Sunbit
Sunbit provides pay-over-time financing for expenses including auto repair, dental and eye care, veterinary care, healthcare, and other services.
What Sunbit is
Sunbit provides pay-over-time financing for expenses including auto repair, dental and eye care, veterinary care, healthcare, and other services. Customers can access it through in-store, on-the-go, or online checkout. Listed customer terms include 3-, 6-, or 12-month plans, with 6- to 72-month plans available for dental care; terms can vary. A point-of-sale plan lists loans from $50 to $20,000 at 0–35.99% APR, subject to approval and state restrictions. Sunbit says its application has no hard credit check and its financing carries no late, origination, or penalty fees. Approval depends on creditworthiness, applicants must be at least 18, and the service is unavailable to residents of US territories. Merchants can connect through options including Stripe, checkout integrations, text-to-pay links, and reporting tools. Customers can manage loans online or through the Android and iOS app. The company also lists a free plan, while merchant pricing is available on request; dental practice fees are stated to start as low as 1.9% and vary with usage.
Good
- Supports in-store, on-the-go, and online checkout.
- Terms include 3-, 6-, and 12-month options.
- Sunbit says financing has no late or origination fees.
- Customers can manage loans in the mobile app.
- Merchant integrations include Stripe.
Watch out
- Financing requires creditworthiness approval.
- Applicants must be at least 18.
- Unavailable to residents of US territories.
- Merchant pricing is available on request.
Who it suits
Sunbit may suit US customers seeking installment financing for services such as vehicle repair or dental care, and merchants looking to offer financing at checkout. Applicants must meet age and approval requirements; US territories are excluded.
Verdict
Sunbit connects consumer installment financing with merchant checkout and payment-management tools. Eligibility, state restrictions, repayment terms, and merchant pricing should be considered before use.
Plans and prices
From Sunbit's own pricing page, checked 30 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Sunbit point-of-sale financing | Priced on request | Loans $50–$20,000 · 3–72 months · 0–35.99% APR · subject to approval and state restrictions |
The facts
Each one read from Sunbit's own pages, with the date it was checked.
Where it runs
- App features
- The Sunbit mobile app lets cardholders schedule, split, and manage payments, report a lost or stolen card, and control when, where, and how the card can be used.checked 30 Sep 2026
What it does
- Card acceptance
- The Sunbit Card can be used online or in-store anywhere Visa is accepted.checked 30 Sep 2026
- Consumer account access
- Customers can manage loans online at mysunbit.com or through the Sunbit mobile app, available from the Apple App Store and Google Play Store.checked 30 Sep 2026
- Consumer fees
- Sunbit says its financing has no late fees, origination fees, penalty fees, or penalty APRs.checked 30 Sep 2026
- Credit card features
- The Sunbit Card page lists no annual, late, application, or processing fees and says users can manage payments in the mobile app.checked 30 Sep 2026
- Customer payment terms
- Customers can choose 3-, 6-, or 12-month plans, with 6- to 72-month plans available for dental care; terms may vary.checked 30 Sep 2026
- Customer support
- Sunbit lists consumer support by phone at 855-678-6248.checked 30 Sep 2026
- Dental merchant pricing
- The dental page states that practice fees can be as low as 1.9% and improve with usage; it does not give a single fixed price.checked 30 Sep 2026
- Dental offering
- Sunbit advertises dental practice fees as low as 1.9%, with pricing improving based on usage.checked 30 Sep 2026
- Digital wallet security
- Sunbit says digital card payments use a virtual number linked to the account instead of sharing the actual card details with the merchant.checked 30 Sep 2026
- Eligibility
- Financing is subject to creditworthiness approval, requires applicants to be at least 18, and is unavailable in or to residents of US territories.checked 30 Sep 2026
- Fees and credit checks
- Sunbit says its application has no hard credit check and no fees or penalties.checked 30 Sep 2026
- Merchant availability
- Sunbit says its point-of-sale lending option is available at over 30,000 service locations.checked 30 Sep 2026
- Merchant channels
- Sunbit describes its financing as usable in-store, on-the-go from a connected device, and online through checkout integration.checked 30 Sep 2026
- Merchant integrations
- The integration offering includes an Estimates SDK, a pre-qualification API, checkout integration, text-to-pay links, and management and reporting tools.checked 30 Sep 2026
- Merchant reporting
- Its partner portal provides performance reporting at associate, store, and multi-location group levels.checked 30 Sep 2026
- Merchant support
- Dental practices are offered dedicated representatives, a US-based support team, on-demand training, and resources, with support described as available 24/7.checked 30 Sep 2026
- Merchant tools
- Its merchant offering includes in-store, on-the-go, and online checkout experiences.checked 30 Sep 2026
- Named integration partners
- The integration partners page lists myKaarma and Workiz among its partners.checked 30 Sep 2026
- Purchase range
- The merchant page lists financing for purchases from $60 to $20,000.checked 30 Sep 2026
- Security
- Sunbit says it uses security measures complying with federal law, including computer safeguards and secured files and buildings.checked 30 Sep 2026
- Stripe integration
- Sunbit works with Stripe through Payment Element or Checkout, and merchants can activate it in their Stripe Dashboard.checked 30 Sep 2026
The company
- Founded
- 2016checked 28 Sep 2026
- Headquarters
- Los Angeles, California, United Stateschecked 28 Sep 2026
