Sunbit
sunbit.com
What it is
Sunbit provides pay-over-time financing for expenses including auto repair, dental and eye care, veterinary care, healthcare, and other services. Customers can use financing through in-store, on-the-go, or online checkout. Listed terms include 3-, 6-, or 12-month plans, with 6- to 72-month plans available for dental care; terms may 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 applications have 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 checkout integrations, text-to-pay links, and reporting; Stripe is among the supported integrations. Consumers can manage loans online or with the Android and iOS app. Sunbit lists a free plan and pricing on request; dental practice fees can be as low as 1.9% and vary with usage.
Spec sheet
- What it does
- Sunbit offers point-of-sale lending for everyday expenses and a no-fee credit card managed through its mobile app.Read 30 Sep 2026 · sunbit.com
- Security
- Sunbit says it uses security measures complying with federal law, including computer safeguards and secured files and buildings.Read 30 Sep 2026 · sunbit.com
- Headquarters
- Los Angeles, California, United StatesRead 28 Sep 2026 · sunbit.com
- Founded
- 2016Read 28 Sep 2026 · sunbit.com
- 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.Read 30 Sep 2026 · sunbit.com
- Card acceptance
- The Sunbit Card can be used online or in-store anywhere Visa is accepted.Read 30 Sep 2026 · sunbit.com
- 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.Read 30 Sep 2026 · sunbit.com
- Consumer fees
- Sunbit says its financing has no late fees, origination fees, penalty fees, or penalty APRs.Read 30 Sep 2026 · sunbit.com
- 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.Read 30 Sep 2026 · sunbit.com
- 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.Read 30 Sep 2026 · sunbit.com
- Customer support
- Sunbit lists consumer support by phone at 855-678-6248.Read 30 Sep 2026 · sunbit.com
- 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.Read 30 Sep 2026 · sunbit.com
- Dental offering
- Sunbit advertises dental practice fees as low as 1.9%, with pricing improving based on usage.Read 30 Sep 2026 · sunbit.com
- 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.Read 30 Sep 2026 · sunbit.com
- Eligibility
- Financing is subject to creditworthiness approval, requires applicants to be at least 18, and is unavailable in or to residents of US territories.Read 30 Sep 2026 · sunbit.com
- Fees and credit checks
- Sunbit says its application has no hard credit check and no fees or penalties.Read 30 Sep 2026 · sunbit.com
- Merchant availability
- Sunbit says its point-of-sale lending option is available at over 30,000 service locations.Read 30 Sep 2026 · sunbit.com
- Merchant channels
- Sunbit describes its financing as usable in-store, on-the-go from a connected device, and online through checkout integration.Read 30 Sep 2026 · sunbit.com
- Merchant integrations
- The integration offering includes an Estimates SDK, a pre-qualification API, checkout integration, text-to-pay links, and management and reporting tools.Read 30 Sep 2026 · sunbit.com
- Merchant reporting
- Its partner portal provides performance reporting at associate, store, and multi-location group levels.Read 30 Sep 2026 · sunbit.com
- Merchant support
- Sunbit says merchant partners receive dedicated account and partner success managers, training, marketing resources, and one-on-one coaching.Read 30 Sep 2026 · sunbit.com
- Merchant tools
- Its merchant offering includes in-store, on-the-go, and online checkout experiences.Read 30 Sep 2026 · sunbit.com
- Named integration partners
- The integration partners page lists myKaarma and Workiz among its partners.Read 30 Sep 2026 · sunbit.com
- Purchase range
- The merchant page lists financing for purchases from $60 to $20,000.Read 30 Sep 2026 · sunbit.com
- Stripe integration
- Sunbit works with Stripe through Payment Element or Checkout, and merchants can activate it in their Stripe Dashboard.Read 30 Sep 2026 · sunbit.com
- Use cases
- Its pay-over-time financing is offered for auto repair, dental care, eye care, veterinary care, healthcare, and other services.Read 30 Sep 2026 · sunbit.com
Plans and prices
Sunbit point-of-sale financing Priced on request Loans $50–$20,000 · 3–72 months · 0–35.99% APR · subject to approval and state restrictions Read 30 Sep 2026 · sunbit.com
Strong points and limits
Strong points
- Checkout options cover in-store, on-the-go, and online use.
- No hard credit check is stated for the application.
- Financing lists no late, origination, or penalty fees.
- Consumers can manage loans online or in the app.
- Merchant tools include Stripe integration and reporting.
Limits
- Financing requires creditworthiness approval.
- Applicants must be at least 18.
- Unavailable to residents of U.S. territories.
- APR is listed at 0–35.99%.
Who it suits
Sunbit suits consumers seeking payment plans for listed everyday services and merchants seeking in-store, mobile, or online checkout financing. Eligibility and availability restrictions apply to consumers.
Verdict
Sunbit connects consumer payment plans with merchant checkout tools across several service categories. Eligibility, terms, and state restrictions apply; merchant pricing is available on request.
Where Specifiction places it
- Buy Now, Pay Later Platforms#20 of 267.6
