Wisetack vs. Regions Home Improvement Financing

(formerly EnerBank)
Give customers personalized monthly payment options without asking your team to navigate loan codes and dealer fees
Wisetack makes it simple to offer financing across everyday repairs and larger projects. Send one application link, and eligible customers can review up to eight options on their own device.
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Trusted by home service businesses across the country

Wisetack vs. Service Finance at a glance

Wisetack
Regions Financing
No credit impact to check eligibility
Soft credit check
Soft credit check
Minimum financing amount
$500 minimum
Not publicly stated
Published, predictable merchant fees
Flat 3.9% per transaction
Varies, typically ranges from 5% - 13%
Multiple personalized loan options in one application
Up to 8 offers tailored to their credit profile
Not publicly stated
No signup or subscription cost
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. Regions Financing at a glance

Features

Wisetack
Regions Financing

  • No credit impact to check eligibility

Soft credit check
Soft credit check

  • Minimum financing amount

$500 minimum
Not publicly stated

  • Published, predictable merchant fees

Flat 3.9% per transaction
Varies, typically ranges from 5% - 13%

  • Multiple personalized loan options in one application

Up to 8 offers tailored to their credit profile
Not publicly stated

  • No signup or subscription cost

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 Regions Home Improvement Financing 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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Spend less time managing financing programs
Your team does not need to choose a loan code before sending the application. With Wisetack, eligible customers can receive up to eight personalized options through one digital experience.
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Straightforward pricing for your business
Wisetack prides itself on being easy to use and transparent. We publish standard merchant pricing, so businesses can understand the cost before offering financing.
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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

Relative to other lenders, Wisetack was the easiest to facilitate. Others had complex options, with dealer fees up to 22%. With Wisetack, I love that the payout has been within 2 days every single time.
Joe Fuentes
S & J Plumbing

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

Customers find it impressive to see that we work with a financing team that can offer them great rates... One customer even said Wisetack offered them a better rate than their own bank did!
Brooke Duvall
Green to Ground
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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

What is the main difference between Wisetack and Regions?
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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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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.