How much does integrated consumer financing cost?

The only cost to you is a 3.9% fee per transaction. There are no subscription or credit card processing fees on top of that.

Will my customer's credit score be affected?

Not when checking options – Wisetack and its lending partners perform a soft credit pull, which means that your customer’s credit score will not be affected by checking their financing options. However, accepting a financing offer can affect credit, and repayment behavior will also affect credit.

Do I need to ask my customer for SSN or their yearly income?

No – you can skip the whole process of asking your customers for sensitive information. Customers can apply for financing from the privacy and comfort of their own device.

Can my customers know how much they qualify for before the job is agreed to?

Yes – your customers can see which options they prequalify for on an estimate.

Are there 0% APR options available through integrated consumer financing?

Yes, qualified customers will see rates as low as 0% APR.

How will I know if I got paid?

Your payment will show up as a ‘pending transaction’ when your customer accepts terms and conditions. When the job is completed, there will be a payout as if the transaction were made with a credit card.

What is consumer financing?

Great question! Consumer financing lets your customer break the cost of a job into smaller monthly payments. You can learn more about what it is, how it works, and how to promote it in this blog on the topic of “What is consumer financing“.

POWERED BY WISETACK

Win more jobs with consumer financing

Let your customers pay over time while you get paid in full once the job is complete. Close bigger jobs more frequently and easily, all within Housecall Pro.

Already a customer? Get started with Consumer Financing >>

Pro using helping customer with financing on phone

More sales, bigger wins, happier customers

Consumer financing makes it easy for your customers to say ‘yes’ to premium services by breaking up the project cost into monthly payments. Financing is automatically offered on invoices and estimates between $500 and $25,000.

Let customers prequalify beforehand so they can borrow with confidence
Offer loans as high as $25,000 with terms up to 60 months¹, backed by high approval rates of 80%+²
Get paid in full as soon as the job is finished, while your customer pays over time

Learn more

Quick customer applications

Skip the paperwork – your customers apply online to get an approval decision instantly. That means you don’t need to ask for any more SSNs, yearly incomes, or other kinds of sensitive information!

Your customers can apply securely from their mobile device and get an approval decision in minutes
Applying has zero impact on their credit score
Keep track of the entire consumer financing process within your Housecall Pro account

Learn more

Wisetack consumer financing, homeowner approved on mobile phone

Transparent terms and pricing

Win customers over by giving them the confidence and flexibility to finance with simple and transparent pricing.

Give your customers multiple options, with interest rates as low as 0% APR for up to 24 months¹
Your customers pay no origination, prepayment, or late fees, with no compounding interest
You pay only a flat fee of 3.9% per transaction (excluding 0% APR add-ons)

Learn more

Our customers tell us how simple and easy it is to apply and get approved. It has saved us from losing many jobs. We love Wisetack!

Mitchell T., Admin
Comfort Pro Heating and Cooling
Fresno CA

Get In Touch: 858-842-5746

Let us earn your trust

On average, Pros increase monthly revenue generated through Housecall Pro by 35% after their first year.

Already a customer? Get started with consumer financing >>

See plan options and feature breakdown on our pricing page.

See details about HCP Payments processing fees in our help article.

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Consumer Financing FAQs

How much does integrated consumer financing cost?: The only cost to you is a 3.9% fee per transaction. There are no subscription or credit card processing fees on top of that.
Will my customer’s credit score be affected?: Not when checking options – Wisetack and its lending partners perform a soft credit pull, which means that your customer’s credit score will not be affected by checking their financing options. However, accepting a financing offer can affect credit, and repayment behavior will also affect credit.
Do I need to ask my customer for SSN or their yearly income?: No – you can skip the whole process of asking your customers for sensitive information. Customers can apply for financing from the privacy and comfort of their own device.
Can my customers know how much they qualify for before the job is agreed to?: Yes – your customers can see which options they prequalify for on an estimate.
Are there 0% APR options available through integrated consumer financing?: Yes, qualified customers will see rates as low as 0% APR.
How will I know if I got paid?: Your payment will show up as a ‘pending transaction’ when your customer accepts terms and conditions. When the job is completed, there will be a payout as if the transaction were made with a credit card.
What is consumer financing?: Great question! Consumer financing lets your customer break the cost of a job into smaller monthly payments. You can learn more about what it is, how it works, and how to promote it in this blog on the topic of “What is consumer financing“.

¹All financing is subject to credit approval. Your terms may vary. Payment options
through Wisetack are provided by Wisetack’s lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. No other financing charges or participation fees. See additional terms at Wisetack FAQs.

²Source: Wisteack’s internal data 2024

CONSUMER FINANCING

Flexible financing to win more jobs

Let customers pay over time while you get paid in full once the job is complete. Close bigger jobs faster.

Three monthly consumer financing plans by Wisetack +Housecall Pro

Turn more estimates into sales

Monthly payments

Let customers break projects into monthly payments that fit their budget.

Instant approvals

Offer instant financing approval decisions with a quick online application.

Transparent terms

Build trust with upfront pricing and clear, predictable payment terms.

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Our customers tell us how simple and easy it is… It’s saved us from losing jobs.

MITCHELL T | COMFORT PRO HEATING & COOLING

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WISETACK FINANCING IN HOUSECALL PRO

Consumer financing, made easy

Financing Terms

Two customer financing options in service estimate

Flexible options to close with confidence

Make it easy for your customers to say yes to services by breaking up the project cost into monthly payments.

Let customers pre-qualify, so they can borrow with confidence.
Finance jobs between $500 and $25,000 with terms up to 60 months*, backed by high approval rates of 80%+.**
Get paid in full as soon as the job is finished, while your customer pays over time.

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by Wisetack’s lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. No other financing charges or participation fees. See additional terms at Wisetack FAQs.

** Source: Wisteack’s internal data 2024

Payment Options

Financing approval plan options for customers

Build trust with transparent terms and pricing

Win more jobs by giving customers the confidence and flexibility to finance with clear, upfront pricing.

Offer your customers multiple options, with interest rates as low as 0% APR for up to 24 months.*
Customers pay no origination, prepayment, or late fees—plus no compounding interest.
You pay just a flat 3.9% per transaction (excluding 0% APR add-ons).

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by Wisetack’s lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. No other financing charges or participation fees. See additional terms at Wisetack FAQs.

Apply Online

Prequalify for consumer financing solutions

Offer a quick application with no credit impact

Your customers apply online and get an instant decision—without sharing sensitive information with you.

Customers can apply securely from their mobile device and receive an approval in minutes.
Applications have zero impact on their credit score.
No paperwork, no hassle—just a fast, secure approval process.

Integrations

Consumer financing quote notification on mobile phone

Seamless financing, built into your workflow

Give customers an easy way to finance right from your estimates and invoices—no extra steps.

Offer financing through our partners directly in Housecall Pro.
Send applications straight to your customers’ mobile devices.
Help customers pre-qualify on sales proposals to close jobs faster.

Trusted by 200K+ Pros.
Built for teams of 1 to 100+

100 M+

pro jobs completed
35 %

avg. pro revenue growth*
8 +

avg. hours saved per week

Start free trial

*Data based on average monthly revenue generated through Housecall Pro after the first year of using the platform.

Additional features

Field service invoicing software from Housecall Pro

Invoices

Send professional invoices, automate reminders, and offer flexible payment options to get paid faster.

Estimates

Create polished, detailed estimates in minutes and send by email or text for instant customer approval.

Customer Portal

A central hub for your customers to view job details, make payments, and manage their accounts.

QuickBooks sync

Simplify accounting and ensure accurate finances with Housecall Pro QuickBooks integration.