The bill arrives at the worst possible moment
Furnaces fail in January. Teeth crack on Sundays. Dogs swallow things they shouldn't. We finance the services people can't postpone — with terms written to be read, not skimmed.
Soft credit check · No impact to your credit score
A $2,800 furnace becomes a monthly payment you can plan for — decided in the few minutes you're standing in your own basement, not deferred until something gets worse.
What we do
Wisetack provides pay-over-time financing for in-person services. Rather than asking people to find a lender, apply, wait, and come back, the financing is offered by the business doing the work — on the estimate, on the treatment plan, at the counter.
We aren't a bank. Loans are issued by licensed lending partners, so your credit agreement sits with a regulated lender. What we handle is the part in between: showing you real terms quickly, in a form you can actually compare.
Who we're for
Five categories where the bill tends to be urgent, unplanned, and larger than a card balance you'd want to carry.
What we hold ourselves to
Six commitments that shape how the product works — and that you can hold us to.
Looking should be free
Checking your rate uses a soft credit inquiry that never affects your score. You see the real APR, monthly payment, and total cost before agreeing to anything.
No fee should be a surprise
No origination fees, no prepaid finance charges, no participation fees, no late fees, no prepayment penalty. If a cost isn't in the offer you accept, it doesn't exist.
A 0% offer should mean 0%
Some promotions marketed as “no interest” accrue it quietly and charge it back if you miss a deadline. Ours don't. A fixed rate and payoff date beat a countdown.
Paying early should reward you
No prepayment penalty, so clearing your balance ahead of schedule simply costs less. Financing that punishes faster repayment has its incentives backwards.
Comparison should be encouraged
We publish comparisons that say plainly where another option is cheaper — including credit cards and personal loans. Informed borrowers make better decisions.
Terms should be readable
Plain wording, visible totals, and no clause designed to be skimmed past. If you need a specialist to understand what you're signing, the document has failed.
How we make money
Worth stating plainly, because it explains the incentives behind everything above.
Service businesses
Most of our revenue comes from the providers who offer financing to their customers. They gain a customer who can move forward with the work today.
Interest, where it applies
Where a loan carries interest, that interest is revenue. On a 0% APR plan the cost is carried by the business instead of you — a real 0%, not interest deferred until a deadline.
Not from fees on you
No origination fee, no late fee, no prepayment penalty. We don't earn when something goes wrong for you, which is deliberate.
If you don't know how a financial company earns, you can't judge whether its advice serves you. Ours earns when a job gets done and a loan is repaid on schedule — which is why our comparisons will tell you when a different option is cheaper for you.
Get in touch
Questions about your account?
Support is handled by email, so there's a written record of every exchange. That's more useful than a phone call when the subject is a loan agreement.
[email protected]About Wisetack — common questions
We provide pay-over-time financing for services you book in person — home improvement, auto repair, dental, veterinary, and medical care. Financing is offered through the business doing your work, so you usually meet it on an estimate or a treatment plan rather than by seeking out a lender.
No. Payment options are provided by licensed lending partners, which means your credit agreement is with a regulated lender. This structure is standard for point-of-sale financing.
Primarily through the service businesses that offer financing and, where applicable, interest on loans. That's why 0% APR offers can exist at all — and why there are no origination, late, or prepayment fees charged to you.
Support is handled by email so there's a written record of every exchange, which is more useful than a call when the subject is a loan agreement. You can reach us at [email protected].
Availability and terms vary by state, and state interest rate caps may apply. The application shows what's available for your location.
See what we'd offer you
Checking your rate takes about two minutes and won't affect your credit score.