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

  • Financing from $500 – $25,000 1
  • APRs from 0% to 35.9%*
  • Terms from 3 months to 10 years† 2
  • 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
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How it works

  • Click on the APPLY link and enter some basic information.
  • 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.
  • When completed, your service provider receives the payment in full, while you pay over time. It’s that simple.

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.

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, annual and other fees

Financing

  • Interest rates as low as 0% APR* for eligible customers
  • No credit impact to check eligibility
  • Simple interest with clear terms up front
  • No hidden fees

Financing FAQ's

  • Will taking out a loan impact my credit score?

    Accepting a financing offer can affect credit. Repayment behavior will also affect credit — paying back on time can have a positive impact while paying late will have a negative impact. It’s easy to set up automatic payments to ensure on time payments and help build a positive credit history.

    Checking your eligibility for financing does not impact your credit score (learn more here ).

  • Will viewing my finance options impact my credit score?

    No. When checking your eligibility, Wisetack and its lending partners perform a soft credit pull, which means that your credit score will not be affected. However, accepting a financing offer can affect credit, and repayment behavior will also affect credit.

    You can learn about the difference between a soft versus hard credit check here.

  • Why would I use Wisetack instead of a credit card?

    The rate you get with Wisetack may be lower than the rate your credit card company charges for maintaining a balance. Our financing options have simple interest, while credit cards charge compound interest. We don’t charge late fees, prepayment fees, or origination fees.

    With Wisetack, you know exactly how much you will pay. Many people like knowing the exact monthly payment amount and find that financing with a fixed term for a specific purpose may be more affordable than a credit card.

    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. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at https://www.wisetack.com/faqs.

  • Can I use Wisetack without a mobile phone?

    Unfortunately, no. You need a mobile phone number in order to use Wisetack. For security purposes, we send you a verification code via SMS when accessing the application.

  • How does financing work?

    Wisetack is a simple way to pay over time for a service or product. From home improvement projects to necessary repairs to your vehicle, Wisetack enables you to break up the cost of a purchase into easy monthly payments. When financing through Wisetack, checking your options doesn’t impact your credit score (learn more here). And there are no prepayment fees, late fees, or compounding interest.

    The application is initiated by the service provider and completed by you. On average, the application takes about a minute to complete. If eligible, you will receive several options to choose from with various term lengths and monthly payment amounts.

    When you finance through Wisetack, the service provider is paid directly, and you pay over time.

    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. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at https://www.wisetack.com/faqs.