Wisetack vs. Upgrade

Offer financing without asking your team to master a menu of rate plans
Wisetack gives eligible customers personalized payment options through a simple digital application—without requiring your team to select, memorize or pitch different financing plans.
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Trusted by home service businesses across the country

Wisetack vs. Service Finance at a glance

Wisetack
Upgrade
No credit impact to check eligibility
Soft credit check
Soft credit check
Minimum financing amount
$500 minimum
$5,000 minimum
Simple merchant sign-up
Sign up online
Credit report for business, principals, partners or owners may be required
No signup or subscription cost
Not publicly stated
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

Wisetack vs. Upgrade at a glance

Features

Wisetack
Upgrade

  • No credit impact to check eligibility

Soft credit check
Soft credit check

  • Minimum financing amount

$500 minimum
$5,000 minimum

  • Simple merchant sign-up

Sign up online
Credit report for business, principals, partners or owners may be required

  • No signup or subscription cost

Not publicly stated

  • 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 from the Upgrade 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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Your team does not have to become financing experts
Send customers a link and let Wisetack present their eligible options. Your team does not need to choose a promotional plan, memorize a rate card, or determine which financing offer to pitch.
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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

Wisetack’s transparency is definitely a strength: merchants see exactly what their fees are and customers see their terms and payment amounts with no hidden costs.
Stan Pakarin
Fuse HVAC & Appliance Repair

What businesses are saying

Easy set up, no paper to fill up, no fax to send in, and no questions to ask. I really recommend Wisetack to all my customers.
Daniel Tupas
Life AC & Heating Corp
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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

Does my team have to learn different financing plans?
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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.