Wisetack vs. Service Finance

The simpler alternative to traditional contractor financing
No complicated financing programs. No rate cards. Just an easy way to help customers pay over time.
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Trusted by home service businesses across the country

Wisetack vs. Service Finance at a glance

Wisetack
Service Finance
Funding sent directly to merchant
Merchant handles no sensitive customer data
Customer applies on their own device
Merchant often facilitates the application on their own device or phone, with customers
Transparent loan options
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
True 0% APR
Loans never accrue interest if paid off, even on 0% offers
"No interest" plans can begin accruing interest on the remaining balance if not paid off during the promotional period
Simple, predictable payout
Paid in up to 3 business days via ACH after job completion
Requires the customer to execute a contract and the merchant to submit a completed work certificate before payout
Published, predictable merchant fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Dealer fees vary by promotional 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.

TALK TO WISETACK

Wisetack vs. Service Finance at a glance

Features

Wisetack
Service Finance

  • Funding sent directly to merchant

  • Merchant handles no sensitive customer data

Customer applies on their own device
Merchant often facilitates the application on their own device or phone, with customers entering sensitive info

  • Transparent loan options

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

  • True 0% APR

Loans never accrue interest if paid off, even on 0% offers
"No interest" plans can begin accruing interest on the remaining balance if not paid off during the promotional period

  • Simple, predictable payout

Paid in up to 3 business days via ACH after job completion
Requires the customer to execute a contract and the merchant to submit a completed work certificate before payout

  • Published, predictable merchant fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Dealer fees vary by promotional 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 Service Finance 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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Financing that's easy for your team
Your team doesn't need to memorize rate cards or recommend specific loan options. Customers receive personalized offers after applying, making financing easier to present.
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More financing options for every customer
Customers can compare multiple eligible offers and choose the monthly payment that works best for their budget. Win more (and bigger) jobs by giving customers the option to pay monthly.
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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

I love Wisetack. It's very seamless and easy, and we love that the funds go directly to our bank account. It's also nice that we don't have to see the customer's sensitive financial information.
Amy Mitziga
Fence Masters

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

I have Wisetack integrated... In 5 minutes I had 3 estimates... and had the customer financed at 24 months for 7%. They were blown away at how quick and simple it was, and I was blown away at the rates!
Nick Morgan
First Choice Heating & Cooling LLC

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
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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, like they do with Service Finance?
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Does Wisetack offer promotional rates like Service Finance?
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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.