Financing · Embedded Point-of-Sale Financing
Wisetack Review
Embedded consumer financing built for home-service businesses
Quick verdict
Wisetack is best for HVAC, plumbing, electrical, and roofing contractors who want frictionless point-of-sale financing wired into the FSM they already use, to close more big-ticket service jobs. Loan amounts top out lower than home-equity-scale lenders (built for service tickets, not $80K remodels); the 3.9% merchant fee is a real margin cost; extended 0% APR add-ons cost more.
Fees & terms
Contractor pays a 3.9% merchant fee per financed transaction (higher only when the customer selects an extended 0% APR add-on). Customer APRs range 0%–35.9% based on amount and credit.
- Cost to contractor
- 3.9% merchant fee per transaction; higher only on extended 0% APR add-ons
- Customer APR
- 0%–35.9% APR (customer)
- Loan size
- Typically up to ~$25,000
Affiliate disclosure: No confirmed affiliate program — we currently earn nothing from Wisetack.
About Wisetack
Wisetack is the consumer-financing platform built specifically for home-service businesses, and it's the one most contractors actually touch because it's embedded directly inside the major FSM tools — Housecall Pro, Jobber, FieldPulse, Arborgold, Contractor+ and others all offer Wisetack natively. Founded in 2018 in San Francisco, it turns 'that's a $9,000 repair' into 'that's about $180/month,' which measurably lifts close rates on big-ticket work.
The flow is dead simple: the contractor sends a text or invoice link, the customer applies from their phone, gets a near-instant decision 24/7, and checking options doesn't impact their credit. Offers range 0%–35.9% APR based on amount and creditworthiness, and the standard merchant approval includes a 3-month 0% APR option, with 6, 12, and 24-month 0% APR terms available as add-ons.
The cost model is refreshingly clear: a flat 3.9% merchant fee per financed transaction, with no hidden fees — and you only pay the higher fee when a customer takes an extended 0% APR add-on. The trade-offs: loan amounts top out lower than home-equity-scale lenders (it's built for service tickets, not $80K remodels), and 3.9% is a real cost to factor into pricing. But for an HVAC, plumbing, electrical, or roofing shop that wants frictionless point-of-sale financing wired into the FSM it already uses, Wisetack is the default.
How it works
From inside your FSM (or the Wisetack merchant portal), you send the customer a financing link by text or on the invoice. The customer applies on their phone in a couple of minutes, gets a near-instant decision 24/7, and sees their monthly-payment options — and the soft credit check doesn't affect their score. They pick a plan, you book the job, and Wisetack pays you while the customer pays Wisetack over time. You pay a flat 3.9% merchant fee per financed transaction; the standard approval includes a 3-month 0% APR option, and you can enable 6/12/24-month 0% APR add-ons (which carry a higher merchant fee) to close larger jobs.
Pros & cons
What works
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Embedded in the FSM you already use
Wisetack is built into Housecall Pro, Jobber, FieldPulse, and more, so offering financing is a native part of your existing invoice/checkout flow — no separate system to learn or bolt on.
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Frictionless, credit-safe application
Customers apply by text in minutes, get a near-instant 24/7 decision, and checking options doesn't impact their credit. That low friction is exactly what closes a hesitant customer at the kitchen table.
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Transparent, flat 3.9% fee
A single flat merchant fee with no hidden charges is unusually clear for financing, and you only pay the higher rate when a customer takes an extended 0% APR add-on — so costs are predictable.
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Lifts close rates on big-ticket jobs
Reframing a large repair as a monthly payment measurably increases conversion on high-ticket HVAC/roofing/plumbing work — often paying for the 3.9% fee many times over in closed jobs.
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Built for home services specifically
Unlike general lenders, Wisetack is designed around service-business tickets and workflows, so the amounts, terms, and UX fit how trades actually sell and invoice.
What doesn't
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Lower loan ceiling than home-equity lenders
Wisetack is built for service tickets (commonly up to ~$25,000), not large remodels. For $50K–$100K projects, a home-improvement lender or marketplace (GreenSky, Hearth, Acorn) with higher limits fits better.
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3.9% is a real cost
The merchant fee comes out of your margin, so you need to price financing into jobs or accept the cost as a conversion expense. On thin-margin work it adds up.
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Extended 0% APR costs more
The attractive 6/12/24-month 0% APR add-ons carry a higher merchant fee than the standard plan, so offering long interest-free terms increases your cost per financed job.
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Customer APR can be high
Beyond promotional 0% terms, customer APRs reach up to 35.9% based on credit — so for some customers the financing is expensive, which can affect satisfaction if not framed clearly.
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Approval depends on customer credit
Not every customer qualifies or gets the best terms; approvals and rates hinge on creditworthiness, so financing won't close every big-ticket job on its own.
Features & integrations
Key features
Integrations
Frequently asked
How much does Wisetack cost the contractor?
Wisetack charges a flat 3.9% merchant fee per financed transaction, with no hidden fees. You only pay a higher fee when a customer selects an extended 0% APR add-on (6, 12, or 24 months). The standard approval includes a 3-month 0% APR option at the base rate.
Does applying for Wisetack hurt my customer's credit?
No — checking financing options with Wisetack uses a soft credit check that does not impact the customer's credit score. They apply by text in a couple of minutes and get a near-instant decision 24/7, which is a big part of why it closes hesitant customers.
How is Wisetack different from GreenSky or Hearth?
Wisetack is embedded point-of-sale financing for service tickets, built into FSM tools, with a flat 3.9% merchant fee and amounts up to ~$25,000. GreenSky is home-improvement financing up to $100,000 with dealer fees of 3–15%. Hearth is a lender marketplace that charges contractors a yearly subscription. For service-ticket financing inside your FSM, Wisetack is usually the simplest.
What can my customers finance with Wisetack?
Home-service jobs — HVAC replacements and repairs, plumbing, electrical, roofing, and similar work — typically up to around $25,000. It's designed for service tickets rather than large whole-home remodels, where a higher-limit home-improvement lender fits better.
Will Wisetack work with my software?
Likely yes — Wisetack is natively integrated into many field-service platforms including Housecall Pro, Jobber, and FieldPulse, and is also available via its own merchant portal. If you're on one of those FSMs, you can usually turn on Wisetack financing without adding a separate system.