Sunbit provides pay-over-time financing for expenses such as auto repair, dental care, eye care, veterinary care and other services. Customers can use it through in-store, on-the-go and online checkout. Listed terms include 3-, 6- or 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 applications have no hard credit check and that financing has no late, origination or penalty fees. Approval depends on creditworthiness, applicants must be at least 18, and the service is not available to residents of US territories. Merchants can use integrations including Stripe checkout, text-to-pay links, APIs and reporting tools. Customers can manage loans online or through the Android and iOS app. A free plan is listed, while merchant pricing is available on request; dental practice fees can start as low as 1.9% and vary with usage.
Who it is for
Sunbit suits US consumers seeking payment plans for eligible services and merchants looking to offer financing at physical or online checkout. Applicants must be at least 18 and qualify based on creditworthiness; residents of US territories are excluded.
What is good
- Financing is offered across in-store, on-the-go and online checkout.
- Listed repayment terms include 3, 6 and 12 months.
- Sunbit says applications involve no hard credit check.
- Consumer financing has no late, origination or penalty fees.
- Customers can manage loans online or in the mobile app.
What to know first
- Financing is subject to creditworthiness approval.
- Applicants must be at least 18.
- Residents of US territories are not eligible.
- Merchant pricing is available on request.
Verdict
Sunbit connects consumer payment plans with merchant checkout and reporting tools across several service categories. Eligibility, state restrictions and variable terms affect whether a particular customer or purchase qualifies.
Get started with Sunbit
- Visit the Sunbit website.
- Customers can manage loans at mysunbit.com or use the Android or iOS app.
- Merchants can explore checkout integrations, text-to-pay links, and reporting tools.
- Merchants using Stripe can activate Sunbit through Payment Element or Checkout in the Stripe Dashboard.
- Ask about merchant pricing; dental practice fees can start as low as 1.9% and vary with usage.
Limits to know first
The point-of-sale plan lists $50–$20,000 loans at 0–35.99% APR, subject to approval and state restrictions. Applicants must be at least 18, and financing is unavailable to residents of US territories; dental repayment terms of 6–72 months may vary.
Questions about Sunbit
How much does Sunbit cost?
Merchant pricing is available on request. Dental practice fees can be as low as 1.9% and improve with usage.
Does Sunbit offer a free plan?
Sunbit lists a free plan. Merchant pricing is also available on request.
Which repayment terms are available?
Listed terms include 3, 6, or 12 months, with 6- to 72-month plans available for dental care. Terms may vary.
Which platforms can customers use?
Customers can manage loans online or through the Android and iOS mobile app.
Who is eligible for financing?
Approval depends on creditworthiness, and applicants must be at least 18. Financing is unavailable to residents of US territories.
Which merchants can integrate Sunbit?
Sunbit works with Stripe through Payment Element or Checkout. Its listed partners include myKaarma and Workiz.
Sunbit plans and pricing
All plansCompared on buy now, pay later platforms
- Free plan
- Yes
- Checkout channels
- omnichannel
- Repayment terms
- 3, 6, and 12 months; 6–72 months available for Dental Care
- Merchant platforms
- Stripe
- Merchant settlement
- scheduled
- Consumer regions
- United States, excluding U.S. territories
- Merchant dashboard
- Yes
