Pay over time, get the work done now

You submit a short application through our Wisetack link with basic contact and income details. Wisetack’s lending partners review the request and return real monthly payment offers in seconds. There is no in-person paperwork and no waiting on a loan officer.

No. Prequalifying is a soft credit pull, which does NOT affect your credit score. A hard credit pull only happens if you choose a plan, sign the loan agreement, and move forward with funding — and even then, the impact is typically minimal.

Any of our services qualify, including tree removal, large-limb pruning, crown reduction, stump grinding, lot clearing, storm cleanup, cabling and bracing, and arborist health assessments. Loan amounts generally range from $500 to $25,000 depending on the lender’s offer.

Once you accept a plan and sign electronically, funds are typically released to us within one business day. We can usually schedule the work the same week — and for storm or hazard situations, often the same day.

Wisetack offers fixed monthly payments with terms commonly ranging from 3 to 60 months. APRs depend on your credit profile and the lender, with rates typically between 0% promotional offers and around 35.99% APR. There are no prepayment penalties and no hidden fees — you’ll see the exact APR, term, and total cost before you accept.

You make your monthly payments directly to the lender through Wisetack. We are paid by the lender once the work is complete, so your only ongoing relationship for billing is with them.

If a lender can’t make you an offer, we’ll work with you on alternative options — including phasing the work, prioritizing safety items first, or accepting card and check payments directly.