We Offer Financing Through Wisetack
Pay over time rather than all at once. Checking your options does not impact your credit score.
We've partnered with Wisetack to offer our customers flexible financing options, so you can pay over time rather than all at once. The application takes about a minute to complete, and checking your options does not impact your credit score.
- Finance projects up to $25,000*
- Terms from 3 to 60 months*
- APRs range from 0 to 35.9%*
- No hidden fees or compounding interest
Prequalify today with no impact to your credit and contact us to learn about financing your next project!
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,000 purchase could cost $45.18 a month for 24 months, based on a 7.9% APR, or $333.33 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 wisetack.com/faqs.
How Financing Works With Charme and Sons
Financing is handled by Wisetack, a third-party lending platform. We do not make the loans, set your rate or see your credit report. You apply on Wisetack's secure page, you see the offers available to you, and you choose whether to use one. Nothing about the application changes our price for the work.
The usual order is simple. We look at the job and give you an upfront price. If you want to spread that cost out, you prequalify, pick a term that fits your budget, and we schedule the work. Because the quote comes first, you know exactly how much you are financing before you apply.
When Financing Makes Sense for Home Repairs
Some repairs cannot wait for the next paycheck, and some projects are easier to take on as a single phase than as a string of small jobs. Financing can help in situations like these:
- A repair that is getting worse with time, such as a leak, a failing door or damaged flooring
- A bundle of repairs you would like done in one visit instead of spread across a year
- Getting a home ready to list, where finishing the work before the sale matters more than the timing of the payment
- A rental turnover where the unit needs to be back on the market quickly
- Safety upgrades for an older family member, such as grab bars, handrails and lever handles
What to Know Before You Apply
Read the offer, not just the monthly payment. A longer term lowers the monthly amount but usually means more interest over the life of the loan, and the rate you are offered depends on your credit. The terms listed on this page are the published ranges, and your own offer may be different.
Prequalifying is designed to be a soft check that does not affect your credit score. Accepting a loan offer is a separate step, and the lender will explain what that involves before you commit. If anything on the lender's page is unclear, ask us or contact Wisetack directly before you accept.
Financing is optional. If you would rather pay another way, we are happy to talk through the options when you request a quote.
Our Pricing Approach
Whether you finance or not, our approach to pricing is the same. We look at the work, explain what is involved and give you the price before we begin. We do not add fees after the fact, and every job is backed by our 100% satisfaction guarantee. Charme and Sons is licensed and bonded in Arizona (ROC#335225), so you are dealing with an accountable local company.
Financing Questions
Does applying for financing change the price of my project?
No. We give you a price for the work first. Financing only changes how you pay it, not what the job costs.
Can I finance a small repair?
The lender sets the minimum and maximum amounts. If you are not sure whether your job qualifies, call us and we will point you the right way.
What happens if I am not approved?
You can still book the work and pay another way. Not being approved for financing does not affect our estimate.
Do I have to finance through Wisetack to hire you?
No. Financing is an option for customers who want it, never a requirement.
Who do I contact about my loan?
Questions about your application, approval, terms or payments go to Wisetack and its lending partners. Questions about the work itself come to us at (623) 521-0111.
Ready to check one more thing off your list?
Free estimates. Upfront pricing. 100% satisfaction guaranteed.