Sunbit
Ranked in Buy Now, Pay Later Platforms
About
Sunbit provides pay-over-time financing for expenses such as auto repair, dental and eye care, veterinary care, healthcare, and other services. Customers can use it at in-store, on-the-go, or online checkout. Listed terms include 3-, 6-, and 12-month plans, with 6- to 72-month plans available for dental care; terms may vary. The merchant page lists financing for purchases from $60 to $20,000, while 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 do not involve a hard credit check and that financing has no late, origination, penalty fees, or penalty APRs. Approval depends on creditworthiness, applicants must be at least 18, and financing is unavailable to residents of US territories. Merchant connections include an Estimates SDK, pre-qualification API, checkout integration, text-to-pay links, and management and reporting tools; Stripe is also supported. Customers can manage accounts online or with Android and iOS apps. The listing gives a free plan, with pricing on request.
Who it is for
Sunbit suits service businesses seeking financing across in-store, mobile-device, and online checkout, and consumers looking to spread eligible expenses over monthly plans. Merchants using Stripe or seeking reporting tools may find its listed integrations relevant.
What is good
- Supports in-store, on-the-go, and online checkout.
- Offers an Estimates SDK and pre-qualification API.
- No hard credit check is stated for applications.
- Consumers can manage accounts online or in mobile apps.
- Merchant reporting covers associate, store, and group levels.
What to know first
- Approval depends on creditworthiness.
- Applicants must be at least 18.
- Unavailable to residents of US territories.
- Merchant pricing is available on request.
Verdict
Sunbit combines consumer installment financing with merchant checkout and reporting options across several service categories. Eligibility restrictions and pricing on request are important considerations for consumers and merchants.
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
Company
- Founded
- 2016sunbit.com · 28 Sept 2026
- Headquarters
- Los Angeles, California, United Statessunbit.com · 28 Sept 2026
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Where it ranks on Inferse
Sources
- sunbit.com· checked 30 Sept 2026
- sunbit.com/merchant-benefits/· checked 30 Sept 2026
- sunbit.com/how-it-works/· checked 30 Sept 2026
- sunbit.com/integration-partners/· checked 30 Sept 2026
- sunbit.com/merchant-benefits/dental/· checked 30 Sept 2026
- sunbit.com/wp-content/uploads/2023/09/Sunbit-GLBA-· checked 30 Sept 2026
- sunbit.com/im-a-consumer/customer-service/· checked 30 Sept 2026
- sunbit.com/card/· checked 30 Sept 2026
- sunbit.com/sunbit-for-stripe/· checked 30 Sept 2026
- sunbit.com/rates_and_terms/· checked 30 Sept 2026
- sunbit.com/about-sunbit/· checked 30 Sept 2026