Two numbers decide most of this comparison: $25,000 and $250,000.
The first is Wisetack’s per-job loan cap. The second is Hearth’s. If your average financed ticket exceeds $25,000, Wisetack simply can’t service the job — you need Hearth or you lose the close. If your average ticket is under $25,000, Wisetack is almost always the cheaper, faster, better-integrated option — and Hearth’s $1,499-$1,799/year subscription doesn’t pay for itself.
Two more numbers frame the rest: 3.9% vs $1,799. That’s Wisetack’s flat per-transaction fee vs Hearth’s Pro plan annual subscription. Break-even lands around $45,000 in financed volume per year for contractors using standard-APR loans. Below that, Wisetack is cheaper on pure math. Above that, Hearth’s subscription wins because the incremental job costs zero dealer fee.
Everything else — the integrations, the AI capability, the regulatory history, the auto-renewal pattern, the 85 NPS vs 2.0/5 Capterra — flows from these four numbers and one architectural difference. This page walks through both products’ actual differences, the real pricing math at three contractor scales, how Wisetack’s native Jobber integration changes the operational equation, how GoHighLevel pairs with each one, and the three questions that decide the answer for your specific business.
The Architectural Split: Transaction Fee vs All-in-One Subscription
Before the pricing math, the feature comparisons, or the integration deep-dives, there’s one structural difference that drives every other decision:
Wisetack is a transaction-fee embedded financing product. It lives inside your existing field service CRM (Jobber, Housecall Pro, JobNimbus, ServiceTitan, FieldPulse, and 13+ more), attaches financing to quotes automatically, charges a flat 3.9% only when a customer actually finances, and does nothing else. No sales tools, no AI, no invoicing features — just financing, priced per-transaction, built to disappear into the workflow you already run.
Hearth is an all-in-one annual subscription platform. It’s financing plus digital estimates plus e-signed contracts plus automated invoicing plus ACH/card payments plus — as of November 2025 — Harper AI Receptionist, all bundled into one $1,499-$1,799/year product. It doesn’t integrate natively with Jobber or Housecall Pro; it wants to replace parts of them. Contractors who use Hearth run financing as a standalone workflow alongside their field service CRM, not embedded inside it.
This is the decision underneath every other decision on this page. If you want financing that fires automatically inside your existing quote, pick Wisetack. If you want one platform covering financing + sales tools + AI receptionist in a single subscription, pick Hearth. Everything downstream follows from that framing.
The $25,000 Ceiling: Does It Block You Or Not?
Before the rest of the comparison matters, answer this question: what’s your typical financed job size?
Wisetack’s per-job loan range is $500 to $25,000. That covers the majority of residential service jobs:
- HVAC repair and mid-tier replacements ($3K-$15K typical)
- Plumbing repair and repipes ($500-$15K typical)
- Electrical panel upgrades and service work ($1K-$20K typical)
- Painting and landscape installations ($2K-$20K typical)
- Roofing storm repair and smaller re-roofs ($5K-$25K typical)
- Water heater, sewer lateral, drain clean work ($500-$8K typical)
It does not cover, in a single loan:
- Full re-roofs ($15K-$45K typical, routinely exceeds $25K)
- Solar system installations ($20K-$60K typical)
- Whole-house HVAC replacements in large homes ($15K-$30K)
- Kitchen and bath remodels ($20K-$80K typical)
- Major restoration work ($10K-$100K depending on scope)
- Whole-house renovations ($50K+ easily)
Hearth’s range is $1,000 to $250,000 — the widest in the category. That covers everything Wisetack does plus every job above Wisetack’s cap.
November 2025 update worth knowing: Wisetack announced a LendingClub partnership where LendingClub will begin originating larger home improvement loans through the Wisetack merchant network starting mid-2026. The $25K cap is actively being lifted. If you’re making this decision in Q3 or Q4 2026, revisit whether Wisetack has expanded its ceiling before ruling it out on loan range alone.
