Get it done now.
Pay over time.
*Illustrative example: $2,000 financed at 0% APR for 36 months. Subject to credit approval; your terms may vary.
Break your project into simple monthly payments. Checking your options takes about a minute — with no impact to your credit score.
Scan to prequalify
Point your phone camera here to see your monthly payment options instantly.
Finance almost anything we offer
Vcita Homeowner Bonus
Say yes to your project today and we’ll reward you. Finance any qualifying project and earn up to $300 in Vcita credit to spend in our store or on your next service — our thank-you for letting us take care of your home.
Finance $1,500+
$75
Vcita credit
Finance $5,000+
$150
Vcita credit
Finance $10,000+
$300
Vcita credit
How to claim your bonus
- Apply and get approved for financing on your project (Wisetack or Synchrony).
- Let us know you financed — mention the Homeowner Bonus when we schedule the work.
- Once your project is complete, we add your Vcita credit to your account to use in our store or on future service.
The Vcita Homeowner Bonus is a promotion from Vcita Home Inspection & Service LLC and is not provided by, endorsed by, or affiliated with any lender. The bonus is issued as Vcita store and service credit (not cash) and is applied after your financed project is approved, completed, and paid. Credit amount is based on the total financed project price and is limited to one bonus per household. Financing is provided by third-party lenders and is subject to credit approval; lender terms are disclosed by the lender. Offer may be changed or discontinued at any time and cannot be combined with other financing promotions.
Two easy ways to pay over time
Choose the option that fits your project. Both are quick to apply for and subject to credit approval.
Pay monthly
Wisetack
The fastest way to spread a project into simple monthly payments. Perfect for inspections, repairs, and mid-size jobs.
- Check your options in about a minute
- Soft credit check — won't affect your score
- Best for $500 – $25,000 projects
- No prepayment penalties
Special financing
Synchrony
A reusable financing account built for bigger projects, with promotional financing offers available on approved credit.
- Promotional financing on qualifying purchases
- A reusable credit line for future projects
- Great for larger home-improvement investments
- Backed by Synchrony Bank
How financing works
Three simple steps. No paperwork, no waiting rooms, no pressure.
Check your options
Tap Prequalify and answer a few quick questions. It takes about a minute and won't affect your credit score.
Pick your plan
See the monthly payment options you prequalify for and choose the one that fits your budget.
Get to work
Confirm your plan and we get started. You make simple monthly payments — no surprises, no hassle.
Why customers love it
Transparent, flexible, and built to earn your trust.
0% APR available for qualified buyers
Well-qualified customers may see 0% APR offers. Rates and terms depend on your credit and purchase amount.
Checking won't affect your credit
Seeing your options is a soft credit check. Your score stays exactly where it is until you choose to move forward.
No hidden or surprise fees
No prepayment penalties and no origination fees. Pay it off early any time with no extra cost.
Fast, simple, and secure
Apply from your phone in about a minute. Most people get a decision on the spot.
Flexible monthly payments
Choose a plan that fits your budget with terms from 3 to 60 months for eligible amounts.
Real payment plans for real projects
Finance from $500 up to $25,000 for inspections, repairs, doors, cabinets, dumpsters, and more.
Big projects, comfortable payments
Instead of paying everything up front, spread the cost into predictable monthly payments that fit your budget. You'll see your exact rate, term, and payment before you agree to anything — no surprises.
- 0% APR for qualified buyers
- No hidden or prepayment fees
- Terms from 3 to 60 months
Ready to see what you qualify for?
Soft credit check · Won't affect your score
Frequently asked questions
Let's get your project moving
Check your monthly payment options now, or reach out and we'll walk you through it. No obligation, no hassle.
All financing is subject to credit approval. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase might cost $104.89/month over 12 months at a 15% APR. Payment options depend on your purchase amount, and a down payment may be required. Loans are made by Hatch Bank or other lending partners. See the Truth in Lending disclosures provided during checkout for your actual terms. Actual terms are based on your credit and are agreed upon at the time you complete your application. Checking whether you prequalify will not affect your credit score. Wisetack financing is available to residents of the United States only.
Financing account issued by Synchrony Bank. Subject to credit approval. Minimum monthly payments are required. Promotional financing offers may be available on qualifying purchases; the specific promotional terms, minimum purchase amounts, and promotional periods are presented to you before you complete your application and are described in your Synchrony credit agreement. Standard account terms apply to non-promotional purchases and, after any promotional period ends, to any remaining eligible balance. Synchrony financing is available to residents of the United States only.