Financing

Get Approved in Minutes, Right From Your Phone

Wisetack financing is fast, simple, and built for homeowners:

1. Request your quote. Call us or schedule online and we'll assess your job.
2. Check your options. We'll send you a link directly to your phone. Checking your options takes seconds and does not affect your credit score.
3. Pick a plan that fits your budget. Choose from up to 8 payment options on the spot.
4. We get to work. Once approved, we schedule your service and get the job done.

Financing Plans That Fit Any Budget

We know every homeowner's situation is different. That's why Wisetack offers a range of options:

• Available on jobs from $500 to $65,000
• Up to 8 payment plan options per customer
• Terms from 3 to 120 months, short-term or long-term, you choose
• Rates as low as 0% APR on qualifying plans
• Decisions made 24/7, even nights and weekends
• No impact to your credit score just for checking your options
• No prepaid finance charges or participation fees

Example: A $5,500 job could be as low as $253.54/month for 24 months at 9.9% APR, or $1,833.33/month for 3 months at 0% APR.

Most Major Services Qualify

Financing is available for a wide range of our services, including:

• Water Heater Installation & Replacement
• Tankless Water Heater Upgrades
• Whole-Home Repiping
• Trenchless Sewer Repair & Sewer Line Replacement
• Drain Cleaning & Hydro Jetting
• Gas Line Repair & Installation
• Slab Leak Repair
• Bathroom Remodeling
• Water Filtration & Softener Systems
• And more, ask us about your specific project

Don't Let Cost Hold You Back

Call us today at 831-279-2292 or request a quote below. We'll walk you through your financing options at no obligation.

Financing FAQs

Will checking my financing options hurt my credit score?
No. Checking your available options through Wisetack uses a soft credit check, which does not impact your credit score.

How fast will I get a decision?
Most customers receive a decision in seconds, 24 hours a day, 7 days a week, including nights and weekends.

What's the minimum job size to qualify for financing?
Financing is available on jobs starting at $500.

What's the maximum I can finance?
You can finance projects up to $65,000 through Wisetack.

Are there any fees to use financing?
There are no prepaid finance charges or participation fees for customers. You simply pay your monthly installment according to the plan you choose.

What if I want to pay it off early?
There are no prepayment penalties, you can pay off your balance early at any time.

All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $5,500 purchase could cost $253.54 per month for 24 months, based on a 9.9% APR, or $1,833.33 per month for 3 months, based on a 0% APR. Offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lending partners participate in 0% interest programs. Terms range from 3–120 months and may vary based on merchant, lending partner, or transaction size. State interest rate caps may apply. No prepaid finance charges or participation fees. See additional terms at wisetack.com/faqs.