Overpayment

What happens if I pay more than the amount that is due?

Wisetack works with a number of lending partners to provide financing. Where you make a payment and how you manage your financing depends on your lending partner.

You can find your lending partner on the confirmation email sent when you completed your purchase. If you need help finding your lender, feel free to call our Wisetack support team for help: 1 (833) 927-0333.

 

Lender: Citizens PayⓇ

If your lender is Citizens Pay, your account is managed by Citizens Pay. 

Please contact Citizens Pay to discuss payment details.


Lender: Hatch Bank

If your lender is Hatch Bank, manage your account with Wisetack.

If you pay more than the amount that is due, and you have a past due balance, the extra amount (or overpayment) goes toward any past due loan balance. If your loan is current, the extra amount is applied toward the loan principal. 

Overpayments can help:

  • Reduce the number of future scheduled payments.
  • Lead to a smaller final payment.
  • Save on interest that hasn't accrued yet.

 

Click here for more details about payments