Wisetack Plumbing & HVAC Financing in Granger, IN

Not every project is a full system replacement. A compressor goes out, a sewer line needs a hydro-jet, a water heater floods the basement on a weekend. For repairs and mid-sized projects, Cavinder Plumbing, Heating and Cooling partners with Wisetack so homeowners across Granger, South Bend, Mishawaka, Elkhart, and the rest of Michiana can spread the cost over manageable monthly payments instead of putting it on a high-interest card.

This page covers how Wisetack works with Cavinder and how to pre-qualify. For larger installations and longer terms, see Synchrony financing, and for the full overview see our main financing page.

What Wisetack Financing Is Best For

Wisetack is built for service calls and mid-sized work, where you want a fast, simple application and a flexible term:

• Compressor, capacitor, and other major AC or furnace repairs
• Boiler repair
• Tank water heater replacement
• Sewer-line hydro-jetting and drain repairs
• Slab-leak repair and backflow prevention work
• Indoor air quality systems such as whole-home humidifiers, UV purifiers, and air filtration
• Emergency service calls across Michiana

Loan amounts commonly land in the $500 to $25,000 range with terms from 3 to 60 months. There are no prepayment penalties and no hidden fees. The specific terms available to you are set by Wisetack and appear during pre-qualification.

How the Wisetack Pre-Qualification Works

1. Get a written Cavinder estimate. Our technician provides a flat-rate quote on-site so you know the project total before applying.
2. Pre-qualify online. Enter your project amount and basic information. The entire flow is on Wisetack's secure site.
3. A soft credit check runs. Pre-qualification does not affect your credit score.
4. Review your terms. If approved, you see your available monthly payment options before committing.
5. We complete the work and you pay Wisetack directly on your chosen schedule.

Pre-Qualify with Wisetack

Wisetack vs. Synchrony: Which One Fits

Both lenders run soft credit checks at pre-qualification, so neither affects your score until you accept an offer. The difference is the project:

• Choose Wisetack for repairs, water heater replacements, drain and sewer work, and mid-sized projects, especially when you want a quick approval and a flexible short-to-medium term.
• Choose Synchrony for full system installations, high-efficiency upgrades, and larger commercial projects where promotional terms and a longer payoff make sense.

We will point you to the right program based on your written estimate.

Frequently Asked Questions

Will pre-qualifying with Wisetack affect my credit?

No. Wisetack uses a soft credit pull at pre-qualification, which does not affect your credit score. A hard inquiry only occurs if you accept a final loan offer.

Is there a minimum or maximum project amount?

Wisetack financing typically starts around $500 and commonly goes up to about $25,000. For larger installations, Synchrony is usually the better fit.

Are there prepayment penalties or hidden fees?

No. Wisetack has no prepayment penalties and no hidden fees. You can pay the loan off early without a penalty.

Can I use Wisetack for an emergency service call?

Yes. Wisetack is well suited to emergency repairs. Once our technician provides a written estimate, you can pre-qualify on the spot.

Who do I make payments to?

You pay Wisetack directly on the schedule you select. Cavinder is paid at project completion.

Pre-Qualify or Ask Cavinder

Call (574) 633-4557 or request a written estimate and we will walk you through the Wisetack pre-qualification on-site. See also Synchrony financing for larger installations. Licensed in Indiana (CO19900013 HVAC / PC19700254 plumbing).