Sunbit provides pay-over-time financing for expenses including auto repair, dental and eye care, veterinary care, healthcare, and other services. Customers can use it at in-store, on-the-go, and online checkouts, and manage loans online or through the Android and iOS app. Listed repayment options include 3-, 6-, or 12-month plans, with 6- to 72-month terms 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 financing has no late, origination, or penalty fees. Approval depends on creditworthiness, applicants must be at least 18, and the service is unavailable to residents of US territories. Merchants can use integrations such as Stripe checkout, text-to-pay links, an Estimates SDK, and reporting tools. Dental practice fees are advertised as low as 1.9%, with pricing varying based on usage. Merchant pricing is on request; Sunbit also lists a free plan.
Who it is for
Sunbit suits consumers seeking payment plans for listed services and merchants adding financing to checkout. Consumers must meet age and approval requirements, and the service excludes US territories.
What is good
- Supports in-store, on-the-go, and online checkout.
- Offers multiple repayment terms, including dental plans up to 72 months.
- Says applications have no hard credit check.
- Says financing has no late, origination, or penalty fees.
- Merchant tools include Stripe integration and reporting.
What to know first
- Financing depends on creditworthiness approval.
- Applicants must be at least 18.
- Unavailable to residents of US territories.
- Merchant pricing is available on request.
Verdict
Sunbit connects consumer payment plans with merchant checkout and reporting tools across several service categories. Consumers should review approval conditions and terms, while merchants should request pricing for their use case.
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
