30-Second Approval
Know if you're approved almost instantly. No waiting days or weeks.
🏆 #1 BUY NOW PAY LATER FOR ESSENTIALS
Sunbit — Pay Over Time for Life's Essential Expenses
Get approved in 30 seconds for dental, optical, and auto service financing. 90% approval rate with soft credit check. No credit card needed.
90%Approval Rate
7,000+Locations
46US States
The Smarter Way to Pay for Essential Services
Sunbit makes it easy to afford the services you need with flexible payment options.
90% Approval Rate
Higher approval rates than traditional credit cards or personal loans.
No Credit Card Needed
Apply with just your ID and a debit card. No credit card required.
Build Your Credit
On-time payments are reported to credit bureaus, helping build credit.
What Can Sunbit Finance?
From dental work to auto repairs, Sunbit covers your essential expenses.
Most Popular
Dental Care
Braces, implants, crowns, veneers, and general dentistry.
- Orthodontics & Invisalign
- Dental implants
- Cosmetic dentistry
Up to 72 months
Eye Care
Glasses, contacts, eye exams, and LASIK surgery.
- Designer frames
- Contact lenses
- LASIK & vision correction
Up to 12 months
Auto Service
Repairs, tires, brakes, and maintenance at major dealers.
- Engine & transmission
- Tires & brakes
- AC & electrical
Up to 12 months
Why Over 1 Million People Choose Sunbit
Industry-Leading 90% Approval
Get approved when other lenders say no. Our technology approves 9 out of 10 applicants.
90%Approval Rate
Soft Credit Check
Checking your options won't hurt your credit score.
No Credit Card Required
Apply with just your ID and debit card.
0% APR Options
Many plans offer 0% APR with no hidden fees.
$60 - $20,000 Limits
Finance small purchases or major procedures.
Build Credit History
On-time payments help build your credit.
What Customers Say About Sunbit
★★★★★
"I needed braces for my daughter but didn't have the cash. Sunbit approved me in seconds and the payment fits our budget perfectly."
✓ Verified Customer
★★★★★
"My car needed $2,000 in repairs. The Honda dealer offered Sunbit and I was approved instantly. Now I can pay over 12 months."
✓ Verified Customer
★★★★★
"Got new glasses for the whole family at Eyemart. Sunbit made it so easy — no credit card needed. The 6-month plan has 0% interest!"
✓ Verified Customer
★★★★★
"I have less-than-perfect credit, so I was shocked when Sunbit approved me. Fixed my brakes and paid over time. Lifesaver!"
✓ Verified Customer
Ready to Get Started with Sunbit?
Find a partner location near you and see if you qualify in just 30 seconds.
90% Approval Rate
Soft Credit Check
0% APR Available
About Sunbit
What is Sunbit? The BNPL Leader for Essential Services
Sunbit is a financial technology company that specializes in Buy Now Pay Later (BNPL) financing for essential, everyday services. Unlike other BNPL providers that focus on retail shopping, Sunbit financing is specifically designed for services you can't delay — dental work, vision care, auto repairs, and veterinary care.
Founded with the mission of making essential services accessible to everyone, Sunbit has become one of America's largest point-of-sale lenders. With Sunbit's 90% approval rate, more people can get the care and services they need without financial stress.
Sunbit works differently from traditional lenders. Instead of relying solely on credit scores, Sunbit's technology evaluates thousands of data points to make fair lending decisions. This is why Sunbit approves 9 out of 10 applicants — even those with limited or imperfect credit history.
How Does Sunbit Work? Simple 4-Step Process
Getting approved for Sunbit financing takes just 30 seconds at any Sunbit partner location.
1
Visit a Sunbit Partner
Find a Sunbit location near you — dental offices, optical stores, auto dealerships, or vet clinics that offer Sunbit payment plans.
2
Apply for Sunbit
Simply scan your ID at checkout. Sunbit's soft credit check won't affect your credit score. No paperwork, no waiting.
3
Get Sunbit Approval
Within 30 seconds, you'll know your Sunbit credit limit (up to $20,000) and see available Sunbit payment options.
4
Use Your Sunbit Plan
Choose your preferred Sunbit payment term (3-72 months), link your debit card, and get your service immediately.
Why Choose Sunbit Over Other Payment Options?
| Feature | Sunbit | Credit Cards | CareCredit | Personal Loans |
|---|---|---|---|---|
| Approval Rate | 90% ✓ | 40-60% | 50-70% | 30-50% |
| Decision Time | 30 seconds ✓ | Days-Weeks | Minutes | 1-7 days |
| Credit Impact | Soft check ✓ | Hard pull | Hard pull | Hard pull |
| Late Fees | None ✓ | $25-40 | $25-40 | Varies |
| 0% APR Option | Yes ✓ | Promo only | Promo only | Rare |
| Max Term | 72 months ✓ | Revolving | 60 months | 84 months |
* Sunbit stands out with its industry-leading 90% approval rate and no late fees policy. Sunbit's soft credit check means checking your options won't hurt your credit score.
Where Can You Use Sunbit? 7,000+ Partner Locations
Sunbit is accepted at thousands of locations across 46 US states. Find Sunbit near you.
Sunbit for Dental
Sunbit dental financing is available at thousands of dental offices. Finance braces, implants, crowns, and more with Sunbit payment plans up to 72 months.
- General dentists
- Orthodontists
- Oral surgeons
- Cosmetic dentists
Sunbit for Eye Care
Sunbit optical financing helps you afford glasses, contacts, and LASIK. Sunbit partners include major optical retailers.
- Eyemart Express
- America's Best
- Independent optometrists
- LASIK centers
Sunbit for Auto
Sunbit auto financing is offered at major dealership service centers. Use Sunbit for car repairs, tires, and maintenance.
- Honda dealers
- Kia dealers
- Hyundai dealers
- Ford & Chevrolet
Sunbit for Pets
Sunbit vet financing covers emergency surgery, dental cleaning, and routine care. Don't delay pet care due to cost.
- Animal hospitals
- Vet clinics
- Emergency vets
- Specialty care
Common Questions About Sunbit
Is Sunbit legit?
Yes, Sunbit is a legitimate financial technology company. Sunbit has served over 1 million customers and partners with 7,000+ businesses including major brands like Honda, Kia, and Eyemart Express.
Does Sunbit check credit?
Sunbit uses a soft credit check that doesn't affect your credit score. If you accept a Sunbit payment plan, on-time payments are reported to help build your credit.
What is Sunbit's interest rate?
Sunbit APR ranges from 0% to 35.99% depending on your plan. Many Sunbit offers include 0% APR options. You'll see exact rates before accepting.
How much can I get with Sunbit?
Sunbit credit limits range from $60 to $20,000. Your specific Sunbit approval amount depends on various factors evaluated during the application.
Does Sunbit have late fees?
No, Sunbit has no late fees. There are also no application fees, no prepayment penalties, and no hidden charges with Sunbit financing.
Can I pay off Sunbit early?
Yes, you can pay off Sunbit early anytime without penalties. Early payoff can save you money on interest charges.
Trust Indicators
Trusted by Millions
Over 1 million customers served
Secure & Safe
Bank-level encryption
7,000+ Locations
Across 46 US states
4.8/5 Rating
15,000+ reviews