Reviews

This profile includes reviews for Wisetack, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Wisetack, Inc.

  460 Brannan St Unit 78384 San Francisco, CA 94107-7616

  
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  Wisetack, Inc.

  9450 SW Gemini Dr PMB 31984 Beaverton, OR 97008-7105

  

Review Details

• Review fromKatelyn H

  Date: 01/25/2024

  1 star

  Katelyn H

  Date: 01/25/2024

  Do not use this company... I REPEAT, DO NOT USE THIS COMPNAY!!! I currently have a loan with them for my AC when it broke last year. Of course, with every loan company comes with an interest rate and you will pay interest. For someone who likes to pay loans off early, I am turning my 5 year loan into a 2 1/2 year loan. The more I put towards my loan (which is a little over double than the monthly amount) the more they take for the interest. I have spoken to a manager about this and she tried to tell me that all my money is going towards the principal when it clearly isn't. I just got my statement for Jan * Feb ****. and they added $70 to this statement when it didn't show on the statement for Dec '23 * Jan '24. When you ask them why it shows more being taken towards the interest, they can NEVER give you a straight answer. I have made 10 payments so far and every time I look to see how much they are taking for interest, it fluctuates from $10 to $80 to $37 to $66, etc. Now they just so happen to add $70 to my loan for what reason, I don't know. I am VERY unhappy with this company. They steal your money with no explanation! And like one of the other reviews, you will speak to multiple people. I was hung up on once because they couldn't answer my questions!! If I could leave 0 stars, I would!!
  

  Wisetack, Inc.

  Date: 01/31/2024

  Dear *****************,Thank you for being a Wisetack customer and giving us the opportunity to respond to your issue. Our team has extensively reviewed your statements to ensure no error is present.Your account review shows you've been making extra payments, putting you on track to pay off the loan 8 months earlier than planned. However, as stated in your Loan Agreement, this is a simple interest loan, meaning interest accrues daily on the unpaid principal balance until you pay the loan in full. Payments first cover accrued interest, with the remainder reducing the principal.With that, the timing of your payments affects the allocation between interest and principal. For example, with 36 days between payments, 36 days of accrued interest are paid, as opposed to 13 days between payments where only 13 days of accrued interest are covered. This leads to variations in the interest-to-principal ratio. We understand this may be confusing, however, our team is here to assist you. You can also see your remaining payment schedules in the Activity section of the online payment portal; you will see that you are on track to pay off your loan 8 months earlier with the extra payments you made so far. Please let us know if there is anything else we may help in understanding your bill. Thank you,The Wisetack team

• Review fromTyler S

  Date: 01/04/2024

  1 star

  Tyler S

  Date: 01/04/2024

  This company sends out fraudulent information in emails leading customers and contractors to believe that they have been approved for loans that they have not been. Do not use this company unless you want to be burned!
  

  Wisetack, Inc.

  Date: 01/30/2024

  Dear ****************,Thank you for being a Wisetack customer and giving us the opportunity to respond to your issue. You should have received an email on Friday 1/26, regarding this issue which we have now successfully resolved. Due to a technical issue, your customer received a maximum financing amount of $6,000 on their application, which was incorrect. The issue has now been resolved and the email provides detail on steps you or your customers may need to take for the additional funding.Once again, we apologize for any inconvenience this may have caused. We appreciate you as a Wisetack partner and hope to continue to work together.Thank you,The Wisetack team

• Review fromJames and Jane M

  Date: 01/04/2024

  1 star

  James and Jane M

  Date: 01/04/2024

  Wisetack did pre approve ****** we proceeded with the job for replacement for HVAC, Air Conditioner , and water tank the job was finished and Wisetack makes you do a finalization after the final invoice received by the company doing the work we received that then went to finalize for the ******** and we were sent 2 emails stating we were approved for the ******** so I went to finalize and set up auto pay and it kept coming up ******** I called 4 times spoke with 4 different employees and no one can give me an answer. I would never never never use this finance company I reached out to the company advised I was filing a complaint they should have honored the ******** approval we received 2 emails for we never received a email saying approved for ******** only ******** I would not give any stars at all
  

  Wisetack, Inc.

