Wisetack

Text-to-Apply

Technician enters customer phone number; customer receives SMS, completes prequal, and sees 6 offers in about 60 seconds.

Soft Credit Check

Prequalification uses a soft pull so customers can see their offers without impacting their FICO.

Transparent Pricing

3.9% flat merchant fee with no monthly minimums and no activation fees.

Housecall Pro & Jobber Integrations

Native integrations let HVAC techs generate Wisetack links and track financed invoices directly inside their job workflow.

Celtic Bank Partnership

Loans are originated by Utah-based Celtic Bank.

Merchant Portal

Clean, modern portal for sending prequalifications, tracking applications, and seeing funding status.

Pros

• +Fastest, lowest-friction customer apply experience in the category
• +Transparent flat 3.9% merchant fee, no hidden dealer costs
• +Soft credit check protects customer FICO and boosts engagement
• +Deep native integrations with Housecall Pro and Jobber
• +No monthly minimums or setup fees - great for small HVAC shops

Cons

• −Loan cap (~$25K) is below competitors for high-ticket system replacements
• −Less subprime coverage than Foundation Finance
• −Fewer promotional plan types than Synchrony or Service Finance
• −Not all customers qualify for extended 0% APR offers
• −Newer platform (founded 2018) with shorter HVAC industry track record

“I love Wisetack! My customers that use Wisetack call me back and say they have the best customer service and everything.”

— Christian Escobar, , Escobar Premier Dental PLLC

“Wisetack is EASY. I’ve used other lenders, but they were slower, more expensive, and worse for customers.”

— Owner, , Hunter Electrical

“By far the best financing company I’ve used for my customers. Integrated into my CRM and makes for ease of use.”

— Dean McManus, , Action Steam Cleaning LLC