- Amounts: $500 to $65,000. Terms: 3 months to 10 years.
- Your cost: A flat 3.9% per transaction; a variable fee for extended 0% plans.
- Paid: Sent next business day after the customer confirms; 1 to 3 business days to land.
- Read on Wisetack's own pages, October 9, 2026.
What Wisetack is
Wisetack is a customer financing provider. It is built for home service businesses: HVAC, plumbing, electrical, roofing, fencing, flooring, pest, garage doors and more.
- Wisetack covers jobs from $500 to $65,000, with terms from 3 months to 10 years.
- Offers range from 0% to 35.9% APR based on the amount and the customer's credit, with 0% options up to 24 months.
- The business pays a flat 3.9% per transaction when a customer completes financing; extended 0% plans of 6, 12 or 24 months carry a variable fee.
- Checking options does not affect the customer's credit score, and there are no prepayment fees, late fees or compounding interest.
- Its own example: a $5,500 purchase could cost $253.54 a month for 24 months at 9.9% APR.
How it works for a contractor
You send the customer a financing link by text or on the invoice, often from inside your field service software. The customer applies on their own phone, sees their options in under a minute and picks one.
When the work is done, the customer taps to release payment. Wisetack sends the funds by ACH the next business day, and they land in 1 to 3 business days. Approvals in home services last 90 days.
What it costs you and your customer
The same seven columns for Wisetack and for financing on Koira's pay page, from each one's own pages.
| 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 |
| 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 |
From Wisetack for home services 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.
Who Wisetack fits
- Home service jobs from a few hundred dollars to the mid five figures
- Contractors who want to offer financing from a text without a dealer program
- Shops whose field service software already has Wisetack built in
What to ask before you sign up
- The 3.9% comes out of your side of the job; price it in or decide which jobs it applies to
- Extended 0% plans cost more; read the variable fee before you promote them
- The customer has to confirm the job is done before funds are released
Financing on Koira's pay page
Koira's pay page offers Affirm or Klarna on invoices from $50 to $30,000, on every plan. The customer chooses to pay over time on the same page where they would pay by card, applies on their own phone, and the lender decides approval and terms. You never run credit or fill in a lender form.
What you pay is Stripe's published rate for the method the customer picks, Affirm 6% + 30¢ or Klarna 5.99% + 30¢, plus Koira's share of 2% on Office, 1% on Grow or 0.5% on Front Office. For jobs above $30,000, or if you want a dedicated home improvement lender, a provider like Wisetack can sit next to it.
Sources, each read on the provider's own site on October 9, 2026: Wisetack for home services, Wisetack merchant FAQs, Wisetack, Stripe pricing for buy now, pay later, Stripe pricing, and Koira pricing. We read each page's own text; we did not use summaries or third-party lists.