Finance home projects and pay over time — from $200 to $5,000
From a new HVAC system to a surprise plumbing repair, Wisetack lets you split the cost of home improvement into easy monthly payments. Rates as low as 0% APR, no hidden fees, and checking your rate won't affect your credit score.
Soft credit check · No impact to your credit score
Home projects you can finance with Wisetack
Cover a planned upgrade or an unexpected home emergency and spread the cost over time — most home improvement work from $200 to $5,000 is eligible.
HVAC & heating
Furnace, AC, heat pump, and full system replacements — pay for essential comfort upgrades in manageable monthly installments.
Roofing & gutters
Roof repair, full re-roofing, and gutter work — finance the project instead of draining your savings all at once.
Plumbing & water
Water heaters, leaks, repiping, and fixture upgrades — get a fast decision so you can fix urgent problems now.
Electrical work
Panel upgrades, rewiring, and lighting — finance safe, code-compliant electrical improvements over time.
Remodeling & renovation
Kitchens, bathrooms, flooring, and additions — split larger remodels into predictable monthly payments.
Windows, doors & more
Energy-efficient windows, doors, siding, and outdoor projects — finance upgrades that add comfort and value.
How home improvement financing works
Apply from your phone while you're getting a quote from your contractor or from home. Most people get a decision in seconds.
Check your rate
Enter a few details to see your personalized offers. It only takes a soft credit check, so your credit score isn't affected.
Choose your plan
Compare monthly payment options and terms. Pick the plan that fits your budget — with 0% APR available for qualified borrowers.
Start your project
Your contractor is paid, your project moves forward, and you pay over time in simple monthly installments with no prepayment penalty.
Clear financing rates and terms
No origination fees, no prepayment penalties, and no surprises. Here's what to expect.
Your actual rate and term depend on your creditworthiness and the amount financed. Qualified borrowers may receive promotional 0% APR offers. Estimate a monthly payment
What your monthly payment could look like
Real examples for common needs. Your actual offer depends on your creditworthiness and the amount financed.
A minor repair or small fix
Plumbing, electrical, or a small remodel
HVAC replacement or a larger renovation
Examples are illustrative only and not an offer of credit. 0% APR offers are available to qualified borrowers; APRs range from 0% to 35.9%. Check your rate to see your personalized options.
Do you qualify for home improvement financing?
Most applicants qualify in minutes. You'll generally need to meet a few basic requirements:
- Be at least 18 years old (19 in some states)
- Have a valid U.S. bank account and phone number
- Provide a valid Social Security or ITIN number
- Show a steady source of income
Check your rate in minutes
See your personalized monthly payment options with a soft credit check that won't affect your credit score. There's no obligation and no cost to apply.
Check Your RateReal homeowners who financed their projects
See how Wisetack helped people cover HVAC, roofing, and emergency home repairs.
Financed my HVAC replacement at 0% APR
My AC died in July and I couldn't pay $4,500 upfront. I qualified for a 0% APR plan and split it into easy monthly payments — the soft credit check didn't touch my score. Best way to handle an emergency home repair.
Covered a surprise roof repair without draining savings
A storm damaged our roof and the bill was steep. Wisetack let me pay over time with clear terms and no surprise fees. Approved in seconds right from my phone.
Remodeled our kitchen with predictable payments
We financed a mid-size kitchen remodel and loved having a fixed monthly payment instead of a revolving credit card balance. Paid it off early with no penalty.
Home improvement financing vs. other ways to pay
How paying over time with Wisetack compares to a credit card or a HELOC.
| Feature | Wisetack | Credit card | HELOC |
|---|---|---|---|
| Check rate without credit impact | Yes — soft check | No | Hard pull |
| Speed to funds | Minutes | Instant | Weeks |
| 0% APR options | Yes, qualified | Intro only | No |
| Uses your home as collateral | No | No | Yes |
| Fixed monthly payment | Yes | Revolving | Varies |
| Hidden or late fees | No hidden fees | Yes | Closing costs |
Comparison is for general information only; terms vary by provider and applicant.
Typical home project costs you can finance
Approximate national price ranges. Wisetack financing covers most projects from $200 to $5,000.
Price ranges are national averages for general reference and vary by provider, location, and case complexity. They are not quotes or offers.
Home Improvement financing questions, answered
Everything you need to know about paying over time with Wisetack.
Wisetack looks at more than your credit score alone. Checking your rate uses a soft credit inquiry that won't affect your credit score, so you can see whether you prequalify with no risk. Your approval and APR depend on your overall creditworthiness and the amount you request.
You can pay over time for HVAC, roofing, plumbing, electrical, water heaters, remodeling, windows, doors, and emergency repairs. Financing covers most projects from $200 to $5,000.
Yes. Qualified borrowers may receive promotional 0% APR offers, which means no interest when you pay on schedule. APRs otherwise range from 0% to 35.9% based on your creditworthiness and the amount financed.
No. Checking your rate is a soft credit inquiry that has no impact on your credit score. A hard inquiry only happens if you choose to accept a loan offer.
No. Wisetack financing is an unsecured personal loan for your project, so it doesn't put a lien on your home the way a HELOC or home equity loan does.
You can use Wisetack with any contractor that offers it at checkout. If yours doesn't, ask them to send you a Wisetack link so you can apply for your project.
Most applicants get a decision within seconds. The whole process usually takes less than a few minutes from your phone, so you can move forward with your project quickly.
No. There are no origination fees, no prepayment penalties, and no late fees. You can pay your loan off early and only pay for the time you borrow.
There is no single cutoff score. Wisetack weighs several factors beyond your score alone, and checking your rate is a soft inquiry that won't affect your credit, so it's worth seeing your options even if your credit isn't perfect.
Still deciding? Read all Wisetack FAQs or learn how Wisetack compares to Affirm, Klarna, and CareCredit.
Keep exploring your options
How Wisetack works
See the full application, approval, and repayment process from start to finish.
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Estimate a monthly payment for your treatment across different terms.
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Ready to finance your home improvement?
Check your rate in minutes with no impact on your credit score. Clear terms, 0% APR options, and no hidden fees.