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Sunbit
What Sunbit is
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 suits
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 it does well
- 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.
Limits
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.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Sunbit point-of-sale financing | Loans $50–$20,000 · 3–72 months · 0–35.99% APR · subject to approval and state restrictions | On request |
As sunbit.com lists them, read 30 Sept 2026. The maker's own page has the final word.
Getting started
- 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.
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.
Questions
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.
Facts from Sunbit's own pages
- 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
- Card acceptance
- The Sunbit Card can be used online or in-store anywhere Visa is accepted. · 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
- Consumer fees
- Sunbit says its financing has no late fees, origination fees, penalty fees, or penalty APRs. · 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
- 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
- Customer support
- Sunbit lists consumer support by phone at 855-678-6248. · 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
- Dental offering
- Sunbit advertises dental practice fees as low as 1.9%, with pricing improving based on usage. · 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
- 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
- Fees and credit checks
- Sunbit says its application has no hard credit check and no fees or penalties. · sunbit.com, 30 Sept 2026
- Founded
- 2016 · sunbit.com, 28 Sept 2026
- Headquarters
- Los Angeles, California, United States · sunbit.com, 28 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
- 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
- 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
- Merchant reporting
- Its partner portal provides performance reporting at associate, store, and multi-location group levels. · 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
- Merchant tools
- Its merchant offering includes in-store, on-the-go, and online checkout experiences. · sunbit.com, 30 Sept 2026
- Named integration partners
- The integration partners page lists myKaarma and Workiz among its partners. · sunbit.com, 30 Sept 2026
- Purchase range
- The merchant page lists financing for purchases from $60 to $20,000. · 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
- 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
Where Sunbit stands on Freedom251
- Buy Now, Pay Later Platforms#13 of 26