Wisetack vs. Hearth Financing

Financing that you only pay for when you use it, no annual subscriptions to pay ever.
Give customers personalized payment options right on your estimate, and get paid directly once they confirm the job.
TALK TO OUR TEAM
Trusted by home service businesses across the country

Wisetack vs. Hearth Financing at a glance

Wisetack
Hearth Financing
No signup, subscription or setup fee
Annual subscription (Hearth says most companies pay $2,000–$6,000 a year), plus a one-time setup fee
Funding sent directly to merchant
Paid within 3 business days of the customer confirming the job
Lenders fund the customer, and the merchant invoices for payment
One consistent customer application experience
Up to 8 tailored offers in a single Wisetack flow
Customer receive offers from up to 18 lenders, then go through the chosen lender's application process
No late fees or prepayment fees for customers
Late fees and other terms vary by lender
Published merchant pricing
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Annual subscription fee; pricing per transaction will vary by lender

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 Hearth Financing website as of October 2026 and are subject to change.

TALK TO WISETACK

Wisetack vs. Hearth Financing at a glance

Features

Wisetack
Hearth Financing

  • No signup, subscription or setup fee

Annual subscription (Hearth says most companies pay $2,000–$6,000 a year), plus a one-time setup fee

  • Funding sent directly to merchant

Paid within 3 business days of the customer confirming the job
Lenders fund the customer, and the merchant invoices for payment

  • One consistent customer application experience

Up to 8 tailored offers in a single Wisetack flow
Customer receive offers from up to 18 lenders, then go through the chosen lender's application process

  • No late fees or prepayment fees for customers

Late fees and other terms vary by lender

  • Published merchant pricing

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Annual subscription fee; pricing per transaction will vary by lender

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 Hearth Financing website as of October 2026 and are subject to change.

TALK TO WISETACK

Join the tens of thousands of contractors already offering Wisetack

A yellow circle with a white check mark.
No new software to learn
Wisetack shows up on the estimates and invoices your team already sends, so offering financing doesn't mean moving your quotes and payments to another platform.
A yellow circle with a white check mark.
Only pay on closed jobs
There's no subscription to pay before a single customer finances. You pay a published transaction fee only on jobs that close with Wisetack.
A yellow circle with a white check mark.
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

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

The fact that Wisetack was integrated into a job just made it that much more appealing." ... "With other providers, it's a laborious process to get customers approved — or sometimes just to get paid for a job.
Jeremy Langley
Langley Roofing

What businesses are saying

Wisetack is EASY. I've used other lenders, but they were slower, more expensive, and worse for customers.
Colby Hunter
Hunter Electrical
Blue circle with a white arrow pointing to the right.

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?
Book a demo

Frequently asked questions

Is a flat subscription cheaper than Wisetack's transaction fee?
A blue arrow pointing down
What's the maximum loan amount with Wisetack?
A blue arrow pointing down
How many loan offers do customers see with Wisetack?
A blue arrow pointing down
Do I need to switch software to use Wisetack?
A blue arrow pointing down
How long does it take to get paid?
A blue arrow pointing down
How does Wisetack financing work?
A blue arrow pointing down
What do we need to sign up?
A blue arrow pointing down
What are your consumer rates and terms?
A blue arrow pointing down
What home service industries does Wisetack support?
A blue arrow pointing down
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.