Year-One Cost at Three Financing Volume Scales
The subscription-vs-transaction math shows up most clearly when you model actual contractor profiles. Three scenarios below, using standard-APR loans (the most common product type for both platforms):
Year-One Cost at Three Financing Volumes
Wisetack 3.9% flat per transaction vs Hearth Pro $1,799/yr subscription
Critical numbers buried in the math above:
- The crossover point between the two is right around $45,000-$50,000/year in financed volume
- Using 24-month 0% APR promos (which charge 5.5% instead of 3.9% on Wisetack) pulls the crossover closer to $33,000-$38,000/year
- Hearth’s total cost doesn’t scale with volume — whether you finance $15K or $150K in a year, your Hearth bill is the same $1,898 (subscription + setup in year one, then $1,799/year thereafter)
- Wisetack’s total cost scales linearly with every financed dollar — which is a feature at low volume and a bug at high volume
Wisetack + Jobber: The Native Integration That Tips the Scale
For contractors already running Jobber, this section is why Wisetack ranks #1 overall in the financing-tools category.
The Wisetack-Jobber integration is native, free, and bidirectional. You apply for a Wisetack merchant account directly through Jobber’s App Marketplace (one-time setup, 5 business days to process, requires linking your business bank account via Plaid for ACH payout). Once approved, the integration does three things automatically:
- Financing attaches to every qualifying residential quote. When you build a quote in Jobber between $500 and $25,000 and send it to a residential client, Wisetack financing options appear in the quote itself. The homeowner sees monthly payment calculations alongside the total price the moment they open your email or SMS.
- Customer applies and signs inside the quote. No separate link, no separate app. Soft credit pull returns approval offers in under a minute. Homeowner picks a term, signs digitally, and the job moves from “quoted” to “funded” inside Jobber’s pipeline.
- Contractor gets paid 1-3 business days after the job is marked complete. ACH deposit to the bank account linked during onboarding. Wisetack handles collection from the homeowner over the loan term.
Compare to Hearth’s Jobber workflow, which doesn’t exist natively. Hearth has no Jobber integration. Contractors using both platforms send the Hearth financing link separately — via email, SMS, or a link copied from the Hearth dashboard. The customer fills out the Hearth application outside the Jobber quote flow. The approved loan information lives in Hearth, not Jobber. There’s no automatic status sync, no in-quote financing offer, no pipeline update when a loan funds.
For a Jobber-native contractor, this is the single biggest operational difference on this page. Crews that have to remember to send financing links separately almost always forget on some percentage of jobs — which means those jobs close at cash-only rates, not at the 4.5x-larger financed rate Wisetack’s data documents. Wisetack’s Jobber integration means financing offers attach by default. Hearth users have to actively trigger financing on every job.
The integration pattern is identical inside Housecall Pro, ServiceTitan, JobNimbus, FieldPulse, and 13+ other Wisetack-native platforms. Hearth has no native integration with any of them.
The GoHighLevel Pairing: Marketing Layer for Both Products
Neither Wisetack nor Hearth has a native GoHighLevel integration as of April 2026. But the practical experience of pairing GoHighLevel with each is materially different — and it matters for contractors building a full marketing + operations + financing stack.
GoHighLevel + Wisetack + Jobber = seamless chain. In September 2025, HighLevel shipped a native Jobber integration — two-way client sync, historic and live data, AI Voice agent drops appointments directly into Jobber’s calendar. Combined with Wisetack’s native Jobber integration, the full marketing-to-financing flow works end-to-end without Zapier:
- GoHighLevel’s AI Voice answers the inbound call and books the appointment into Jobber
- Crew arrives, builds the quote inside Jobber, sends it with Wisetack financing options attached
- Homeowner signs and finances inside the quote
- Jobber syncs the completed job back to GoHighLevel automatically
- GoHighLevel fires the post-job review request, referral sequence, and rebook nurture
All native integrations, no custom code. See our GoHighLevel vs Jobber comparison for the full breakdown of how those two platforms pair — and why GoHighLevel + Jobber + Wisetack is the cleanest mid-market contractor stack under $500/month combined.
GoHighLevel + Hearth = manual link workflow. No native Hearth integration with GoHighLevel exists. Contractors pairing them have two options:
- Send the Hearth financing link manually from the GoHighLevel conversation inbox after the appointment is booked. Works but requires your team to remember to do it every time.
- Build a Zapier or webhook bridge from Hearth’s (limited) API into GoHighLevel’s contact system. Possible but requires technical setup, paid Zapier subscription, and ongoing maintenance.
Neither option is bad, but both add friction compared to Wisetack’s drop-in-native pattern inside the Jobber quote. For GoHighLevel users evaluating financing fresh, this integration gap is a real reason to lean Wisetack.
