# CONSUMER FINANCING

## Flexible financing to win more jobs

Let customers pay over time while you get paid in full once the job is complete. Close bigger jobs faster.

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_Already a customer? [Get started with Consumer Financing](https://pro.housecallpro.com/pro/my_money/consumer_financing?hcp_session_uuid=e2d5742f-55d7-4b58-b3c9-2c251c073bc7&anonymous_id=638c2195-5b89-4c1a-82db-1e9bfc70148a&hcp_segment_anonymous_id=hcp_3643ea8d-ea42-43d7-ae73-a09b1e9063f2&mc=OrganicSearch&msc=https%3A%2F%2Fwww.google.com)_

## Tell us your trade to see how Housecall Pro can help

HVAC

Cleaning

Handyman

Electrical

Plumbing

All Trades

## Turn more estimates into sales

### Monthly payments

Let customers break projects into monthly payments that fit their budget.

### Instant approvals

Offer instant financing approval decisions with a quick online application.

### Transparent terms

Build trust with upfront pricing and clear, predictable payment terms.

#### WISETACK FINANCING IN HOUSECALL PRO

## Consumer financing, made easy

### Financing Terms
- Flexible options to close with confidence
  - Make it easy for your customers to say yes to services by breaking up the project cost into monthly payments.
    - Let customers pre-qualify, so they can borrow with confidence.
    - Finance jobs between $500 and $25,000 with terms up to 120 months*, backed by high approval rates of 80%+**.
    - Get paid in full as soon as the job is finished, while your customer pays over time.

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by Wisetack’s 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 FAQs](https://www.wisetack.com/faqs).

### Payment Options
- Build trust with transparent terms and pricing
  - Win more jobs by giving customers the confidence and flexibility to finance with clear, upfront pricing.
    - Offer your customers multiple options, with interest rates as low as 0% APR for up to 24 months.*
    - Customers pay no origination, prepayment, or late fees—plus no compounding interest.
    - You pay just a flat 3.9% per transaction (excluding 0% APR add-ons).

### Apply Online
- Offer a quick application with no credit impact
  - Your customers apply online and get an instant decision—without sharing sensitive information with you.
    - Customers can apply securely from their mobile device and receive an approval in minutes.
    - Applications have zero impact on their credit score.
    - No paperwork, no hassle—just a fast, secure approval process.

### Integrations
- Seamless financing, built into your workflow
  - Give customers an easy way to finance right from your estimates and invoices—no extra steps.
    - Offer financing through our partners directly in Housecall Pro.
    - Send applications straight to your customers’ mobile devices.
    - Help customers pre-qualify on sales proposals to close jobs faster.

## Trusted by 200K+ Pros. Built for teams of 1 to 100+

### 100 M+
pro jobs completed

### 35 %
avg. pro revenue growth*

### 8 +
avg. hours saved per week

## Frequently asked questions

**How do I get access to offer consumer financing?**
Your account will need to be set up for payments first before you can start offering consumer financing to your customers. [Learn more](https://help.housecallpro.com/en/articles/358424-how-do-i-set-my-bank-account-for-payouts)

**How much does integrated consumer financing cost?**
The only cost to you is a flat 3.9% fee based on the financed amount. There are no subscription or credit card processing fees on top of that.

**Will my customer’s credit score be affected?**
Their credit score will not be affected when checking options, as Wisetack and its partners perform a soft credit pull at that time. However, accepting an offer and repayment behavior can affect credit.

**Do I need to ask my customer for their social security number or income?**
No. You can skip the whole process of asking your customers for sensitive information. Customers can apply for financing from the privacy and comfort of their own device.

**Can my customers know how much they qualify for before the job is agreed to?**
Yes, your customers can see which options they pre-qualify for on an estimate.

**Are there 0% APR options available through consumer financing?**
Yes, qualified customers will see rates as low as 0% APR.

### With you every step of the way
Housecall Pro grows with your business—helping you stay ahead of what’s next at every size and stage.