How Sunbit Works

When you're ready to pay at a Sunbit partner location, simply let the staff know you'd like to explore payment options. They'll scan your driver's license or state ID — that's it!

Sunbit's technology analyzes hundreds of data points to make a decision instantly. Unlike traditional lenders that rely heavily on credit scores, Sunbit looks at the bigger picture.

Once approved, you'll see multiple payment options. Pick the plan that fits your budget — shorter terms for lower total cost, or longer terms for smaller monthly payments.

Link a debit card for automatic payments. Sunbit will charge your first payment and set up autopay for the remaining balance.

That's it! Once you accept the terms, receive your service right away. Sunbit pays the merchant in full — you pay Sunbit over time.