Wisetack vs. Wells Fargo

Simple installment financing without the credit card complexity
Give customers personalized monthly payment options without asking your team to explain revolving credit, promotional rate plans, or deferred interest.
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Trusted by home service businesses across the country

Why Wisetack Wins

Wisetack
Greensky
No credit impact to check eligibility
Soft credit check only
Hard credit pull
No signup or subscription cost
Monthly program maintenance fee
Multiple personalized offers through one application
Customers apply for one revolving credit card account, plans depend on the merchant’s program
Installment financing for a specific purchase
Home Projects is a revolving credit card program
No minimum monthly financing volume
Charges fee if minimum is not met
Published, predictable merchant fees
3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Not publicly stated but MDR varies by promotion, roughly 2%–17%

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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Why Wisetack Wins

Features

Wisetack
Synchrony

  • No credit impact to check eligibility

Soft credit check only
Hard credit pull

  • No signup or subscription cost

Monthly program maintenance fee

  • Multiple personalized offers through one application

Customers apply for one revolving credit card account, plans depend on the merchant’s program

  • Installment financing for a specific purchase

Home Projects is a revolving credit card program

  • No minimum monthly financing volume

Charges fee if minimum is not met

  • Published, predictable merchant fees

3.9% on interest-bearing options; up to 9.9% for 24-month 0% APR*
Not publicly stated but MDR varies by promotion, roughly 2%–17%

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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No monthly financing requirements
Offer financing when it makes sense for your customers—without having to meet a minimum monthly financing volume.
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Make it easier to start the financing conversation
Customers can check their Wisetack options without affecting their credit score. With Wells Fargo, submitting a credit card application results in a hard inquiry—creating a bigger commitment before customers know what financing may be available.
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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

The biggest pluses of Wisetack are having the financing offers attached to the quote and letting our customers apply without any hit to their credit. Our customers appreciate the soft pull. It really reduces the barrier to considering financing. It's weird that our bank couldn't figure that out — no one is going to risk that damage to their credit.
Nathan Roberts
Astoria Lighting Co.

What businesses are saying

Wisetack was easy for our customers to use and easy for us to collect the balance on the invoice without all of the hassle of managing 'credit' in-house.
Meg Balak
Elizabethtown Overhead

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
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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 Wisetack require merchants to finance a certain amount of loans each month?
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Does Wisetack use deferred interest like some Wells Fargo promotions?
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Is Wisetack a credit card like Wells Fargo Home Projects?
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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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Does checking my customer's eligibility with Wisetack affect their credit score?
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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.