  Date: 01/30/2024

  Dear Mr and *****************,Thank you for being a Wisetack customer and giving us the opportunity to respond to your issue. We apologize for the frustration during this time. You should have received an email on Friday 1/26, regarding your financing application. Due to a technical issue, you were shown a maximum financing amount of $6,000 on your application, which was incorrect. The issue has now been resolved and the email you received on 1/26 will detail any steps you need to take for the additional funding. Once again, we apologize for any inconvenience this may have caused. Please call our team if you would like someone to walk you through the process.Thank you,The Wisetack team

• Review fromMathew R

  Date: 12/08/2023

  1 star

  Mathew R

  Date: 12/08/2023

  I used wisetack for years to offer my customers financing and this past week a customer got approved everything went as it should... i waited a day or two not funds, so i called spoke to a customer service rep and was told sometime it is delayed at the holidays, seemed legit. Then... a week goes by still nothing i call in today and wisetack tells me they will NOT release the funds to me, even though i have done the work paid my employees and purchased materials... They say i have to send them 3 months worth of my companies bank statements or they will NOT release the funds even though i have already done the work. So now wisetack seems to operate like the Mob, this is extortion. I have never had to send any company Bank statements to recieve money THEY OWE ME. this is a shady business practice and I am only thankful it was NOT a large job i can lose a cople grand and not deal with a shady company again. DO NOT USE THIS COMOANY YOU WILL REGRET IT.
  

  Wisetack, Inc.

  Date: 12/21/2023

  Hi *******, We appreciate you taking the time to reach out to us. We are happy to work with you to get these funds to you as quickly as possible. However, to do so, we must comply with due diligence standards prior to releasing these funds. It looks like your account was flagged as needing more information; we are happy to expedite the review process once this information is received.Our customer service agent should have been more clear about that step when you called in to discuss the issue. Weve provided training to ensure that doesnt happen again.Please feel free to reach out to us with any questions. The Wisetack team

• Review fromJennifer S

  Date: 11/10/2023

  1 star

  Jennifer S

  Date: 11/10/2023

  So I did my pre-approval earlier in the week where they did a soft credit check. My plumber did the work today and sent me the bill. At the top it says I'm prequalified with Wisetack and to click to Pay Now. I was redirected to a screen that said "You're approved... Choose an option" and was given 4 choices on # of months & what interest rate I wanted. I selected the offer that said 12 monthly payments @ *****% APR. I was then redirected to a screen called "Lock in your offer", which showed my 12 mths/*****% APR. I agreed to all of their agreements and then entered my SSN to sign it, with a warning that this would now be a hard inquiry. I clicked *************** to "release funds in the next step" and suddenly they redirect me back to the beginning, with no warning or explanation, again showing me the 4 choices but now much higher interest rates! So they basically offered me one rate after a soft credit check, then when I signed and after they did a hard credit check, they changed the rates on me!!! 12 months was now *****%!! This left me with no choice but to continue unless I wanted another hit on my credit by using a different company. So they did a bait & switch. I will never use this company again and I will have a difficult time recommending my amazing plumber to anyone needing financing.
  

  Wisetack, Inc.

  Date: 11/21/2023

  Dear Ms. ********** you for sharing your experience with Wisetack. Were sorry it wasnt a positive experience and appreciate the opportunity to look into the details.One of the primary values we follow at Wisetack is fair, transparent financing. We certainly dont want our customers to feel their financing offer is changing throughout the application process.As we looked into your sessions, it looks like you were declined by one of our lending partners after a credit check required to submit your application. In order to help you secure financing, we did allow you to go through the process again and lock in an offer with one of our other lending partners, which is why you saw different terms. In these scenarios, there would only ever be a single hard credit check; we only perform a soft credit check during prequalification and when checking your options on the financing application.We did attempt to help you with the situation through our support team, but were unable to confirm your identity during the phone call and so could not disclose the sensitive information. Identity confirmation is a required step for compliance reasons.Thank you,The Wisetack team

• Review fromBill R

  Date: 10/13/2023

  1 star

  Bill R

  Date: 10/13/2023

  Unacceptable. They process the loan for full contractor price, however do not account for any deposit or down payment. They will issue a refund, but it does not affect the payment amount, rather they apply it as a principal only payment so you still pay the same full price amount, just for less months than you originally agreed upon.
  

