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.
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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.
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When you take out a loan with Wisetack, we pay the business directly and you pay us over time.

 

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.
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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.

 

Simple Loan Example:

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 wisetack.com/faqs.