Frequently Asked Questions

Sunbit is a Buy Now Pay Later (BNPL) company for essential services like dental care, vision care, auto repairs, and pet care. Available at 7,000+ locations across 46 US states.

Sunbit approves approximately 90% of applicants — much higher than credit cards (40-60%). This is possible through technology that considers more than just credit scores.

No. Sunbit uses a "soft" credit check that doesn't impact your score. If you accept an offer, payments are reported to bureaus — on-time payments help build credit.

• Government ID — driver's license or state ID with barcode
• Debit card — linked to checking account (no credit cards)
• Email address
• Phone number

About 30 seconds. Once your ID is scanned, you get an instant decision.

• Most services: 3, 6, or 12 months
• Dental: Up to 72 months for larger procedures

APR ranges from 0% to 35.99% depending on the plan. Some plans offer 0% APR. You'll see exact costs before accepting.

No hidden fees: No application fees, no prepayment penalties, no late fees, no annual fees.

Credit limits range from $60 to $20,000 depending on approval and service type.

Yes! No prepayment penalties. Pay off early anytime to save on interest.

7,000+ locations in 46 states:

• Auto: Honda, Kia, Hyundai, Ford dealers + independent shops
• Optical: Eyemart Express, America's Best
• Dental: Thousands of offices nationwide
• Vet: Animal hospitals and clinics
• Retail: Cycle Gear