Large jobs stall on one question: "Can we afford it right now?" A $12,000 HVAC replacement, a new roof or a repipe is an easy yes for some homeowners and impossible for others, even if they need the work. Offering financing turns that price into a monthly payment, which helps more customers say yes and often lets them choose the better option instead of the cheapest.
Contractors don't lend the money themselves. You partner with a financing program, send the customer an application link, and lenders make the credit decision. Below we compare four programs used by home service contractors, based on each provider's own pages as of October 16, 2026. We compare what they publish; we haven't run funded jobs through each.
Quick comparison: customer financing programs for contractors
| Program | Type | Cost to the contractor | Loan amounts | Terms |
|---|---|---|---|---|
| Wisetack | Point-of-sale financing through lending partners | Per-transaction fee (3.9% flat inside Housecall Pro, 0% APR plans extra) | $500 to $65,000 (in Housecall Pro) | 3 to 120 months |
| Hearth | Financing marketplace, 18+ lenders, plus sales tools | $0 dealer fees; paid subscription (price on request) | Varies by lender | Varies by lender |
| Acorn Finance | Personal loan marketplace | Free for contractors, no dealer fees | Up to $100,000 | Up to 20 years |
| Enhancify | Financing marketplace, 30+ lenders | No dealer fees; annual membership $1,249–$4,999; pays commissions | $500 to $200,000 | Varies by lender |
How customer financing works
- You sign up with a financing program and get a link, a QR code or an option built into your estimates.
- The customer applies, usually on their phone in a few minutes. Most programs prequalify without a hard credit pull, so customers can see offers without hurting their score; accepting a loan typically involves a hard pull.
- Lenders make offers. The customer sees monthly payments, APR and term options and picks one.
- The job gets funded. Depending on the program, the lender pays you directly when the job is done or sends the funds to the customer, who pays you.
- The customer repays the lender. You're not involved in collections.
Two models dominate:
- Point-of-sale programs with a merchant (dealer) fee. You pay a percentage of each financed job. In return, programs can offer 0% APR promotions and pay you directly. Wisetack works this way.
- Marketplaces with no dealer fees. The customer gets a personal loan from one of many lenders and you pay nothing per job (some charge a subscription or membership instead). Customers pay the lender's rate, though some marketplaces also show 0% intro or promotional offers. Hearth, Acorn Finance and Enhancify work this way.
Wisetack
Wisetack is built for service businesses: the customer gets a text, applies in a few minutes and chooses a monthly payment plan. Per its disclosures, offers range from 0% to 35.9% APR based on the amount and creditworthiness, terms range from 3 to 120 months, and some merchants offer extended 0% APR plans up to 24 months. Wisetack states there are no prepaid finance charges or participation fees for the customer.
Wisetack is also built into field service software. In Housecall Pro, Wisetack financing covers jobs from $500 up to $65,000 with terms up to 120 months, you get paid in full when the job is finished, and the contractor pays a flat 3.9% per transaction, with 0% APR options as paid add-ons. Housecall Pro says customers pay no origination, prepayment or late fees. Wisetack's fee for businesses outside a software partner isn't listed on its home page, so ask before you sign up.
Good fit: service businesses that want a quick text-to-apply flow, direct payment on completion, and 0% promotions they can advertise. Especially convenient if you already use Housecall Pro.
Hearth
Hearth is a financing marketplace and sales app for home improvement contractors. Customers see offers from 18+ lenders, and Hearth advertises $0 dealer fees: according to its FAQ, homeowners apply directly for home improvement personal loans, contractors aren't subject to underwriting or revenue requirements, and contractors don't pay per-loan fees.
Hearth is a paid subscription with three tiers:
- Hearth Pro: the financing marketplace, quotes with monthly payments built in, digital payments, client management, and a concierge team that helps homeowners through approval.
- Pro + Harper: adds Harper, an AI assistant that answers calls, texts leads, follows up on estimates and loan applications, and creates social media posts.
- Enterprise: adds a marketing audit, a dedicated account manager, financing training and implementation help.
Hearth doesn't publish subscription prices; you get them in a demo. Because the homeowner takes out the loan directly, the funds go to the homeowner, who pays you. Hearth also links homeowners to 0% intro APR credit card offers.
Good fit: remodelers, roofers and HVAC companies with larger jobs who want financing plus quoting and follow-up tools, and would rather pay a subscription than a fee per funded job.
Acorn Finance
Acorn Finance is a personal loan marketplace that's free for contractors: no sign-up cost, no dealer fees, no monthly fee. Customers compare offers from multiple lenders side by side, prequalify with no hard credit pull to start, and can borrow up to $100,000 with terms up to 20 years. The lender funds the customer, and Acorn says you get paid upfront once the customer is funded; the customer pays you from the loan proceeds. Acorn says it works with licensed contractors in good standing. You get a portal to track applications and free marketing materials for your website, invoices and social media.
Good fit: contractors who want to offer financing at no cost and are comfortable with the customer receiving the loan funds and paying you.
Enhancify
Enhancify is a financing marketplace with 30+ lenders that advertises no dealer fees, loans from $500 to $200,000, 0% promotional offers, and payment in as early as the next business day. Instead of per-job fees, contractors pay an annual membership: Self-Service $1,249, Professional Growth $1,749 or Concierge $4,999 a year. It also pays contractors commissions for offering financing. Enhancify positions itself against the dealer fee model, which it describes as one lender taking 8–10% per job in fees.
Good fit: larger remodeling, roofing and HVAC replacement jobs where loan size matters, and contractors who want to avoid per-job fees.
How to offer financing without it backfiring
- Mention it early. Put "financing available" on your website, estimates, trucks and yard signs, and bring it up before you present the price, not after the customer hesitates.
- Quote the monthly payment next to the total. Several programs build monthly payment estimates into your quotes.
- Use the lender's numbers, not your own. Only advertise rates and terms the program provides, with its disclosures. Advertising financing terms is regulated, so stick to the materials your financing partner supplies.
- Don't charge financed customers more than cash customers. Financing agreements commonly prohibit it, and a charge only credit customers pay can be treated as a finance charge under federal lending rules. Build the cost into your overall pricing instead.
- Know when you get paid. If the lender pays the customer rather than you, collect payment the same way you would for any job.
Which financing program should you choose?
- Already on Housecall Pro, or want 0% APR installment plans you control per job: Wisetack.
- Want financing plus sales and follow-up tools: Hearth.
- Want it free with no commitment: Acorn Finance.
- Large projects and no dealer fees, with an annual membership: Enhancify.
Many contractors offer two options: a 0% promotion through a point-of-sale program for mid-size jobs, and a no-fee marketplace for large projects. Financing pairs well with field service software that puts monthly payments on every estimate; see our comparisons of field service management apps and HVAC field service software.
