Flexible Financing, Built Around Your Budget

You can finance up to $25,000 for your project through Wisetack. That means whether you’re replacing your roof, updating your siding, or giving your home a full exterior refresh, you have room to get it done without needing to pay it all upfront.

Loan terms range from 3 to 60 months, so you can choose a timeline that suits your budget. Whether you’d prefer to pay things off quickly or spread out payments over a few years, you’ll see all your options upfront, including the monthly amount and interest rates, before making a decision.

Nope. Wisetack keeps it simple and transparent. There are no prepayment penalties, late fees, compounding interest, or hidden charges. What you see is what you get, and you’ll always know exactly what your monthly payment will be.

Most people complete it in under a minute. You’ll answer a few basic questions and get your financing options almost instantly.

To apply, you’ll need a valid mobile number to receive a one-time SMS verification code, plus input a few key pieces of information [name, email, SSN and annual income] to confirm your identity.

Wisetack financing often offers lower and more predictable interest rates than most credit cards, and unlike credit cards, there’s no compounding interest or surprise charges.

Yes, you can pay off your loan anytime, with no penalties. If you decide to make extra payments or clear your balance early, you’ll save on interest and won’t be charged anything extra. It's totally up to you.