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What You Get With Wisetack Payment Plans

Wisetack financing is designed specifically for service businesses like excavation and land clearing. Unlike retail “buy now, pay later” apps, Wisetack handles large projects with flexible terms and transparent pricing.

  • Affordable monthly options: Break project costs ($500–$25,000) into monthly payments with terms up to 60 months and APR shown before you choose.
  • Transparent upfront pricing: See your exact monthly payment, loan term, and interest before you commit (no hidden costs).
  • No credit score impact to check options: A soft credit check shows your plans without affecting your credit.
  • 74% approval rate: Most applicants qualify and see real terms based on their credit profile.
Prequalify Now
Financing Disclosure All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our 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. See additional terms at http://wisetack.com/faqs.
HOW IT WORKS

Simple Application, Fast Approval, Clear Terms

Wisetack financing works differently than credit cards or traditional loans. You apply on your phone, we complete your project, and you make fixed monthly payments to Wisetack while we've already been paid in full.

Step 1: Get Your Project Estimate

We walk your property, review the scope, and provide a clear project estimate before any financing is discussed.

Step 2: Check Payment Options

If you want to finance, we text you a secure Wisetack link. You’ll enter basic info, verify with a text code, and see available monthly payment plans in about a minute.

Step 3: Choose a Plan and Schedule the Work

Select the payment term and monthly amount that fits your budget. Once approved, we schedule and complete your project like any other job.

Step 4: Pay Monthly After Completion

After confirming the job is complete, you make fixed monthly payments directly to Wisetack over your chosen term. We’re already paid in full.

WHY WISETACK BEATS CREDIT CARDS

Made for Larger Dirt Work Projects in Northern Oklahoma

Wisetack is built for larger land and excavation projects where credit cards fall apart on limits, interest, and predictability.

  • Simple interest, not compounding balances: Interest is calculated on the original amount, not a growing balance like most credit cards.
  • Clear terms with no payoff penalties: No prepayment penalties, full APR disclosure up front, and the ability to pay early to reduce total interest.
  • Higher limits for real projects: Many credit cards cap out at lower limits. Wisetack can approve up to $25,000 for qualified customers.
  • Fixed monthly payments: Your payment amount stays the same for the full term, unlike credit cards where minimums and rates can change.
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FAQ

Frequently Asked Questions About Wisetack Financing

Will checking my financing options hurt my credit score?
No. Checking eligibility uses only a soft credit pull that does not affect your credit score. You can see all available payment options with zero credit impact. A hard credit pull only happens after you accept an offer and we complete your project.

You’ll likely still qualify. Wisetack approves 74% of applicants, including those with credit scores in the mid-500s. Lower credit scores result in higher interest rates, but you’ll still see available options when you apply.

Interest rates range from 0% to 35.9% APR based on your creditworthiness. Payment terms range from 3 to 60 months. Customers with credit scores in the low 700s typically qualify for extended 0% APR offers. The application shows your specific rate and term options.
Yes. Wisetack charges no prepayment penalties. Paying off your balance early reduces the total interest you’ll pay—unlike credit cards that keep charging interest on remaining balances.
Wisetack financing covers projects from $500 to $25,000. For larger excavation jobs exceeding $25,000, we can structure payment with a portion financed through Wisetack and the remainder paid traditionally.
You’ll see your financing options within 60 seconds of submitting your application. Once you accept terms and we complete your project, Wisetack pays us shortly after the job is completed and confirmed, then sets up your monthly payment schedule.
Missed payments accrue interest and may be reported to credit bureaus. Late or incomplete payments can negatively affect your credit score.

Have Questions About Cost or Financing?

If you want to talk through your project, pricing, or how Wisetack payments would look for your job, reach out. We’ll answer your questions and give you a clear next step.

Call (870) 615-0248