Affordable Electrical Financing for Your Home
Split your project into low monthly payments with Wisetack.
Checking your eligibility will not affect your credit score.
How It Works
Three quick steps to financing your electrical project.
Prequalify in minutes
Apply online in about 60 seconds. Checking your eligibility will not affect your credit score.
Choose your plan
Pick the monthly payment plan that works best for your budget, with terms from 3 to 60 months.
Get to work
Once approved, we schedule your project and you pay over time. No prepayment penalties, ever.
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Payment Calculator
See what your monthly payments could look like.
Why homeowners choose Wisetack
No hidden fees
No origination, prepayment, or late fees. What you see is what you pay.
No credit impact to check
Seeing if you prequalify is a soft pull — it will not affect your credit score.
Flexible terms
Choose monthly plans from 3 to 60 months to match your budget.
Rates as low as 0% APR
Qualified borrowers may see interest-free offers on shorter terms.
Frequently Asked Questions
Who offers the loan?
Loans through Wisetack are made by its lending partners. Visit wisetack.com/faqs for full details.
Does checking eligibility affect my credit score?
No. Checking to see what you prequalify for is a soft credit check and does not affect your credit score.
How fast do I get an answer?
Most applicants see their prequalified offers in under a minute.
Are there any fees?
No origination, prepayment, or late fees on Wisetack loans.
What can I use Wisetack financing for?
Any electrical service we provide — panel upgrades, whole-home rewires, lighting upgrades, generators, and full remodels.
Ready to get started?
Financing disclosure: All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by its 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.com/faqs.