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Wisetack vs. GreenSky
No rate cards. No financial guesswork. Just send a link.
The easiest way to offer financing and win more deals
Trusted by the best:
Why Wisetack Wins
Wisetack
Greensky
Focused on home improvement contractors
Soft credit checks to check eligibility
Quick approvals
Under a minute
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Instant–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 6 offers built just for them based off their credit profile
Is your team comfortable asking customers what their financial situation is and cross referencing a rate card?
Clear and transparent transaction fees that anyone can see
3.9% on interest bearing options
Up to 9.9% for 24 months 0% APR
Up to 9.9% for 24 months 0% APR
Not publicly disclosed on their website, you’ll have to apply and find out why we think they’re higher
Why Wisetack Wins
Features
Wisetack
GreenSky
Focused on home improvement contractors
No credit impact to check eligibility
Quick approvals
Under a minute
"Instant" or up to 15 minutes
No additional fees if you fall below the monthly "funded loan volume" amount
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 6 options built just for them based on their credit profile
Is your team comfortable asking customers their financial situation and cross-referencing a rate card?
Clear and transparent transaction fees that anyone can see
3.9% on interest-bearing options
Up to 9.9% for 24 months 0% APR*
Not publicly disclosed on their website; you’ll have to apply and find out why we think they’re higher
Join the tens of thousands of contractors already offering Wisetack
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Maximize deals with dynamic pricing
Your customer sees up to 6 options, leading to higher approval and conversion rates. They choose between lower monthly payments or lower interest.
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.
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 transparency is definitely a strength: merchants see exactly what their fees are and customers see their terms with no hidden costs.
Stan, Co-Founder of Fuse HVAC
Refrigeration and Plumbing (19 locations)
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
Wisetack is leading the pack
Still deciding between Wisetack and GreenSky?
Frequently asked questions
How does Wisetack financing work?
How is Wisetack different from other consumer financing options?
What do we need to sign up?
What are your consumer rates and terms?
What rate do I pay if my customer doesn’t qualify for or choose a 6, 12, or 24 month 0% APR option?
What credit score is needed to qualify for a 0% APR option?
How long does it take to get paid?
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 $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at https://www.wisetack.com/faqs.
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