Same day install today. Easy monthly payments through Wisetack. Check your options in under a minute with no impact to your credit.
Call Now (631) 898-5780Wisetack powers our payment plans. They handle the lending, we handle your water heater. Here is what you get.
$500 to $25,000
Covers everything from a basic tank swap to a high-end tankless retrofit with full code work.
0% to 35.9% APR
Rates depend on your credit and the term. Many qualified customers see 0% promotional offers.
3 to 60 months
Pick the term that fits your budget. Shorter term, less total interest. Longer term, lower monthly payment.
A new water heater is one of those home repairs that almost never lines up with a flexible week in your budget. Whether you have a leaking 50 gallon tank, a failed heating element on an electric water heater, or an aging gas water heater that finally quit, our Wisetack financing partnership lets Long Island homeowners spread the cost over fixed monthly payments instead of putting it on a high-APR credit card. The application is a soft credit pull (no impact to your credit score), and approval typically comes back within seconds.
Financing applies to any of our water heater services: same day tank replacement, tankless water heater installation, hybrid heat pump upgrades (which can be stacked with PSEG-LI rebates and the federal tax credit), or emergency water heater repair work. There are no prepayment penalties, no origination fees, and no compounding interest. The total cost is laid out before you accept.
Wisetack financing applies to the entire water heater install, not just the unit. That means the tank or tankless heater itself, all standard fittings, the T&P (temperature and pressure) valve, expansion tank if required by code, anode rod, sediment trap on gas connections, venting (atmospheric flue, power vent, or condensing PVC depending on type), the new gas connector, water supply lines, and the permit pulled with your town. Code corrections to bring older setups up to current Nassau or Suffolk plumbing code are also financeable.
Beyond installation costs, financing covers any hot water heater type: 40, 50, 75, or 80 gallon storage tanks, tankless units rated for the right BTU and GPM, and hybrid heat pump models. Standby loss reduction upgrades, recovery rate improvements, and Energy Star certified replacements all fit. The manufacturer warranty registration and our 1-year labor warranty are included. Phones answered 24/7 for any questions about what does and does not qualify.
No long forms, no paperwork, no waiting for a call back from a bank.
Tell us what's going on with your water heater. We give you a price range and ask if you'd like to pre-qualify for financing.
We text you a Wisetack link. Fill out a few basics on your phone. Soft credit pull, so checking does NOT impact your score.
You'll see up to 6 monthly payment options. Choose the term and payment that works for your budget.
We get paid in full, you pay Wisetack over time. Most calls before noon are installed the same day.
Credit cards are easy to use. They are an expensive way to borrow on a $2,500 install.
| Factor | Credit Card | Wisetack Financing |
|---|---|---|
| APR | ~19% to 24% average | 0% to 35.9% (often well below CC) |
| Interest type | Compounding daily | Simple interest |
| Credit check | Hard pull when opening | Soft pull, no score impact |
| Hidden fees | Annual fee, late fee, etc. | None |
| Total cost visibility | Hard to predict | Shown upfront |
| Affects credit utilization | Yes | No (installment, not revolving) |
No. Wisetack uses a soft credit pull to check eligibility, which is invisible to other lenders and does not affect your credit score. A hard pull only happens after you accept a specific loan offer.
Most applications are decided in about 30 seconds. You'll get a text with up to 6 payment options to choose from.
APRs range from 0% to 35.9% depending on your credit and the loan term. Many customers with good credit see 0% promotional offers on shorter terms. You'll see your exact rate before you commit.
No prepayment penalties, no origination fees, and no compounding interest. Simple interest only. Late fees can apply if you miss a payment, but the structure is straightforward.
Yes, anytime, with no penalty. Paying off early saves on the remaining interest.
Anywhere from $500 to $25,000, depending on your approval. That range covers basic tank swaps all the way up to premium tankless retrofits with significant code work and rebated heat pump units.
Yes. Financing covers the install cost; rebates from PSEG-LI, National Grid, or the federal tax credit come back to you separately. See our rebates page for details.
Wisetack's approval rate is high, but if you're not approved for the full amount you may be approved for a smaller amount or see different terms. We work with you to find a path that fits.
All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by its lending partners. APRs range from 0% to 35.9%. For example, a $1,000 purchase could cost $45.18/mo over 24 months at 8.9% APR. Not all applicants will qualify for the lowest rate.