. Previously, we used a different third party financing option and it was very burdensome and a pain to use. With Wisetack, the integration makes it so easy to use and our customers love it.
Bryan Taylor
Charlotte Trimlight

What businesses are saying

I really, really, really like your service. Wisetack’s platform is probably the best financing platform in my 16 years of service I’ve ever dealt with; the easiness, the approvals, the pay. I mean for real, I can’t say enough great things about Wisetack — that’s how awesome you guys are! You normally don’t hear that when dealing with a financing company.
Howard Eastmond
Eastmond Home Services
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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
Still deciding between Wisetack and GreenSky?
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Frequently asked questions

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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How long does it take to get paid?
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What loan amounts can customers qualify for?
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How does the Wisetack customer application process compare with GreenSky?
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How do the Wisetack dealer fees compare with GreenSky?
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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.