I really didn't think I would qualify for financing for an emergency plumbing repair but was pleasantly surprised by how quickly I did. It covered my repair and gave me workable options for repayme... See more
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Review summary
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You, as the intermediary loan funding source, between Gemstone Lights and U.S. Bank made the process very intuitive and simple from start to end where I didn't have issues or need customer support hel... See more
I had outdoor water line leakage so Icalled Home Pros to come repair the leak. Upon arrival ,they focused on the best correction to solve the continued problem and suggested replacing the main line. W... See more
Smooth, quick, painless, professional! And I had control of releasing the funds AFTER services were correctly performed. An option another company does not offer. Whom I'll never use again!! Thank you... See more
Company details
Written by the company
Wisetack is the leading Pay Over Time platform for in-person services. Wisetack partners with top SaaS service companies to embed consumer financing directly into their software through a simple API integration. We work with various industries such as home services, dental, elective medical, automotive, veterinary and legal. Service businesses rely on Wisetack to offer their customers flexible point of sale financing, enabling them to quickly and easily pay over time for essential services. Quick decisions, clear terms, and no tricks. What could be better? We're proud to be building a financing option that customers actually love.
Contact info
United States
- 1(833) 927-0333
- support@wisetack.com
- www.wisetack.com
4.8
Excellent
932 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 48 hours
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Reply from Wisetack
Thank you so much, Kevin! We're so glad the process was quick and easy from start to finish — that's exactly what we aim for. We're here whenever you need us!
Easy to link to my checking account to…
Easy to link to my checking account to set up auto pay. Good electronic communication reminders and follow up.
June 25, 2026
Reply from Wisetack
Thanks for the 5 stars, Jeff! We're glad to hear it the autopay process was easy and met your expectations. Cheers!
Reply from Wisetack
Thanks for the kind words, law! We appreciate the review.
Bait and Switch! Avoid this company!
Wisetack led me to believe that I qualified for 0% financing for my A/C purchase, but when I tried to pay 1/2 the invoice with the amount "approved" there was no way to do this. When I called, they told me that this was just my "initial" approval. I call BS! I would never have unfrozen my credit or let them look at it if I had known they would do this or that it was even possible.
In reply to Wisetack’s response, I have to double down on my criticism. I applied for the original amount of the invoice but Wisetack only approved me for 50%. Invoice arrives - I have am required to accept an almost 10% interest rate to finance my purchase for the full amount. I had a credit score of > 800 - in no world would that deny me credit for the full amount. Bait and switch - make me open up and impact my credit, only approve me for 50% and then subject me to a predatory loan for the full amount! Totally NOT ethical. Fortunately, I’m in a position to say FU! I feel sorry for and am warning those who are not as fortunate.
June 24, 2026
Unprompted review
Reply from Wisetack
Hi Maria, thank you for taking the time to share your feedback. We're sorry this experience was frustrating and understand why it caused confusion.
Based on our review, the amount you prequalified for was less than the amount submitted in the formal loan app. Because financing offers are based on the requested loan amount and other application details, the available options for the higher loan amount differed from those shown during prequalification.
We know that's not the outcome you were hoping for, and we appreciate your feedback on how the process was communicated and how we can improve our user experience to ensure expectations are better met.
I do appreciate the willingness to work…
I do appreciate the willingness to work with you. Say like getting hurt or life's unknown joys. However when they give you an extension but set a date that autopsy. But you explicitly say not to (so one thinks its not setup). So you pay the bill and the next month as a sign of good faith..... HOWEVER it was setup for autopsy and they take said money that you already paid *awesome*. As for reimbursement they'll move on turtle time...
So you simply say use that payment for the followings month bill... (pause) ...well absolutely no well just use if for you total bill.
So if youre lucky enough for this just know youre sol. And agent will just talk over you the whole time. Just avoid this at all cost.
#thanksformakingmeshortonrentandcost7ngmemoremoney
And via theyre mess up
May 25, 2026
Unprompted review
Reply from Wisetack
Thank you for taking the time to share this, Michael. We understand how uncertainty around payments can be frustrating, especially when it impacts other parts of your life.
We did want to clarify that automatic payments were never set up on your account — the payments that came through were one-time payments scheduled directly. Our payments team connected with you on May 29th to walk through each payment in detail, along with the terms that applied and why each amount was charged.
We're committed to transparency, and our team is always available if there's anything more we can help clarify. You can reach us at 1 (888) 711-5854 (Monday–Friday, 9:00 AM–6:00 PM ET).
Wisetack made it possible to have a 0%…
Wisetack made it possible to have a 0% loan. The only thing I would prefer is to have a bill mailed to me and I could pay from my bank account every month like I do my other bills. It is a good option for me to pay off a renovation
February 24, 2026
Reply from Wisetack
Thank you for your feedback, Sarah! We're so glad Wisetack made it possible for you to finance your renovation with a 0% financing option.
We appreciate your suggestion about receiving a paper bill. Wisetack works with a number of lending partners, so the available payment and billing options can vary depending on your lending partner. You can learn more about managing your payments, including whether paying by check is available for your loan, here: https://support.wisetack.com/hc/en-us/articles/9874934945307-Manage-payment-methods
Thank you for choosing Wisetack, and we wish you all the best with your renovation!
