Financing

Affordable Tree Service Financing, $0 Down Available

Do not let the cost of a large tree job wait. Swift offers $0-down financing through Wisetack on jobs over $1,500, soft credit check, instant decision, monthly payments, no impact on your credit score.

Check Your Rate →Get Free Estimate →

Why Most Tree Services Do Not Offer This

Tree work can be expensive, heritage oak removal can run $5,000+, full hurricane prep packages can exceed $2,000, and emergency storm-damage repair often hits five figures before insurance kicks in. Most tree contractors require payment in full on completion, period. No financing. No payment plans. No flexibility.

That is because tree services are mostly small operations without the back-office systems to offer financing safely. Setting up consumer financing requires partnerships, compliance, and underwriting infrastructure, most local tree contractors do not have it.

Swift built financing in from day one. We partner with Wisetack, a top-tier home-services consumer financing platform, to give you flexibility on jobs over $1,500. No PSL tree competitor offers this.

How Wisetack Financing Works

Get your free Swift estimate. We come out, walk the trees, and provide a written quote within 4 hours.
Apply for financing through Wisetack. Click the application link. Enter your basic info, name, address, income, last 4 of SSN.
Soft credit check (no impact on your score). Wisetack runs a soft pull, your credit score is not affected, even if you do not accept the offer.
Instant decision. Most applicants get an approval decision in under a minute. You will see your loan terms before you commit.
If approved, accept the terms and book the work. Funds are released to Swift when the job is complete.
Pay monthly. Wisetack sets up automatic monthly payments through ACH or debit card.

Sample Monthly Payments

Actual rates depend on credit profile and term length. Estimates only.

Total Job

12 mo

24 mo

36 mo

60 mo

$1,500

~$135/mo

~$70/mo

~$50/mo

~$33/mo

$2,500

~$220/mo

~$115/mo

~$80/mo

~$54/mo

$5,000

~$435/mo

~$225/mo

~$160/mo

~$108/mo

$8,000

~$695/mo

~$360/mo

~$255/mo

~$172/mo

$12,000

~$1,040/mo

~$540/mo

~$385/mo

~$258/mo

Rates and monthly payments above are estimates only. APR ranges typically run 0% to 35.99%.

Common Wisetack Questions

The things people ask before they apply.

Will applying hurt my credit score?

No. Wisetack uses a soft credit check for the initial application. It does NOT affect your credit score, regardless of whether you accept the loan. A hard credit pull only happens if you formally accept the loan terms and proceed.

How fast is the approval?

Most applicants receive a decision in under 60 seconds. You will see your offered terms (amount, monthly payment, APR, term length) before you commit to anything.

What if I do not qualify?

We have backup options including credit card payment, milestone payments (50% deposit / 50% completion), and project-specific arrangements. Just let us know and we will figure out the right path together.

Can I pay off the loan early?

Yes. Wisetack loans have no prepayment penalty. Pay off your balance any time without extra fees.

Is there a 0% APR option?

Some borrowers qualify for promotional 0% APR offers (typically 6 or 12-month terms). Whether 0% is available depends on your credit profile and the loan amount. Check your specific Wisetack offer at the application step.

What about a job under $1,500?

Wisetack's minimum financed amount is $1,500. For smaller jobs, we accept credit cards, checks, and ACH payment. Most small palm trims and stump grinds are paid at completion.

Ready To Finance Your Tree Job?

$0 down · Soft credit check · Instant decision · Monthly payments · No prepayment penalty