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 Wildcat Electric and completed by you. Seeing your financing options takes less than a minute. 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 with Wisetack, we pay the business directly and you

pay us over time.

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Why use Wisetack instead of a credit card?


The rate you get with Wisetack may be lower than the rate your credit card company charges for maintaining 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.

Can I pay off my loan early?

Absolutely! Simply log into your account and pay off your balance. Wisetack never charges you a prepayment penalty.

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A $2,400 purchase could cost $108.43 a month for 24 months, based on a 7.9% Annual Percentage Rate (APR), or $800 a month for 3 months, based on a 0% APR.

All loans are subject to
credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank. See

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