Financing for Chimney Repairs and Rebuilds: Pre-Qualify in 60 Seconds With a Soft Credit Check in 60 Seconds With a Soft Credit Check

We partner with Wisetack to make larger chimney work affordable. Soft credit check (no impact to your score), 60-second pre-qualification, and terms commonly running up to 60 months. It is most often used for repairs, rebuilds, fire damage restoration, and major masonry work.

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READY TO SCHEDULE YOUR SERVICE?

One call gets you a real person, a real estimate, and a team that treats your home like our own.

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HOW IT WORKS

Financing Made Simple

Flexible monthly payment options with a straightforward process and no pressure.

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Get an Estimate

Receive a free written estimate from Perfect Chimney Cleaning with itemized pricing and no obligation.

Same as Any Estimate

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Pre-Qualify With Wisetack

Enter basic information, complete a soft credit check, and instantly view real financing options.

About 60 Seconds

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Choose Your Plan

Select the loan term and monthly payment that fits your budget.

Your Decision

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Approve & Start Work

Sign the agreement, schedule the work, and Wisetack pays us directly while you pay monthly.

On Your Timeline

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Pay It Off

Make monthly payments with no prepayment penalty if you'd like to pay early.

Up To 60 Months

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Credit Score Reminder

Pre-qualification does not affect your credit score. A hard credit check only happens if you accept a financing offer and proceed with the loan.

Eligibility & Terms At A Glance

Item Detail
Soft Credit Check
 Yes — no impact to your credit score for pre-qualification
Pre-Qualification Time
 About 60 seconds online
Loan Amounts
 Varies by Wisetack underwriting, based on total project cost and your credit profile.
Typical Terms
 Up to 60 months
APR Range
 Determined by Wisetack during pre-qualification and varies by credit profile and loan term.
Down Payment
 Not required for most approved applications
Prepayment Penalty
 None
What Qualifies
 Chimney repairs, rebuilds, fire damage restoration, masonry work, liner replacement, cap installation, and larger project work.
What Doesn't Qualify
 Routine annual sweeps and inspections are generally paid at time of service. Commercial or entity-level borrowing not currently supported.
Who Can Apply
 Individual property owners using personal credit. HOA entities and property management companies are generally not eligible.
Lender
 Wisetack and its lending partners provide regulated financing with transparent terms and no hidden fees.
Perfect Chimney Cleaning's Role
 Perfect Chimney Cleaning refers customers to Wisetack. Credit information is not seen or stored by Perfect Chimney Cleaning.

Thank you for contacting us.
We’ll get back to you as soon as possible.

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We got it.

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Contact Form 

Pre-qualification is a soft credit check — no impact to your credit score. Loan offers are subject to Wisetack's approval. Questions about financing? Call (336) 604-6711 (Triad) or (984) 777-8853 (Triangle).

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Contact Perfect Chimney Cleaning

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Triad — Greensboro Office

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Triangle — Raleigh Office

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Greensboro

317 S Westgate Dr, Ste E, Greensboro, NC 27407

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Raleigh

105 Star St, Raleigh, NC 27610

CSIA-Certified #12553 | Fully Insured | Wisetack Financing | 24/7 Emergency

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Frequently Asked Questions

  • Will applying hurt my credit score?

    Pre-qualifying with Wisetack uses a soft credit check, which does not affect your credit score. A hard credit check happens only if you accept a financing offer and proceed with the loan.

  • Do you finance routine sweeps and inspections?

    Wisetack financing is typically reserved For larger scope: repairs, rebuilds, fire damage restoration, major masonry. Routine sweeps and standard inspections are usually paid at the time of service. Ask at your estimate if your specific scope qualifies.

  • How long does financing take from application to scheduled work?

    Pre-qualification is about 60 seconds. Final approval and loan agreement signing typically completes within 1–2 business days. Work scheduling follows our normal cadence — emergency and time-sensitive work is prioritized regardless of financing.

  • Can my property management company or HOA use Wisetack?

    Wisetack consumer financing is for individual property owners with personal credit. Property management companies and HOA entities typically cannot use Wisetack. For commercial accounts, please contact us to learn about our master service agreement and net-30 invoicing structure.

  • What if I don't qualify or the terms don't work for me?

    Wisetack's underwriting decides what terms you qualify for. If the offer doesn't fit your budget, you can decline with no impact. We can also discuss phasing the work over multiple cycles, scope adjustments to reduce the total, or other payment arrangements at the office.