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0% APR Add-ons with Wisetack
0% APR Add-ons with Wisetack

Enhance your consumer financing offerings with 0% APR add-ons! Give well-qualified customers interest-free financing for up to 24 months.

Charlie Hoffert avatar
Written by Charlie Hoffert
Updated over a week ago

Housecall Pro is excited to share that you can now offer your customers 0% APR financing for up to 24 months with Wisetack! 0% APR add-ons allow your customer to make smaller, interest-free payments over longer periods of time, while you get paid in full as soon as the job is finished.

How It Works

In order to offer your customers interest-free financing, your organization first needs to enable Wisetack. Navigate to the Consumer financing tab in My Money to sign up. To learn more about consumer financing with Wisetack, check out our consumer lending overview.

A 3 month 0% APR financing option is automatically included in Wisetack’s offering. However, by enrolling in an add-on, you can now offer three additional options, 6, 12, or 24 months, at 0% APR. Here is a breakdown:

  • Up to 6 months: 0% APR for 3 and 6 months

  • Up to 12 months: 0% APR for 3, 6, and 12 months

  • Up to 24 months: 0% APR for 3, 6, 12, and 24 months

How do I enroll in 0% APR add-ons?

While on the Consumer financing tab in My Money, navigate to the MANAGE OPTIONS button in the top right corner of the screen and click it. A pop-up will appear where you can select the desired tier of add-ons that you'd like to offer by selecting the respective tile and clicking SAVE. If SAVE is not clicked, the add-on tier won't be changed.

What happens now that I’ve signed up?

Nothing will change in your day-to-day when you’re enrolled in a 0% APR add-on! A 0% APR financing option from your selected add-on tier will simply appear among the financing options your customer sees in an application.

Your merchant fee will change based on the 0% option your customer picks:

As an example, if an organization has selected to offer the UP TO 24 MONTHS 0% APR add-on tier, their customers may be presented with 0% APR offers with term lengths of 3, 6, 12, or 24 months, in addition to other interest-bearing offers. If their customer selects the 0% APR offer with the 6 month term, then a 4.9% merchant fee will be charged. If their customer selects the 0% APR option with the 24 month term, then a 9.9% merchant fee will be charged.

Why can’t my customer see a 0% option?

Qualifying for longer-term 0% options requires a homeowner to be 'well qualified,' meaning they'll need a credit score in the low 700’s. (For reference, a homeowner can qualify for interest-bearing options with a credit score in the low 500’s.)

If a homeowner is qualified for 0% APR options, they will see options up to the longest term that you have chosen to offer. If a homeowner is not qualified for 0% APR options but is approved for consumer financing, they will continue to only see interest-bearing options.

Additional example scenarios:

  • When a homeowner is approved for a 0% offer:

    • If you have chosen to offer up to a 24mo 0% APR, then they will see 3, 6, 12, and 24 month 0% options (all term lengths above that 24mo will be interest-bearing options)

    • If you have chosen to offer up to a 12mo 0% APR, they will see 3, 6, and 12 month 0% options (all term lengths above that 12mo will be interest-bearing options)

  • When a homeowner is not approved for a 0% offer but is approved for interest bearing:

    • The homeowner will see all 3, 6, 12, and 24 month options and the rate that they qualify for

  • When a homeowner is not approved for either. the homeowner cannot utilize Wisetack to pay for the job

Can I trial an add-on or unenroll?

You may trial a 0% APR add-on and unenroll anytime. To unenroll, simply navigate back to the MANAGE OPTIONS pop-up on the Consumer financing tab and select the 0% APR 3 months tile, click SAVE, and it will remove the extended term 0% APR add-ons while still allowing you to present 0% APR offers with term lengths of 3 months at the standard merchant fee rate of 3.9%.

If you run into any issues, simply chat into the blue bubble and a support specialist will be ready to assist you.


*All financing is subject to credit approval. Your terms may vary. Payment options

through Wisetack are provided by our lending partners. For example, a $1,000 purchase

could cost $45.18 a month for 24 months, based on a 7.9% APR, or $333.33 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

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