Financing · Embedded Point-of-Sale Financing
Wisetack Review
Pay-over-time financing embedded in home-service software, with a flat merchant fee
Quick verdict
Who Wisetack fits: Home-service contractors who want pay-over-time financing sent from the field-service software they already use, with a published per-job fee, for jobs from $500 to $65,000. Trade-offs: 3.9% fee on every financed job; 0% APR add-ons cost 4.9%-9.9%; customer APR up to 35.9%; $65,000 maximum.
Fees & terms
Wisetack charges the business a flat 3.9% fee per financed transaction, which includes a 0% APR option for 3 months. Optional 0% APR add-ons cost 4.9% (6 months), 6.9% (12 months) or 9.9% (24 months), charged only when a customer qualifies for and selects that option. Customer offers range 0%-35.9% APR over 3-120 months; jobs from $500 to $65,000.
- Cost to contractor
- 3.9% per financed transaction; 4.9%, 6.9% or 9.9% only when a customer selects a 6, 12 or 24-month 0% APR add-on
- Customer APR
- 0%-35.9% APR (customer); based on amount and credit, terms 3-120 months
- Loan size
- $500-$65,000
Affiliate disclosure: The link to Wisetack on this page goes to its own site and is not an affiliate link.
About Wisetack
Wisetack is a consumer-financing platform for service businesses, including HVAC, plumbing, electrical, roofing and many other home-service trades. Wisetack says it was founded in 2018 in San Francisco, and it is backed by Insight Partners, Greylock, Quadrille Capital and Bain Capital Ventures. Loans come from its lending partners: its lenders page names Hatch Bank, U.S. Bank and Happen Bank, and in April 2026 Wisetack announced that LendingClub would underwrite and originate home improvement loans through its platform.
Wisetack says it is integrated into 30+ software platforms and names Housecall Pro, Jobber, JobNimbus, FieldPulse, Contractor Plus and others. The business sends a financing link by text or on the invoice, and the customer checks options on their phone. Wisetack says checking options does not affect the customer's credit scores.
The merchant cost is published. The business pays a flat 3.9% fee on each financed job, and that rate includes a 0% APR option for 3 months. Longer 0% APR add-ons cost 4.9% for 6 months, 6.9% for 12 months and 9.9% for 24 months, and the higher fee applies only when a customer qualifies for and picks that option. Customer offers range from 0% to 35.9% APR over 3 to 120 months, and jobs from $500 to $65,000 are covered (the cap was $25,000 until June 2026). Wisetack says funds reach the business by bank transfer, usually within 1-3 business days.
The trade-off: the fee comes out of your margin on every financed job, long 0% promotions cost up to 9.9%, and customer approval and rates depend on credit. Projects above $65,000 need a different lender.
How it works
Turn on Wisetack inside a supported field-service app or use Wisetack's own merchant portal. Send the customer a financing link by text or on the invoice. The customer checks their options, which Wisetack says does not affect their credit scores, then picks a monthly plan. Offers range 0%-35.9% APR over 3-120 months based on the amount and the customer's credit. Once the customer confirms, Wisetack says funds are sent to your bank by ACH, landing within 1-3 business days. You pay 3.9% of each financed job, or 4.9%, 6.9% or 9.9% when the customer selects a 6, 12 or 24-month 0% APR add-on you have enabled.
Pros & cons
What works
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Built into field-service software
Wisetack says it is integrated into 30+ software platforms, including Housecall Pro, Jobber, JobNimbus, FieldPulse and Contractor Plus, so contractors on those platforms can offer it from the invoice they already send.
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Published merchant fee
Wisetack publishes its fees: 3.9% per financed transaction, rising to 4.9%, 6.9% or 9.9% only when a customer picks a 6, 12 or 24-month 0% APR add-on.
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No credit impact to check options
Wisetack says checking financing options does not affect a customer's credit scores, which lowers the barrier to asking.
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Jobs from $500 to $65,000
Jobs from $500 to $65,000 are eligible, with terms from 3 to 120 months, so the same tool fits a repair and a system replacement.
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Paid by bank transfer
Wisetack says funds are sent after the customer confirms and land in your account within 1-3 business days, so you are not waiting on installments.
What doesn't
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A fee on every financed job
The 3.9% fee comes out of your margin, so it needs to be priced into jobs or treated as a sales cost.
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Long 0% promotions cost more
0% APR for 6, 12 or 24 months costs 4.9%, 6.9% or 9.9% of the job when the customer selects it.
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Customer APR can be high
Outside 0% promotions, offers go up to 35.9% APR depending on credit.
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$65,000 ceiling
Larger remodels and additions above $65,000 need a different lender.
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Approval depends on credit
All financing is subject to credit approval, and Wisetack notes that not all merchants and lending partners participate in 0% programs.
Features & integrations
Key features
Integrations
Frequently asked
How much does Wisetack cost the contractor?
Wisetack charges a flat 3.9% fee per financed transaction, which includes a 0% APR option for 3 months. If you enable longer 0% APR add-ons, the fee is 4.9% for 6 months, 6.9% for 12 months and 9.9% for 24 months, charged only when a customer qualifies for and selects that option.
Does checking Wisetack options hurt my customer's credit?
Wisetack says checking financing options does not impact a customer's credit scores. All financing is subject to credit approval, and offers depend on the amount and the customer's credit.
How much can customers finance, and at what rates?
Jobs from $500 to $65,000, over 3 to 120 months, at 0% to 35.9% APR depending on the amount and credit. Wisetack raised its limit from $25,000 to $65,000 in June 2026 and says 7- and 10-year terms start at 9.9% APR for qualified borrowers.
When does the contractor get paid?
Wisetack says that once the customer confirms, funds are sent to your bank by ACH and usually arrive within 1-3 business days, depending on your bank. The customer repays the lender over time.
Will Wisetack work with my software?
Wisetack says it is integrated into 30+ software platforms, including Housecall Pro, Jobber, JobNimbus, FieldPulse and Contractor Plus. It also has its own merchant portal if your software is not on the list.
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