Everything You Need to Know About Sunbit Payment Plans, Approval Requirements & Best Alternatives
⭐ Trusted by 2,650+ Readers | Updated November 2025
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6-72 month plans for dental care
Fix your car and pay over time
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Sunbit is a leading buy now, pay later (BNPL) financial technology company that makes everyday expenses more manageable through flexible payment plans. Founded in 2016, Sunbit has helped millions of Americans afford essential services including:
With over 23,000 partner locations across the United States and a 90% approval rate, Sunbit has become one of the most accessible financing options for people who need to spread out the cost of unexpected or planned expenses.
Learn More About SunbitGet approved and start paying in 4 simple steps
Apply online or at a partner location in under 2 minutes. You'll need basic personal information and a valid ID.
Receive an instant decision in about 30 seconds. Sunbit approves 90% of applicants with a soft credit check.
Select a payment plan that fits your budget. Options range from 3 to 72 months depending on the service.
Set up automatic payments from your bank account or debit card. Track everything through the Sunbit app.
Explore other financing options if Sunbit doesn't fit your needs
Best for: Healthcare & Medical
Best for: Retail & E-commerce
Best for: Healthcare & Aesthetics
Best for: No Credit Check
Real reviews from actual Sunbit users
"I used Sunbit for my daughter's dental procedure. The process was easy and there's no confusing finance jargon. Very happy this was offered by my dentist."
Source: Trustpilot
"Got approved instantly for car repairs. Wouldn't have been able to afford both tires and repairs without Sunbit. The monthly payments are manageable."
Source: Sunbit.com
"Customer service is responsive, but payment processing can take several days. Overall decent experience for dental financing."
Source: WalletHub
6-72 month plans for dental procedures, braces, implants, and routine care
Learn More →Finance repairs, maintenance, and parts at 23,000+ service centers
Learn More →Pay over time for your pet's medical expenses and emergency care
Learn More →Finance glasses, contacts, LASIK, and other vision care needs
Learn More →No, Sunbit performs a soft credit check during the application process, which does not impact your credit score. However, account openings and payment activity are reported to credit bureaus.
Sunbit doesn't disclose a minimum credit score requirement. They approve approximately 90% of applicants by considering multiple factors beyond just credit score.
Most Sunbit applications are approved in about 30 seconds. You'll receive an instant decision after submitting your application.
Yes, you can pay off your Sunbit loan early without any prepayment penalties. This can help you save on interest charges.
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