Wisetack vs. Synchrony

A simpler financing experience for home service teams and their customers
Skip the rate-card complexity, paper-heavy workflows, and deferred-interest surprises. With Wisetack, your team sends a link, your customer checks options with no credit score impact, and you get paid after the job is complete.
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Trusted by home service businesses across the country

Why Wisetack Wins

Wisetack
Greensky
Focused on home improvement contractors
No credit impact to check eligibility
Soft credit check only
Hard credit pull — applying impacts the customer's credit score
Quick approvals
Under a minute
Slower application process (phone or online; often needs a printer)
No dealer fees / signup or subscription cost
Dealer fees and promotional pricing can vary by program
No deferred-interest surprises
No deferred-interest surprises
Multiple installment options for your customer
Up to 8 offers tailored to their credit profile
Customer applies for one plan; merchant needs to understand and present the available promotions
Published, predictable merchant fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
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.

TALK TO WISETACK

Why Wisetack Wins

Features

Wisetack
Synchrony

  • Focused on home improvement contractors

  • No credit impact to check eligibility

Soft credit check only
Hard credit pull — applying impacts the customer's credit score

  • Quick approvals

Under a minute
Slower application process (phone or online; often needs a printer)

  • No dealer fees / signup or subscription cost

Dealer fees and promotional pricing can vary by program

  • No deferred-interest surprises

Deferred interest promotions are used

  • Multiple installment options for your customer

Up to 8 offers tailored to their credit profile
Customer applies for one plan; merchant needs to understand and present the available promotions

  • Published, predictable merchant fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
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.

TALK TO WISETACK

Join the tens of thousands of contractors already offering Wisetack

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Go live quickly
Start offering financing without lengthy onboarding, card issuance, or complicated promotional setup.
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Keep pricing predictable
Use straightforward transaction fees instead of training your team on changing promo plans and rate-card complexity.
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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

We stopped using Synchrony because the Housecall Pro integration with Wisetack made everything so easy. Now, the customer handles everything through the platform. We finish the project, they hit job completed, and the funds are transferred—it’s that easy.
Daric Johnson
The Electric Company (T.E.C. Services)

What businesses are saying

We decided to check out Wisetack because our company was not offering financing. Once we did it changed everything. It broadened our customer database. What's so great about Wisetack vs Synchrony is that Wisetack does all the work for you. So much easier!
Lindsey Baker
Local Guy AC

What businesses are saying

Before I used Wisetack, I was looking at different options for financing and was skeptical about what would happen if customers didn't pay—I didn't want to have a debt collection issue. With Wisetack, we don't have to worry about that as we get paid upfront.
Branden Sewell
Seal Pro Painting
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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

Is Wisetack a credit card like Synchrony?
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Does Wisetack use deferred interest like some Synchrony promotions?
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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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How does the Wisetack customer application process compare with Synchrony?
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What loan amounts can customers qualify for?
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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.