FINANCING IN PARTNERSHIP WITH WISETACK
0% APR for up to 24 months.
Fix it now, pay over time.
Fuse Service offers HVAC financing through Wisetack for projects up to $65,000, with terms from 3 to 120 months. Eligible customers may qualify for 0% APR for up to 24 months. All financing is subject to credit approval; available terms depend on the amount requested and your creditworthiness. Financing is available for a furnace replacement, a heat pump installation, or a larger AC repair.
The application takes about a minute to complete, and checking your options does not impact your credit score.
0% APR*
For up to 24 months, for eligible customers
Up to $65,000*
Finance projects up to $65,000
3 to 120 months*
Choose the term that fits your budget
No hidden fees
No prepayment penalties, no late fees, no compounding interest
HOW IT WORKS
HVAC financing in four steps, all from your phone
It takes less than a minute to see your options, and checking your eligibility does not impact your credit score.
We send you the estimate
You do not apply before anyone has looked at the job. We diagnose the work and send an estimate, invoice or repair order — your Wisetack link comes with it.
Nothing to fill in beforehand
No obligation to proceed
Enter a few basic details
Open the link and fill in some basic information. It takes under a minute. You will need a mobile number, because Wisetack sends a verification code by text.
Soft credit pull only
Your credit score is not affected
Choose from up to 8 plans
If you are approved you will see up to eight options. The monthly payment and the total cost of each are spelled out, so you compare the real numbers before you pick.
0% APR up to 24 months
Longer-term examples at 9.90% APR
We do the work, you pay monthly
With HVAC financing, once the job is complete Wisetack pays us in full, and you pay Wisetack over time. Pay it off early whenever you like — there is no prepayment penalty.
No late fees
No compounding interest
Wisetack is available in all 50 states. Anything about your loan goes to Wisetack: support@wisetack.com or 1 (833) 927-0333, Mon–Fri 9 am–8 pm and Sat 9 am–6 pm ET.
WHAT YOU WOULD PAY
HVAC financing on a $10,000 job, plan by plan
Illustrative payment examples for a $10,000 HVAC project are shown below. The 3-, 6-, 12- and 24-month examples use 0% APR for eligible customers; the 36- to 120-month examples use 9.90% APR. These are examples, not guaranteed offers. Your actual options depend on the amount requested, your creditworthiness and credit approval. Monthly payments are rounded to the nearest cent; the final payment may vary slightly.
| TERM LENGTH | APR | MONTHLY PAYMENT | TOTAL INTEREST |
|---|---|---|---|
| 3 months | 0% | $3,333.33 | $0.00 |
| 6 months | 0% | $1,666.67 | $0.00 |
| 12 months | 0% | $833.33 | $0.00 |
| 24 months | 0% | $416.67 | $0.00 |
| 36 months | 9.90% | $322.20 | $1,599.29 |
| 60 months | 9.90% | $211.98 | $2,718.72 |
| 84 months | 9.90% | $165.50 | $3,901.63 |
| 120 months | 9.90% | $131.60 | $5,791.56 |
COMPARED WITH A CREDIT CARD
HVAC financing or a credit card?
Credit cards are an easy way to pay but not a great way to borrow, and HVAC financing is built for exactly this kind of expense. Here is the difference in plain terms.
Credit card
—
Your APR depends on the card and your creditworthiness
—
Carrying a balance can hurt your credit score
—
Compounding interest and an unclear total cost
—
May charge late fees, annual fees and others
Financing with Wisetack
+
Rates as low as 0% APR for eligible customers
+
No credit impact to check your eligibility
+
Simple interest with clear terms up front
+
No hidden fees
QUESTIONS
Questions people ask us
Is the 0% real?
Yes, on qualifying plans up to 24 months for customers approved on those terms. The 36- to 120-month examples shown above use 9.90% APR; your actual offer may differ. Not all merchants and lending partners take part in 0% programs.
Will checking my options affect my credit score?
No. Checking your eligibility is a soft credit pull and does not affect your score. Accepting an offer, and how you repay it, can affect your credit.
How long does the application take?
Under a minute. We start it and send it to you, and you finish it on your phone.
Do I need a mobile phone?
Yes. Wisetack sends a verification code by text, so a mobile number is required to complete the application.
What fees are there?
No prepayment penalties, no origination fees, no late fees and no compounding interest. You see the total cost of each plan before you accept.
Can I pay it off early?
Yes. There are no prepayment penalties, so paying ahead simply reduces what you owe.
Who do I pay?
Wisetack pays us in full when the job is done, and you make monthly payments to Wisetack.
Where is this available?
All 50 states. Not available in U.S. territories. For anything about your loan, contact Wisetack at support@wisetack.com or 1 (833) 927-0333.
* All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our 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 amount requested and creditworthiness. Not all merchants and lending partners participate in 0% interest programs. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at wisetack.com/faqs.
