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Financing Option

SantaAir use Wisetack for financing option, offering you some flexibility and easy payments of up to 24 months

The financing option will automatically be available on your invoices/estimates upon receipt

Benefits:
  • Checking eligibility does not impact your credit score
  • Instant decision
  • No origination fees, late fees, or prepayment penalties
Financing Terms:
  • Loan length: from 3 to 24 months financing
  • Interest rate: 0%-29.9% APR, depending on your eligibility
  • Loan Amount: $500-$15,000 – financing offered on all estimates & invoices within this range

NOTE: All loans are subject to credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank. See wisetack.com/faqs.

Example: a $2,000 purchase could cost $90.40 a month for 24 months, based on a 7.9% Annual Percentage Rate (APR). All loans are subject to credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank, member FDIC. See wisetack.com/faqs.

FAQs:

(We collect most of the FAQs from the creditor’s website at https://www.wisetack.com/faqs)

Who is my creditor

Wisetack is your creditor, just like the bank. You make the loan from Wisetack to pay SantaAir for the service

How does Wisetack work?
Wisetack is a simple way to finance a purchase by paying in monthly installments. There are no prepayment fees, late fees, or compounding interest. Checking your loan options does not impact your credit score.

The application is initiated by a business and completed by you. Seeing your financing options takes less than a minute, and you get the decision instantly. We’ll usually give you several options to choose from, with various loan lengths and sizes of monthly payments.

When you take out a loan, we pay the business (SantaAir) directly and you pay us over time.

Can I use Wisetack without a mobile phone number?
Unfortunately, no. You need a mobile phone number in order to use Wisetack.

Why would I use Wisetack instead of using a credit card?
The rate you get with Wisetack may be lower than the rate your credit card company charges for holding a balance. Wisetack loans are simple interest while credit cards charge compound interest. We don’t charge late fees, prepayment fees or origination fees.

With Wisetack you know exactly how much you will pay. Many people like knowing exactly what they will pay every month and find that taking out a loan with a fixed term for a specific purpose may be more affordable than a credit card.

NOTE: All loans are subject to credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank. See wisetack.com/faqs.

Will viewing my financing options impact my credit score?

No.

Will taking out a loan impact my credit score?
It might. We report payment history to the credit bureaus. Paying back on time can have a positive effect on a credit score while paying late will have a negative effect. It’s easy to set up automatic payments to ensure on time payments and help build a positive credit history.

Checking your eligibility for a loan does not impact your credit score.

Why is the credit score you report different from what I know my score to be?
There is no “one” credit score, as it turns out. The article below explains all the major factors that can account for variability in credit scores:
https://www.creditkarma.com/advice/i/why-credit-scores-differ-between-credit-reporting-agencies/
(note: Wisetack has no affiliation with Credit Karma)

How do I make a payment?
You have the option to set up automatic debits from your bank account when you take out the loan. Additionally, you will receive an email shortly after taking out the loan with instructions on how to set up your online account and payments. You can set up automatic debits from your bank account, you can choose to log in every month to make a payment from your bank account, or you can mail a check. We do not accept credit cards as a form of payment.

Do I have to link my bank account?
Sometimes. Linking your bank may be required as part of your application.

Even if it’s optional, we do recommend setting up automatic ACH (bank-based) payments, either during the application or after the loan is finalized, as it helps to ensure on time payments. Building a history of on time loan payments can be a good way to improve your credit score.

Can I pay off my loan early?
Absolutely! Simply log into your account and pay off your balance. We’ll never charge you a prepayment penalty.

Can I choose a different payment date?
Sure thing! We want to make this work for your schedule. You will get an email shortly after taking out a loan from us, which will provide information on how to log into your account where you can set up payments, or change your payment date.

I still have questions: How do I contact Wisetack?
Feel free to email, call, or text us anytime! We’d be happy to answer your questionsEmail: support@wisetack.com
all or text: +1-833-927-0333

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