Get started with financing for your biggest jobs
How it Works
Your customers pay over time, while you get paid as soon as the work is done.
- Available on jobs between $500 - $65,000
- Your customer checks personalized financing options with no impact to their credit score.
- If approved, they choose the offer that works best for them.
- If additional borrower documentation is required both you and your customer will be notified via email
- After the job is complete, you’re paid in 1 - 3 business days
How to send your customer an application
How to prequalify your customer
- Log in to the Wisetack portal
- Click the NEW PREQUAL button on the dashboard (or +NEW then SEND PREQUAL APP if you're on desktop)
- Enter in your customer's phone number and hit "Send Prequal Application" to text the link, or click "Create link only" to include it in your own communications with the customer
- Your customer can prequalify by clicking the link
Send a prequal to your customer when you're estimating the job to help them understand their spending power. Learn more about prequals here
How to send a financing application
If your customer prequalified: They can click the same link to finish their financing application.
If your customer didn’t prequalify: You’ll need to send them a financing application using the steps below.
OR, If the customer has already prequalified, they can use the same link to complete their full application. If they haven’t prequalified yet, you can send them a financing application using the steps below.
- Log in to the Wisetack portal
- Click the NEW LOAN button on the dashboard (or +NEW then SEND LOAN APP if you're on desktop)
- Enter in the job details and hit “Send Loan Application” to text the link, or click "Create link only" to include it in your own communications with the customer
- Your customer can apply for financing by clicking the link
Send a financing application to your customer once you have settled on the price
What your customer sees
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If your customer prequalifies before applying for financing
They’ll be able to turn that application into a financing application — you won’t need to send them a separate link or application.
If your customer applies for financing directly (without prequalifying beforehand)
They’ll simply go through the financing application as normal.
Additional verification requirements for borrowers
In some cases, additional documentation is required during the application process, especially for larger loans. Lenders may add additional steps to prevent fraud and to verify customer details. Customers will be notified of what details need to be submitted to move the loan process forward and merchants will be notified if the loan is under review and requires additional documentation.
The perfect pitch
A lot of homeowners spread a job like this over time — I can text you a link so you can see your options in about a minute, no impact to your credit.
Before we talk about cutting anything from the scope, let's see what your monthly payment could look like. It only takes a minute to check.
You can spread this over up to 120 months, and there's no penalty if you want to pay it off early.
You can choose to pay over time for any of our services.
Click the link to apply in the text you got from Wisetack. You can check your options without impacting your credit score.
Offers start as low as 0% APR* and eligibility is handled by Wisetack’s lending partners. Checking your options doesn’t hurt your credit score.
More of a visual learner? Check out this short video series below
Want to add Wisetack to your website? Learn how in our Marketing Toolkit.
Frequently asked questions
Pitching Wisetack
Which rates should I pitch my customers? Where can I find your rate card?
What’s the benefit of prequalifying customers ahead of time?
Who can apply for financing through Wisetack? Do they need to be on the home deed? What about joint applications?
Financing application process
How does my customer access the financing application?
What information does my customer need to fill out the application?
What kind of credit does a customer need to qualify for offers?
How can I check the status of my customer’s application?
How can I request payment once the job is completed?
Who can apply for financing through Wisetack? Do they need to be on the home deed? What about joint applications?
What happens when the cost of the job changes?
How can I cancel financing or request a refund?
Do bigger loans take longer to approve?
Is there a different application for jobs over a certain size?
Will every customer qualify for $65,000?
Customer terms and repayments
Can a customer pay off their financing early?
How are monthly payments and interest calculated?
How will customers know where to make their payments?
What additional documentation are the borrowers required to provide?
*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.
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