You send a prequalification link (optional).
Your customer sees the maximum amount they’re approved to finance and reviews their options.
HVAC financing designed to help you secure larger jobs
From a same-day no-cool emergency to a planned system replacement — use monthly payments to help homeowners say yes to the system they need.
Trusted by home service businesses across the country
4.8/5 stars
4.6/5 stars
85%
of customers give
Wisetack a 9 or 10 out of 10
Wisetack a 9 or 10 out of 10
based on 45,516 NPS surveys
Help homeowners focus on the monthly payment, not the total system cost
Typical Project
Instead of saying…
Diagnostic/repair call
$150–$600
AC-only replacement
$3,500–$15,000
Full system replacement (furnace + AC)
$5,000–$28,000
Heat pump conversion
$6,000–$20,000
Ductwork replacement
$3,000–$12,000
Geothermal / whole-home electrification
$20,000–$40,000+
Show financing from…"As low as $XXX/mo"
Why merchants choose Wisetack for HVAC
Close jobs without becoming a loan expert
Skip rate cards, FICO questions, and playing loan officer. Wisetack keeps financing simple.
Offer a consistent financing experience
Customers apply, review options, and confirm in a financing experience connected to your business.
30+ live SaaS platform integrations
Embedded in platforms contractors love, including Housecall Pro, Jobber, and FieldPulse.
We make offering financing easy
Prequalify customers
Add a prequal link to you website, estimates and more
True 0% financing
No deferred interest or hidden fees, for up to 24 months
Accept multiple payments
Get paid on half the job up front
Support big ticket jobs
Offer financing on projects up to $65K
Want a simpler way to offer financing?
See how they do it
See how Wisetack is helping residential contractors optimize financing and grow their business
Crown Temp HVAC wins several new jobs per week
1 in 4
jobs are paid with Wisetack
Fuse HVAC gained roughly 1 more job per week
80%
of $10K+ jobs financed through Wisetack
How it works
It’s easy for both you and your customer.
Estimate price
Agree on price
You send an application link.
Your customer applies and locks in their offer by selecting and accepting their preferred terms.
Your customer applies and locks in their offer by selecting and accepting their preferred terms.
Complete work
You do the work.
Once complete, your customer confirms the job is done.
Once complete, your customer confirms the job is done.
Receive payment
You receive the funds via bank transfer, which will land in your account within 1-3 business days, depending on your bank.
What to expect when you offer financing with Wisetack
Wisetack covers large and small jobs. Financing available from $500 – $65,000 on terms from 3 to 120 months*.
For your business
Seamless experience. Offer financing with the click of a button, with less training time for your comfort advisors.
Flat per transaction fee. No set up or subscription cost. Predictable costs for your business.
Marketing and sales tools. Get more leads with a prequal link and close the deal with interest-free options.
For your customer
Options to fit their needs. APRs as low as 0% for eligible customers and up to 8 monthly payment options to choose from.
Fast and easy. See options in under a minute, and checking eligibility doesn't impact their credit score.
No hidden fees. No prepayment penalties, origination fees, compounding interest, or any other surprises.
Transparent terms for home services businesses
Flat 3.9% MDR on standard transactions12-month 0% promotional plan priced at 6.9% cost to the merchant
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, Fuse HVAC
Our first provider had bulky paperwork. It wasn't a good experience. Wisetack changed that. Now it's just a link.”
David Burris, Burris Heat and Air
We jumped on board as soon as we saw it [Wisetack's Housecall Pro integration]. Customers can prequalify right from their phones.”
Mike Soper, Abbott Brothers Plumbing & Heating
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Sell more and bigger jobs with Wisetack
Frequently asked questions
What HVAC services can be financed?
How much can homeowners finance?
Does checking my customer's eligibility with Wisetack affect their credit score?
What do we need to sign up?
How long does it take to get paid?
What financing options are available to homeowners?
Are there any hidden fees or prepayment penalties?
How is Wisetack different from other financing options?
Why should my HVAC business offer Wisetack financing?
Is Wisetack easy for my team to use?
Can homeowners see financing options before a technician arrives?
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.
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