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Home / Financing

FINANCING

Enjoy year-round comfort with budget-friendly financing options, including 0% APR for 3 months on installations, exclusively from Cullman Appliance Repair, LLC.

Hassle-Free Process

Experience a streamlined application process for quick approval and convenience.

Flexible Terms

Enjoy flexible repayment options designed to suit your budget.

Competitive Rates

Access competitive interest rates tailored to your needs.

WHY FINANCE WITH US?

Financing allows you to choose the perfect appliance or comfort system for your home or business with budget flexibility, offering hassle-free monthly payments that fit effortlessly into your financial plans, ensuring peace of mind and year-round comfort.

We offer flexible financing options through our trusted partner, Wisetack, with plans starting as low as 0% APR*.

 

Customers can choose from 3, 6, 12, and 24-month payment plans, with interest rates ranging from 0% to 29.99%, depending on your credit profile.

 

For larger projects, extended terms are available—36 months for projects over $5,000 and up to 60 months for those exceeding $8,000. You can check your options with no impact on your credit score.

 

Learn more about hard and soft credit checks on our partner's website.

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Service Call and Estimate

Book your initial service call today and let us know you are interested in our financing options. Our technician will assess your needs and provide an estimate.

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Easily Apply

We will send you  an application to your email. Complete our secure online application via WiseTack and learn instantly if you have been approved.

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Installation or Repair

After approval, we'll promptly order your parts, appliance, or HVAC system and schedule a convenient installation time.

WHAT TO EXPECT

Financing provides the flexibility to choose the perfect appliance or comfort system for your home or business, with hassle-free monthly payments that fit your budget. Enjoy peace of mind and year-round comfort with financing options designed to seamlessly align with your financial plans.

  • Wisetack is a simple way to pay over time for a service or product. From home improvement projects to necessary repairs to your vehicle, Wisetack enables you to break up the cost of a purchase into easy monthly payments. When financing through Wisetack, checking your options doesn't impact your credit score (learn more here). And there are no prepayment fees, late fees, or compounding interest.

    The application is initiated by the service provider and completed by you. On average, the application takes about a minute to complete. If eligible, you will receive several options to choose from with various term lengths and monthly payment amounts.

    When you finance through Wisetack, the service provider is paid directly, and you pay over time.

    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 creditworthiness. No other financing charges or participation fees. See additional terms at http://wisetack.com/faqs.

  • No. When checking your eligibility, Wisetack and its lending partners perform a soft credit pull, which means that your credit score will not be affected. However, accepting a financing offer can affect credit, and repayment behavior will also affect credit.

    You can learn about the difference between a soft versus hard credit check here.

  • Accepting a financing offer can affect credit. Repayment behavior will also affect credit — paying back on time can have a positive impact while paying late will have a negative impact. It’s easy to set up automatic payments to ensure on time payments and help build a positive credit history.

    Checking your eligibility for financing does not impact your credit score (learn more here).

FAQ

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BOOK YOUR SERVICE TODAY

Our certified technicians are experts in quickly diagnosing, estimating, and repairing your appliance, HVAC, and refrigeration issues with precision and efficiency. Schedule your service today for prompt, reliable solutions completed on time.

Already a Wisetack customer? You can make a payment, get answers to questions in Wisetack's help center, or talk to the Wisetack payment support team at 1 (888) 711-5854 or payment@loans.wisetack.com.

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by Wisetack's 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 creditworthiness. No other financing charges or participation fees. See additional terms at http://wisetack.com/faqs.

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