Financing

How Our Financing Works

We’re now offering fast and simple financing to customers on purchases between $500 and $25,000* through Wisetack.

With Wisetack, you can select the option that best fits your budget and pay in easy monthly installments rather than all at once upfront.

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Fast & Easy

The application takes about a minute to complete.

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No Hidden Fees

There are no penalties, fees, or compounding interest.

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Options For You

You choose the monthly payment amount that works best for you.

Contact Us About Financing

*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. No other financing charges or participation fees. See additional terms at http://wisetack.com/faqs

Frequently Asked Questions

How Does Wisetack 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.

Why would I use Wisetack instead of using 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.

Will viewing my financing 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.