- Wisetack publishes a flat 3.9% per transaction for jobs from $500 to $65,000.
- Acorn Finance and Hearth have $0 dealer fees; Hearth is a subscription.
- Service Finance, Sunbit and Synchrony do not publish what a contractor pays.
- Koira's pay page offers Affirm or Klarna on invoices from $50 to $30,000, with nothing to apply for.
The short version
Customer financing lets a homeowner pay for a job over time while you get paid in full. There are three ways to offer it: a buy now, pay later option on your pay page, a lender program you enroll in as a dealer or merchant, or a marketplace where the customer compares personal loans.
They differ in who pays the fee, how big a job they cover, and when you get your money. The table below puts all of them in the same columns, from each provider's own pages.
Every provider, side by side
| How the customer pays | Amounts | Terms | Customer APR | Your cost per job | When you are paid | Setup | |
|---|---|---|---|---|---|---|---|
| Koira pay page | Affirm or Klarna, chosen by the customer on Koira's pay page | Invoices from $50 to $30,000 | Set by Affirm or Klarna | Set by Affirm or Klarna; the customer sees it when they apply | Stripe's rate (Affirm 6% + 30¢, Klarna 5.99% + 30¢) plus Koira's 2%, 1% or 0.5% by plan | Into your own Stripe account, like a card payment | Nothing to apply for; it is part of the pay page on every plan |
| Service Finance | Installment loans: no interest, deferred interest and long-term plans | Not published | Promotional and standard installment terms; not published by amount | Not published; set by the plan the dealer offers | Not published; set in the dealer agreement | By ACH once the work is complete and the customer authorizes it | Apply to become a dealer |
| GreenSky | Installment loans from partner banks, including promotional plans | Credit limits up to $100,000 | Fixed-rate installment loans and promotional plans; not published by amount | As low as 0%, varying by plan | A fee each time you run a transaction; amount on request, invoiced monthly | Within two business days after the customer authorizes | Apply to become a GreenSky merchant |
| Wisetack | Loans from Wisetack's lending partners, sent by text or a link on the invoice | $500 to $65,000 | 3 months to 10 years | 0% to 35.9%, by amount and credit | A flat 3.9% per transaction; a variable fee for extended 0% plans | Sent next business day after the customer confirms; 1 to 3 business days to land | No setup cost or subscription; sign up, or use it inside your field service software |
| Sunbit | Pay over time loans at checkout, plus a Sunbit credit card | $50 to $20,000 | 3 to 72 months | 0% to 35.99%, by credit and state | Not published | Not published | Request a demo to become a merchant |
| Acorn Finance | Personal loans from a network of lenders, compared side by side by the customer | Up to $100,000 | Up to 20 years | Set by each lender; Acorn's example is 8.94% on $10,000 | $0 dealer fees; lenders pay Acorn when a loan is made | By the customer from the loan, usually 1 to 2 business days after approval | Free to join; licensed contractors in good standing |
| Hearth | Personal loans from 18 or more lenders, inside a contractor sales app | Not published | Not published; set by each lender | Set by each lender | $0 dealer fees; a Hearth subscription, priced on a demo | Not published | A subscription: Pro, Pro + Harper or Enterprise, through a demo |
| Synchrony | The Synchrony Project Card, a credit card for home improvement | Set by the customer's credit line | Card terms; promotional plans by program | Not published on the business pages | Not published; set in the program agreement | Not published | Apply by form, email, fax or phone (1-844-866-8014, option 3) |
From Service Finance Company, GreenSky home improvement, Wisetack for home services, Sunbit rates and terms, Acorn Finance for contractors, Hearth pricing, Synchrony home improvement and Stripe pricing for buy now, pay later, each read on its own site on October 9, 2026. "Not published" means the provider does not list it on its public pages, so ask. Rates and terms change and depend on the customer's credit.
Three kinds of customer financing
- Pay later on your pay page. Affirm or Klarna appear next to card and wallet when the customer pays. Nothing to enroll in; you pay a higher processing rate on the payments that use it. Koira's pay page works this way for invoices from $50 to $30,000.
- Dealer and merchant programs. Service Finance, GreenSky, Wisetack and Synchrony enroll your business. The customer applies through you, and you are paid by the lender. Fees are per transaction or set in the agreement.
- Loan marketplaces. Acorn Finance and Hearth let the homeowner compare personal loans from several lenders with $0 dealer fees. The customer pays you from their loan; Hearth charges a subscription instead.
Which one fits your jobs
- Most tickets under $30,000 and you want nothing to set up: pay later on the pay page.
- Big home improvement jobs with promotional no-interest plans: a dealer program like Service Finance or GreenSky.
- Home service jobs from $500 sent by text, with a flat published fee: Wisetack, at 3.9% per transaction.
- You never want to pay a dealer fee: a marketplace like Acorn Finance, or Hearth if you want its sales app too.
- Repeat customers who come back for more work: a contractor credit card like the Synchrony Project Card.
Before choosing, run your average job through the monthly payment calculator and see what the customer would pay each month.
How to offer it well
Show the monthly number next to the price on the estimate, mention financing before the customer asks, and let the lender handle the application and the disclosures. The full walk-through is in how to offer customer financing.
Sources, each read on the provider's own site on October 9, 2026: Service Finance Company, Service Finance FAQs, Service Finance loan calculator, GreenSky home improvement, GreenSky merchant FAQ, Wisetack for home services, Wisetack merchant FAQs, Wisetack, Sunbit rates and terms, Sunbit merchant benefits, Stripe buy now, pay later methods, Acorn Finance for contractors, Hearth pricing, Hearth, Synchrony home improvement, Synchrony heating and air conditioning, Stripe pricing, and Koira pricing. We read each page's own text; we did not use summaries or third-party lists.