Very unhappy about this company after a…
Very unhappy about this company after a week and half and back and forth, giving me a bunch of option.The very last minute change my loan.I am not very happy with these people.They're a bunch of blood sucker, and they can change their mind anytime.Stay away from them
May 5, 2026
Unprompted review
Reply from Wisetack
Hi Reza, thank you for sharing your feedback. We understand there may have been some confusion between the prequalification process and the final loan application.
Please note that prequalification serves as an estimate only, and financing approval and terms are not guaranteed at that stage. The actual loan terms are determined during the full financing application and review process, where additional credit and verification information may impact the final offer.
We understand this can be disappointing, and we appreciate you taking the time to share your experience. We're always trying to improve the borrowing experience.
Should say upfront
You should say upfront that you may request photos of IDs and Tax forms. I will not send photos of my social security card or my w2. You have my SS number, and can run a credit check. You don't need a photo of it. I have an 840 credit score. You shouldn't be asking.
April 14, 2026
Unprompted review
Reply from Wisetack
We're sorry to hear this felt unexpected, and we appreciate you sharing your perspective, MaryLou.
In some cases, additional identity verification is required during the application process. This can happen if we're unable to fully verify the information provided, or based on the loan details and requirements from our lending partners. When this applies, borrowers are prompted to securely upload a valid ID to confirm their identity and protect against fraud.
We understand that providing documents like this can feel sensitive, and we take that feedback seriously as we work to make the process as clear and transparent as possible. If you'd like to talk to our support team directly, you can reach them at support@wisetack.com or call or text 1 (833) 927-0333, Mon–Fri 9am–8pm, Sat 9am–6pm ET.
did that already
April 8, 2026
Reply from Wisetack
We appreciate you taking the time to leave us reviews, James!
Reply from Wisetack
That's what we love to hear! Thanks for the review, Jon.
Reply from Wisetack
Music to our ears — thanks for the review, Karen!
Application Process
April 6, 2026
Reply from Wisetack
We're happy to hear you'd give the application process 5 stars. Thanks, Aleck!
I was getting a loan and it was easy to…
I was getting a loan and it was easy to do it online.
April 6, 2026
Reply from Wisetack
Exactly what we strive for — thanks, Bonnie!
Great Financial Company …
Using Wisetack for my financial needs to remodel my Kitchen was very easy the process was seamless. Once I submitted my application online, I received an approval within minutes. The approval was good for 3 months and I had the option to select the terms of repayment. I really like that I could repay my loan off early without penalties. The customer services is great the agent was helpful, polite, friendly and professional when addressing my questions or concerns. In the future if I am looking to finance my next big home project I would use Wisetack. I highly recommend this service for someone who is looking for a financial company for home improvement.
April 6, 2026
Reply from Wisetack
Thank you for the kind words, Loretta! We're so glad to hear the process was easy and seamless, and that our team was able to provide helpful, friendly support along the way. We appreciate your recommendation and would be happy to help again with any future home projects!
Easy to apply
It was easy to do and very professional. I trust them and we are on autopay so I don’t have to worry about it
April 6, 2026
Reply from Wisetack
Easy is our middle name! We're so glad the application process was smooth and that AutoPay makes managing your payments stress-free. Thanks for trusting Wisetack with your financing, and we appreciate you choosing us!
The process was very easy and…
The process was very easy and understanding.
The only thing that they should have is the ability to release partial funds in stead of the whole.
April 3, 2026
Reply from Wisetack
Thank you for the feedback! We're so glad the financing process was easy and straightforward. We also appreciate your suggestion about releasing partial funds and will be sure to share it with our team as we continue improving the experience. Thanks for choosing Wisetack!
All that the rep (Chris) promise has…
All that the rep (Chris) promise has been fulfilled, except the cleanup on tomorrow.
April 3, 2026
Reply from Wisetack
Thank you for your review! We're glad to hear Chris delivered on his promises. It sounds like your feedback may be about your contractor's cleanup schedule rather than Wisetack. We hope everything is completed to your satisfaction, and thank you for choosing Wisetack for your financing needs!
My name is Jeremy Garrett
My name is Jeremy Garrett, Worked with anytime heating and air, they did a fantastic job. Straight forward with the repair needed would like to give a big thanks to Jake with anytime heating and air he did a great job and was on time.
April 2, 2026
Reply from Wisetack
Thank you for your review, Jeremy! We're thrilled to hear you had such a positive experience with your home improvement project. While we're glad Anytime Heating and Air and Jake took great care of you, we also appreciate you choosing Wisetack to help finance your project. We wish you all the best and hope to be there for any future home improvement needs!
Fast
Fast, easy to understand, answered all the possible questions before they could be asked. Very professional, website was very clear, very good experience.
April 2, 2026
Reply from Wisetack
Thank you for the wonderful review, Vivien! We're so glad to hear the process was fast, easy to understand, and that our website made everything clear. Thanks for choosing Wisetack!
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