Trade-by-Trade: Where Each One Wins
Trade fit depends almost entirely on typical ticket size:
Which Wins for Your Trade
Based on typical job size and the $25K loan-cap threshold
Who Should Pick Wisetack
You should pick Wisetack if any of these apply:
- Your average financed job is under $25,000. Covers the full range where Wisetack operates cleanly — HVAC service, plumbing, electrical, painting, landscaping, and storm-damage roofing.
- You’re on Jobber, Housecall Pro, ServiceTitan, JobNimbus, FieldPulse, or another supported CRM. The native integration eliminates manual workflow friction and makes financing attach by default.
- Your annual financed volume is under $45,000/year. The 3.9% flat beats Hearth’s subscription on pure math.
- You want zero subscription risk. No auto-renewal, no calendar reminders required, no year-two billing surprise. You pay when you close, and only when you close.
- Customer experience matters for your brand. Wisetack’s 85 NPS across 20,000+ homeowner surveys is materially better than Hearth’s Capterra and BBB pattern.
- You’re running GoHighLevel + Jobber as your marketing + operations stack. The Wisetack-in-Jobber native integration plus the GHL-Jobber native integration produces the cleanest end-to-end chain in the category.
Who Should Pick Hearth
You should pick Hearth if any of these apply:
- Your average financed job is between $25,000 and $250,000. Wisetack simply can’t finance the ticket. Hearth’s multi-lender marketplace covers the full range.
- You sell roofing, solar, major remodels, or large restoration work. These trades produce tickets that exceed Wisetack’s cap routinely.
- Your annual financed volume exceeds $45,000/year. Hearth’s subscription math becomes cheaper than Wisetack’s per-transaction fee.
- You want bundled sales-enablement tools plus financing in one subscription. Digital estimates, e-signed contracts, automated invoicing, Harper AI Receptionist, and ACH/card payments all bundled into the $1,499-$1,799/year price.
- You can credibly manage the annual renewal calendar. Setting a reminder 30 days before your renewal date — and actually canceling in writing if you’re not renewing — is non-negotiable given the 91-complaint BBB pattern.
- You don’t rely on native field service CRM integration. If Jobber, Housecall Pro, or ServiceTitan is core to your operation and you want financing embedded in quotes, Hearth’s manual-link workflow is a real operational cost compared to Wisetack’s native pattern.
Who Should Use Both
For contractors with a mixed ticket range — some jobs under $25K, some over — the right answer is often both platforms running in parallel:
- Wisetack handles everything under $25K automatically through your CRM’s native integration. Set-it-and-forget-it for HVAC service calls, plumbing repairs, storm roofing, painting jobs, landscape work.
- Hearth handles the $25K-$250K tier as a secondary workflow. Full re-roofs, solar installs, major remodels, whole-house work — the jobs where Wisetack’s cap locks you out.
The combined cost at real scale usually lands under $3,000/year for most contractors, and you capture the full spectrum of customer ticket sizes without leaving revenue on the table.
Three Questions That Decide It
If you only have five minutes, answer these three questions in order and you’ll have your answer:
1. What’s my average financed job size?
If under $25,000 → Wisetack is almost certainly the right starting point. If over $25,000 → Hearth is the only option that can finance the job. If both → Run both platforms in parallel.
2. What’s my annual financed volume?
Under $45,000/year → Wisetack is cheaper on pure math regardless of ticket size. Over $45,000/year → Hearth’s subscription starts to win on cost, but only if your ticket sizes justify using it.
3. Am I on Jobber, Housecall Pro, ServiceTitan, or JobNimbus?
Yes → Wisetack’s native integration adds significant operational value that Hearth can’t replicate. This factor alone tips most decisions toward Wisetack even when the cost math is close. No, I’m on something else (or no CRM) → The integration advantage narrows. Decision returns to questions 1 and 2.
The bottom line: Wisetack is the default modern POS financing product for the 80% of contractors whose operations fit under its $25,000 cap. It’s cheaper, better-integrated, carries materially better customer sentiment, and has no auto-renewal risk. Hearth is the right answer for the 20% of contractors whose average ticket genuinely exceeds $25K and who can manage the subscription discipline. For everyone in between, running both in parallel is often the most honest answer.
Both products work. Both have legitimate use cases. The wrong move is picking one for reasons that don’t match the three questions above — like picking Hearth for its AI receptionist (standalone AI is cheaper) or picking Wisetack when your average ticket is $60K (it literally can’t fund the job). Start with the questions, follow the math, and the right answer picks itself.
Full write-ups on both: Wisetack review and Hearth review.