Pay over time to fix it, mend it, or upgrade it

Wisetack is financing for real-life services that you can get in under a minute on your phone
how it works
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Fast and easy

Quick application – see your options within seconds

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No hidden fees

See exactly what you’ll pay right from the start

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Options for you

Choose the monthly payment that works best

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No impact to check

Checking eligibility doesn't impact your credit score

Wisetack is a payment option people actually love

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of customers give
Wisetack a 9 or 10 out of 10
based on 13,149 NPS surveys
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Fast, easy process, and just when I needed it most. I have running water because of Wisetack.
– Kristi | Commerce, MI
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Fast approval. Y'all really made it a breeze. Will always want y'all for service please!
– Joseph | Morganza, LA
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Got it done fast and got back to me very fast to let me know I had been approved.
– Ronald | Berry, AL
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Easy to apply. Really no hassles at all and the interest rate is very competitive!
– Analiza | Manteca, CA
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Our furnace went out unexpectedly and South Shore Heating & AC gave us the option to use Wisetack financing to pay for our purchase. It took a few minutes to fill out the questions to see how much we would be approved for and within seconds, we had the results. Wisetack is a quick and simple option for this stressful event.
– Kristin | Racine, WI
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The quick and user-friendly application and response time was awesome. Wisetack has treated me with respect and I really appreciate it.
– Benita | Jacksonville, FL
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Totally loved that Wisetack gave me the ability to keep my cash flow and low interest instead of laying it out all upfront for my AC unit. I can’t tell you guys how easy the process was. Got approved in about 30 seconds. I couldn’t be happier with that.
– Brad | Gilbert, AZ

We do it all with clear terms, no tricks

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For illustrative purposes only *
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Financing from $500 - $25,000 1

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APRs from 0% to 35.9%*

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Terms from 3 to 60 months* 2

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No pre-payment penalties, origination fees, or compounding interest

1 Some services have a max financeable amount of $15,000
2 Some services have terms up to 24 months only

How it works

For illustrative purposes only *

It takes less than a minute to see your options, and checking your eligibility doesn't impact your credit score.

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Click on the Wisetack link and enter some basic information.

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If approved, you’ll see up to 6 options. The monthly payment amount and total cost for each is clearly outlined. Simply choose what works best for you.

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When completed, your service provider receives the payment in full, while you pay over time. It’s that simple.

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Estimate monthly payments with our calculator‍

or visit our FAQs for more details

Save compared to paying monthly on a credit card

Credit cards are an easy way to pay, but not a great way to borrow. High rates and accrued interest mean it’s often unclear how much you’ll actually end up paying. Here’s a few reasons financing could save you money in the long run.

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Credit cards

Average interest rate of 19.1%1
Carrying a balance can impact credit score negatively
Compounding interest and unclear total cost
May charge late fees, annual fees, and other fees
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Interest rates as low as 0% APR* for eligible customers
No credit impact to check eligibility
Simple interest with clear terms up front
No late fees or hidden fees

How to get started with Wisetack

Where can I use Wisetack?

Through service businesses – like dentists, plumbers, and auto repair shops – who have signed up to offer Wisetack.

I’m ready to check out my options with Wisetack!

Ask the service provider to send an estimate, invoice, repair order, or treatment plan, which will include a link to your Wisetack application.

But my service provider isn’t offering Wisetack...

Oh no! :( Ask the business to consider adding Wisetack – many businesses can get approved with us the same day. They can call +1 (833) 927-0333.

Or, we’re happy to help you locate a Wisetack business in your area. Just call +1 (833) 927-0333.

Already a Wisetack customer? You can make a payment, get answers to questions in our help center, or talk to our payment support team at 1 (888) 711-5854 or
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. No other financing charges or participation fees. See additional terms at