Financing

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 loan options does not 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. Once approved, you will receive several loan options to choose from—with various term lengths and monthly payment amounts. 

When you take out a loan, Wisetack pays the service provider directly, and you pay us over time.

All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Some restrictions apply. Your rate may be higher based on your credit history and other qualifying criteria. Interest rates and monthly payment information are only estimates. Actual rates and monthly payment amounts are based on your personal credit history and will be provided upon receipt of a completed loan application that has been approved. For example, a $1,000 purchase could cost $45.18 a month for 24 months, based on a 7.9% APR.

The rate you get with Wisetack may be lower than the rate your credit card company charges for maintaining a balance. Wisetack loans are 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 taking out a loan with a fixed term for a specific purpose may be more affordable than a credit card