Sunbit
Los Angeles, California, United States
What it is
Sunbit provides pay-over-time financing for expenses such as auto repair, dental care, eye care, veterinary care, healthcare, and other services. Customers can use it through in-store, on-the-go, or online checkout experiences. Listed terms include 3-, 6-, and 12-month plans, with 6- to 72-month plans available for dental care; terms may vary. The 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 has no late, origination, or penalty fees. Approval depends on creditworthiness, applicants must be at least 18, and financing is unavailable to residents of U.S. territories. Merchant tools include Stripe checkout, text-to-pay links, and reporting tools. Consumers can manage loans online or through the Android and iOS app. The company lists a free plan, while merchant pricing is available on request; dental practice fees are stated to start as low as 1.9% and improve with usage.
For and against
For
- Supports in-store, on-the-go, and online checkout
- Lists 3-, 6-, and 12-month terms
- No hard credit check for the application, according to Sunbit
- No late, origination, or penalty fees, according to Sunbit
- Consumers can manage loans online or in the app
Against
- Financing is subject to creditworthiness approval
- Applicants must be at least 18
- Unavailable to residents of U.S. territories
- Merchant pricing is available on request
The verdict
Sunbit combines consumer financing with checkout and reporting tools for merchants. Customers should review the listed loan terms and eligibility restrictions before applying.
Who it suits
Sunbit may suit customers seeking installment financing for listed services and merchants looking to add pay-over-time checkout. Approval and geographic restrictions apply, and merchant pricing is available on request.
Plans and prices
Sunbit point-of-sale financing
Loans $50–$20,000 · 3–72 months · 0–35.99% APR · subject to approval and state restrictions
Read 30 Sep 2026 · sunbit.com
On the record
- 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 · read 30 Sep 2026
- Card acceptance
- The Sunbit Card can be used online or in-store anywhere Visa is accepted.sunbit.com · read 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.sunbit.com · read 30 Sep 2026
- Consumer fees
- Sunbit says its financing has no late fees, origination fees, penalty fees, or penalty APRs.sunbit.com · read 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.sunbit.com · read 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.sunbit.com · read 30 Sep 2026
- Customer support
- Sunbit lists consumer support by phone at 855-678-6248.sunbit.com · read 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.sunbit.com · read 30 Sep 2026
- Dental offering
- Sunbit advertises dental practice fees as low as 1.9%, with pricing improving based on usage.sunbit.com · read 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.sunbit.com · read 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.sunbit.com · read 30 Sep 2026
- Fees and credit checks
- Sunbit says its application has no hard credit check and no fees or penalties.sunbit.com · read 30 Sep 2026
- Merchant availability
- Sunbit says its point-of-sale lending option is available at over 30,000 service locations.sunbit.com · read 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.sunbit.com · read 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.sunbit.com · read 30 Sep 2026
- Merchant reporting
- Its partner portal provides performance reporting at associate, store, and multi-location group levels.sunbit.com · read 30 Sep 2026
- Merchant support
- Sunbit says merchant partners receive dedicated account and partner success managers, training, marketing resources, and one-on-one coaching.sunbit.com · read 30 Sep 2026
- Merchant tools
- Its merchant offering includes in-store, on-the-go, and online checkout experiences.sunbit.com · read 30 Sep 2026
