Sunbit

C tier on Buy Now, Pay Later PlatformsScore 6.7 · #4 of 26

Android app: Yes
Free plan: No
Runs on: Android, iOS, Web

sunbit.com

Summary

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.

Who it is for

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.

What is 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.

What to know first

Financing requires creditworthiness approval.
Applicants must be at least 18.
Unavailable to residents of US territories.
Merchant pricing is available on request.

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.

Sunbit plans and pricing

All plans

Sunbit point-of-sale financing Not published Loans $50–$20,000 · 3–72 months · 0–35.99% APR · subject to approval and state restrictions sunbit.com · 30 Sept 2026

Compared on buy now, pay later platforms

Free plan: Yessunbit.com
Checkout channels: omnichannelsunbit.com
Repayment terms: 3, 6, and 12 months; 6–72 months available for Dental Caresunbit.com
Merchant platforms: Stripesunbit.com
Merchant settlement: scheduledsunbit.com
Consumer regions: United States, excluding U.S. territoriessunbit.com
Merchant dashboard: Yessunbit.com

Facts

What it does: Sunbit provides pay-over-time financing for everyday expenses including auto repair, dental care, eye care, veterinary care, and more.sunbit.com · 30 Sept 2026
Merchant tools: Its merchant offering includes in-store, on-the-go, and online checkout experiences.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 2026
Purchase range: The merchant page lists financing for purchases from $60 to $20,000.sunbit.com · 30 Sept 2026
Fees and credit checks: Sunbit says its application has no hard credit check and no fees or penalties.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 2026
Named integration partners: The integration partners page lists myKaarma and Workiz among its partners.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 2026
Security: Sunbit says it uses security measures complying with federal law, including computer safeguards and secured files and buildings.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 2026
Use cases: Its pay-over-time financing is offered for auto repair, dental care, eye care, veterinary care, healthcare, and other services.sunbit.com · 30 Sept 2026
Merchant channels: Sunbit describes its financing as usable in-store, on-the-go from a connected device, and online through checkout integration.sunbit.com · 30 Sept 2026
Stripe integration: Sunbit works with Stripe through Payment Element or Checkout, and merchants can activate it in their Stripe Dashboard.sunbit.com · 30 Sept 2026
Merchant reporting: Its partner portal provides performance reporting at associate, store, and multi-location group levels.sunbit.com · 30 Sept 2026
Consumer fees: Sunbit says its financing has no late fees, origination fees, penalty fees, or penalty APRs.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 2026
Dental offering: Sunbit advertises dental practice fees as low as 1.9%, with pricing improving based on usage.sunbit.com · 30 Sept 2026
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.sunbit.com · 30 Sept 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.sunbit.com · 30 Sept 2026
Card acceptance: The Sunbit Card can be used online or in-store anywhere Visa is accepted.sunbit.com · 30 Sept 2026
Customer support: Sunbit lists consumer support by phone at 855-678-6248.sunbit.com · 30 Sept 2026
Merchant availability: Sunbit says its point-of-sale lending option is available at over 30,000 service locations.sunbit.com · 30 Sept 2026