FEATURE GUIDE

Offer your patients 0% APR for 24 months*

Offer extended interest-free financing to attract more patients, close bigger jobs, and deliver a superior customer experience.

Why offer Wisetack’s extended 0% APR options?

Hear “yes” more

Increase your conversion by 20%†

Win bigger jobs

Increase average ticket size by 26%†

Transparent terms

Confidently offer true 0% — no deferred interest or hidden fees
†Based off internal Wisetack merchant data, 2025

Compare pricing of our 0% APR financing plans

Your transaction fee will vary based on which option your patient chooses. Here’s how that works: 

Included
(Incld.)
Starter
plan
Up to
6 mos.
6
mos.
plan
Up to
12 mos.
12
mos.
plan
Up to
24 mos.
24
mos.
plan
% fee
if selected
% fee if selected
Interest-bearing options from 3–24 months
4.9%
0% APR for 3 months
4.9%
0% APR for 6 months
6.9%
0% APR for 12 months
9.9%
0% APR for 24 months
13.9%

You will only be charged the higher fee if your customer qualifies and selects a 0% APR offer. If they choose an interest-bearing option or 3-month 0% plan, your fee will be 4.9%.

Unsure about it? Trial it for a period of time and see how your customers respond.

How to upgrade your 0% APR plan

To update your plan, log in to the merchant portal and navigate to: Account settings → Merchant information → 0% APR options

What customers are saying

The customer service was fast and easy
to understand.
0% interest is what made my mind up going this route.
 I loved the speed at which I was approved! I love the 0% interest for 2 years!!
Simple, fast, accurate. Super easy financing. Can’t beat 0%!!
Easiest 0% loan I have ever taken. It almost seemed like too good to be true.

Promote your extended 0% APR options

Attract new customers by promoting your 0% APR options on your website, social media, printed materials and more.
Head to our marketing toolkit for ready-to-use template copy and plug-and-play assets to help you hit the ground running.
MARKETING TOOLKIT

Frequently asked questions

What rate do I pay if my customers don’t qualify for or choose a 6, 12, or 24 month 0% APR option?

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Can I trial a 0% APR add-on for a period of time?

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Why didn’t my customer see a 0% APR option?

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What credit score is needed to qualify for a 0% APR option?

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What percentage of approved customers will see a 0% APR option?

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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.