• Why would I use Wisetack instead of a credit card?
      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 exactly what they will pay every month and find that taking out a loan with a fixed term for a specific purpose may be more affordable than a credit card.
    • Can I use Wisetack without a mobile phone?

      Unfortunately, no. You need a mobile phone number in order to use Wisetack.

    • How do I apply for financing with Wisetack?

      After the cost of your repair has been determined and prior to performing the work, the technician will send you a link to apply.

    • What will my payment be?

      You may use the Wisetack Calculator to figure out an estimated payment range.

    • Do you offer a variety of payment terms?

      Yes! Wisetack offers a variety of interest rates (as low as 0.0%) and payment term lengths (from 3 months up to 36 months).

    • Do you offer a "Same as Cash" option?

      Yes! Wisetack offers a 3 month same as cash (0.0% interest).

    • Will applying impact my credit score?

      No! Checking your options with Wisetack does not impact your credit score, as we only do a soft credit check rather than a hard pull on your credit report.

    • What credit score do I need to quality?

      Currently, a FICO score of 620 is needed to qualify.