Financing — $500 to $25,000, 3 to 24 months
For deductibles, non-covered items and uninsured water damage, mold or sewage jobs, Vault offers financing through Wisetack. Checking your rate takes about a minute and does not affect your credit score.
How it works
- Soft credit check — no impact on your credit score to see if you qualify.
- Amounts — $500 to $25,000.
- Terms — 3 to 24 months.
- Decision — in minutes.
- Funds — applied directly to your Vault invoice; you pay Wisetack over the term.
What financing covers
- Your deductible before the carrier reimburses us.
- Non-covered items the policy excludes (older roof, long-term seepage, maintenance items).
- Fully uninsured jobs (no claim filed, lapsed policy, or carrier denial).
- Mold remediation and reconstruction scopes outside water-damage coverage.
How to apply
- Request a free written estimate — call (385) 250-2825 or use /contact-us/.
- Once you have the estimate, we send you a Wisetack link for the exact amount.
- You enter your details and get a decision in minutes.
- On approval, Wisetack pays Vault; you pay Wisetack on your chosen schedule.
Financing is subject to credit approval. Rates and terms are set by Wisetack; Vault Mold Removal LLC is not the lender and does not control approval decisions. Loans made by participating Wisetack lenders. See wisetack.com for state licenses and disclosures.
How insurance and financing fit together
On a covered loss, Vault documents the damage, logs daily moisture readings, writes the scope in Xactimate and bills your carrier directly. That covers State Farm, USAA, Allstate, Farmers and Bear River Mutual. You owe your deductible plus anything the policy doesn’t cover. Financing is only for that portion.
Financing questions
Does checking my rate affect my credit score?
No. Wisetack uses a soft credit check, which does not affect your credit score.
How much can I finance, and for how long?
From $500 to $25,000, over 3 to 24 months.
What can I use it for?
Deductibles, items your policy doesn’t cover, or jobs with no insurance claim at all.
Is Vault the lender?
No. Financing is provided through Wisetack and is subject to credit approval. Rates and terms are set by Wisetack, not Vault.
Do I need an estimate first?
Yes. Estimates are free and written for water damage, sewage and sewer line work. Mold remediation estimates are free after the initial assessment. The estimate sets the amount you finance.
Wisetack vs a credit card for a restoration job
Many homeowners default to a credit card for emergency work because it’s instant. Here’s what that trade-off looks like for restoration-sized amounts:
| Factor | Credit card | Wisetack |
|---|---|---|
| Approval friction | Already approved up to your limit | Rate check in minutes; soft pull only |
| Credit impact at approval | None | None — soft pull |
| Typical APR | 20–29% variable | Fixed; set by approved offer |
| Term | Open-ended minimum payment | Fixed 3–24 months |
| Prepayment penalty | None | None |
| Credit utilization effect | Can tank your score if ratio spikes | Installment loan; no utilization hit |
| Direct to contractor | You pay the card, use rewards | Wisetack pays Vault; you pay Wisetack |
What to expect when you apply
- Get your free written estimate from Vault.
- We text or email a Wisetack link for the exact amount of your scope.
- You enter name, address, date of birth, and the last four of your SSN on Wisetack’s site. Takes under three minutes.
- Wisetack returns offers in minutes — pick the term that works.
- Sign electronically. Funds post to Vault within one business day; your scheduled start date doesn’t change.
Financing questions
Does checking my rate hurt my credit score?
No. Wisetack does a soft credit pull to show you offers; a soft pull does not affect your FICO or VantageScore. A hard pull only happens if you accept an offer and sign the loan agreement.
What credit score do I need?
Wisetack doesn’t publish a minimum. They look at a mix of credit history, income, and the loan amount. Many borrowers with mid-600s scores see offers; terms are better at higher scores.
Can I pay it off early?
Yes, any time, with no prepayment penalty. Interest only accrues on the days the balance is outstanding.
Can I use financing to cover my deductible only?
Yes — the minimum is $500. Many customers finance just the deductible while waiting for an insurance payout, then pay it off when the check clears.
What if my insurance pays Vault directly?
No conflict. The financed amount is for your out-of-pocket portion only. If the carrier later supplements coverage, your financing balance drops to match.
Is Vault the lender?
No. Vault refers you to Wisetack for financing; Wisetack and its partner banks are the lenders. We don’t see your credit information and don’t participate in approval decisions.