Financing

Apply in Under 60 Seconds

Quick application from your phone with no impact to your credit score when checking your options.

See Up to 6 Payment Options

Wisetack shops multiple lenders to present you with the best available rates and terms for your creditworthiness.

Choose What Works For You

Select from flexible payment plans ranging from 3 to 60 months with clear, upfront pricing—no hidden fees.

We Get to Work

Once approved, we complete your service and you pay over time. It's that simple.

My techs DeMario & John arrived on time, they did a great job on removal and install of my new HVAC unit. Start to finish time was 6 hours. New System operations was explained to me so I understood it. They also did a great job cleaning up when the job was completed.

My techs DeMario & John arrived on time, they did a great job on removal and install of my new HVAC unit. Start to finish time was 6 hours. New System operations was explained to me so I understood it. They also did a great job cleaning up when the job was completed.

My techs DeMario & John arrived on time, they did a great job on removal and install of my new HVAC unit. Start to finish time was 6 hours. New System operations was explained to me so I understood it. They also did a great job cleaning up when the job was completed.

Most customers receive instant approval in under 60 seconds. The application takes about a minute to complete and you’ll see your options immediately.

No. Checking your financing options through Wisetack does not impact your credit score. Only if you accept a loan offer will there be a hard credit check.

Wisetack works with multiple lending partners, so options are available for a range of credit profiles. Well-qualified customers (700+ credit scores) may qualify for 0% APR options. Interest-bearing options may be available for credit scores in the 500s.

No. Wisetack has no prepayment penalties, origination fees, late fees, or compounding interest. The monthly payment and total cost are clearly shown before you accept any offer.

You can choose terms from 3 to 60 months depending on what works best for your budget.

You can finance any HVAC service from Quality Air, including emergency repairs, system replacements, new installations, maintenance plans, and add-on products like air purifiers or drain line protectors.

Your first payment is typically due 30 days after your service is completed and the funds are released to Quality Air.

Yes! There are no prepayment penalties. You can pay off your loan at any time without any additional fees.

You can apply for multiple loans, subject to approval. Each project would have its own application and loan terms.

Request Service

Call us or schedule online. Let us know you're interested in financing when we provide your estimate.

Receive Your Estimate

We'll send you a detailed estimate that includes a link to apply for Wisetack financing.

Apply & Choose

Click the link, complete the 60-second application, see your options, and select the payment plan that works best for you.

Transparent Pricing

You'll see the full cost of your HVAC service before applying for financing. No surprises.

Multiple Options Presented

Wisetack shows you up to 6 different payment plans so you can choose what fits your budget.

Fast Service

Don't wait weeks to save up. Get your system fixed or installed now and pay over time.

Professional Installation

Your financing covers Quality Air's expert service—veteran owned, locally operated, with 10 years of experience.

Complete Service

Finance everything you need: repairs, installations, maintenance plans, and add-on products.