Paying for it
The boiler didn't ask permission. Neither does the bill.
Financing for Plumbing & Heating Work in Rhode Island
Big mechanical failures don't schedule themselves around your savings account. We finance through Wisetack, 0% for up to 24 months for those who qualify: so the right fix never loses to the cheap patch.
How it works
Financing at SOS is deliberately boring. You get the same flat quote as everyone else, approved by you before any work starts. If you'd rather spread the cost, say so. We send a Wisetack link you can open on your phone, you see your real options in about two minutes, and you pick one or you don't. The work proceeds either way.
What you can actually get
- 0% for up to 24 months: the best tier, offered to customers whose credit qualifies
- 0% for 12 months: where most approvals land, and still a genuinely free way to spread a big repair
- Standard plans with interest: longer terms and smaller payments when 0% isn't in reach
- A soft credit check to look: seeing your options doesn't affect your score; a hard pull only happens if you choose a plan
Terms come from Wisetack based on your credit, not from us, and we never mark a job up for financing it.
Where it makes the most sense
- Boiler replacement: the highest-ticket surprise a Rhode Island house can spring, and the one where a high-efficiency upgrade pays part of its own note in fuel savings
- Water heater replacement: same-day swaps don't wait for payday
- Repipes and sewer line work: the fix-it-once jobs that beat years of emergency calls
- Whole-home filtration: well-water treatment stacks sized to the test, not the budget
The one rule
The price is the price. Financing never pads the quote, the number you approve is the number on the invoice, however you choose to pay it. And when a repair can safely buy you a season to plan instead, we'll tell you that too.
Financing is provided by Wisetack and its lending partners, and all financing is subject to credit approval. Rates and terms are set by the lender based on your credit, not by SOS. 0% offers are not available to every applicant.
Money questions
Asked before every big job.
Who provides SOS financing?
We finance through Wisetack, which specializes in home-service projects. You apply from your phone in a couple of minutes and see your real options before committing to anything.
Can I really get 0% financing?
Yes, for those who qualify. Wisetack offers 0% terms up to 24 months depending on your credit; in practice most approvals come back at 12 months at 0%. Standard plans that carry interest are available too, so there's usually an option either way.
Does checking my options affect my credit score?
No. Seeing what you qualify for is a soft credit check that doesn't affect your score. A hard inquiry only happens if you choose a plan and move forward.
What work can I finance?
Anything we quote, boiler and water heater replacements, repipes, filtration systems, sewer and drain work, emergency repairs. If you'd like to spread the cost, just say so when we give you the price.
Can I finance an emergency repair?
Yes, emergencies are exactly when financing earns its keep. The tech can walk you through options on site, before you approve the work, so the decision is never made under duress.
Do you charge more if I finance?
No. The flat price you approve is the same price whether you pay by check, card or monthly payments. Financing terms come from the lender, not from a padded quote.