  Wisetack, Inc.

  Date: 10/27/2023

  Hi ****,Thank you for your feedback. Payment terms through Wisetack are provided by our lending partners. As per our standard terms and conditions, we are unable to modify these terms after they are selected. Should you want further clarification, please dont hesitate to contact our support team for assistance.Best regards,Wisetack Customer Support

• Review fromJake N

  Date: 06/30/2023

  1 star
  A link to Wisetack was sent to me with my HVAC estimate, I filled out the request Tuesday evening June 27th, and was quickly approved by Email with a link to my options. I followed the link and one of those options was interst free, and noted as valid till July 11, 2023. The repairs were completed and my invoice was sent today Friday June 30th, when I used the link to accept and pay my contractor the terms have been changed, and there is ******** interest option available. When I contacted them I was told this was just an estimate of what may be available not an actual approval. Feels very much like a bait and switch operation. My next correspondance will be with the contractor who recomended that I conduct business with this company. **************** did an outstanding job, they exceeded my expectations. Unfortunately based on my experience with Wisetack I would have a very hard time recomending **************** to anyone.

• Review fromChristina M

  Date: 06/28/2023

  1 star
  They duplicate payments. Be prepared when you make payments online or with auto payment to have your bank account debited twice for the same payment. It happened twice this year and thats one too many for me.

• Review fromUnquinec K

  Date: 06/02/2023

  1 star

  Unquinec K

  Date: 06/02/2023

  Wisetack did business with U Do It Auto Repair and they lied and didn’t tell me my engine was damaged before I did the loan. I filed a dispute with Wisetack and gave them all the information - documents- proof from other auto shops that I had my car towed because after they “supposedly” fixed it I couldn’t drive it! And these people sided with them even though my car was paid off and I had to buy a new one because of the lies. It’s about money with Wisetack but the services was rendered under false pretenses. Horrible business
  

  Wisetack, Inc.

  Date: 06/22/2023

  Thank you for reaching out to Wisetack to give us an opportunity to review your concern. We have investigated this matter thoroughly and understand that your direct concern with Wisetack is regarding the result of the dispute filed with us on 04/14/2023. In accordance with Wisetacks Dispute Resolution Procedures located in the General Terms of Service (which all customers obtaining financing through Wisetack must review and accept), our disputes team reached out to both you and the merchant, in order to gather information on the dispute prior to decisioning.Unfortunately, in this case, our disputes team did not receive any substantiating evidence from you furthering your claim that faulty repairs by this merchant led to the ultimate damage on your vehicle. Additionally, statements from the merchant show that they had informed you of potential problems to your vehicles engine, if certain hoses within your engine were not replaced. The merchant was able to submit invoices and statements both showing you had declined services for this replacement. Therefore, our disputes team ruled in favor of the merchant. We understand that this may be frustrating and encourage you to reach out to the merchant directly, if you do not agree with our disputes team's decision. Please note however, your financing will remain in place, as you did not deny having work performed on your vehicle and Wisetack did not receive any substantial proof showing that your vehicles issues were directly or indirectly the fault of this merchant.Best regards,Wisetack Customer Support

• Review fromHeather C

  Date: 05/13/2023

  5 stars
  Great to work with. Super fast approval and secure. Very easy apply then very easy to make payments with Wisetack. They remind you frequently so you dont forget your monthly payments. Their statements are very easy to understand. Highly recommend Wisetack for financing!!!