It takes less than a minute to see your options, and checking your eligibility doesn't impact your credit score.
Fast and Easy - Quick application to see your options within seconds No Hidden Fees - See exactly what you’ll pay right from the start No Impact to Check - Checking eligibility doesn't impact your credit score
Use These Steps to Get Started
Click on the Wisetack link and enter some basic information.
If approved, you’ll see up to 6 options. The monthly payment amount and total cost for each is clearly outlined. Simply choose what works best for you.
When completed, your service provider receives the payment in full, while you pay over time. It’s that simple.
Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 904-921-3725 today!
How does Wisetack financing 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 . 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.
Can I use Wisetack without a mobile phone number?
Unfortunately, no. You need a mobile phone number in order to use Wisetack. For security purposes, we send you a verification code via SMS when accessing the application.
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.
You can learn about the difference between a soft versus hard credit check here.
Will taking out a loan impact my credit score?
Accepting a financing offer can affect credit. Repayment behavior will also affect credit — paying back on time can have a positive impact while paying late will have a negative impact. It’s easy to set up automatic payments to ensure on time payments and help build a positive credit history.
Checking your eligibility for financing does not impact your credit score (learn more here).
Why does my credit score vary, and what causes it to change?
There is no "one" credit score, as it turns out. The article below explains why credit scores vary and all the major factors that can cause a change in credit scores:
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