> For the complete documentation index, see [llms.txt](https://help.paintscout.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.paintscout.com/support/integrations/financing/wisetack-s-0-apr-add-ons.md).
# Wisetack 0% APR Add-ons
Wisetack 0% APR add-ons let you offer PaintScout customers extended interest-free financing for 6, 12, or 24 months beyond the standard 3-month term.
{% hint style="warning" %}
The Wisetack integration is only available to companies located in the United States.
{% endhint %}
The standard Wisetack approval includes a 3-month 0% APR\* option. Add-on plans extend this to 6, 12, or 24 months. Your transaction fee varies based on which option the customer selects, but you only pay the higher fee when a customer qualifies for and chooses an extended term. Otherwise, you pay the standard 3.9% fee.
***
## How do I enroll in 0% APR add-ons?
Go to **Account Settings** → **Integrations** → **Wisetack** → **Settings**. Select your desired plan. It saves automatically, and Wisetack sends a confirmation email shortly after.
### What Happens Next?
When you're enrolled in a 0% APR add-on, nothing will change in your day-to-day. If your customer qualifies, a 0% APR financing option from your selected add-on plan will simply appear among the financing options they will see in an application.
Your merchant fee will change based on the 0% option your customer picks. For example, if you choose to offer 0% APR for up to 12 months, qualified customers will see 3, 6, and 12 month 0% APR options. All options above 12 months would be interest-bearing.
***
## Who qualifies for 0% APR financing?
Wisetack evaluates credit score, loan amount, income, and other factors to determine eligibility. Enrolling in 0% add-ons does not guarantee your customer will qualify. Do not promise specific financing terms to customers.
{% hint style="warning" %}
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 .
{% endhint %}
## Related articles
* [Wisetack Progress Payments](/support/integrations/financing/wisetack-progress-payments.md) — Split financed jobs into initial and final payouts
* [Wisetack](/support/integrations/financing/wisetack-integration.md) — Set up financing for estimates and invoices
---
# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.
## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.
Perform an HTTP GET request on the current page URL with the `ask` query parameter:
```
GET https://help.paintscout.com/support/integrations/financing/wisetack-s-0-apr-add-ons.md?ask=
```
The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.
Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.