7 Best Sunbit Alternatives

Compare top financing options to find the best fit for your needs

Most Accepted

1. CareCredit

Best for: Healthcare & Medical Services

  • 250,000+ partner locations
  • Up to $25,000 financing
  • Deferred interest promotions
  • Requires credit score 640+
  • Hard credit check required
Compare with Sunbit

3. Affirm

Best for: Retail & E-commerce

  • Transparent rates shown upfront
  • 200,000+ merchants
  • Max $17,500 per purchase
  • 0-36% APR
  • No hidden fees
Compare with Sunbit
No Credit Check

4. Credee

Best for: Poor/No Credit

  • No credit check required
  • Instant approval
  • Healthcare payment plans
  • Ideal if denied elsewhere
  • Payment protection included
Learn More

5. Klarna

Best for: Online Shopping

  • 400,000+ merchants globally
  • Pay in 4 installments
  • 0-29.99% APR
  • Mobile app friendly
  • Strong retail focus
Learn More

6. Wisetack

Best for: Home Services

  • Service-industry focused
  • 15,000+ partner locations
  • Similar to Sunbit model
  • Fast approval process
  • Competitive rates
Learn More

7. Afterpay

Best for: Small Purchases

  • Pay in 4 equal installments
  • No interest if paid on time
  • 19 million users
  • Low limits for new customers
  • Best for under $1,000
Learn More

Quick Comparison Table

ProviderMax LoanAPRCredit CheckApproval RateBest For
Sunbit$20,0000-35.99%Soft~90%Auto, Dental, Vet
CareCredit$25,00026.99%+Hard~85%Medical/Dental
Cherry$50,0000-35.99%Soft~85%High-cost Healthcare
Affirm$17,5000-36%Soft~80%Retail
CredeeVariesVariesNone~95%Poor Credit
Klarna$10,0000-29.99%Soft~80%E-commerce
Wisetack$25,0000-35.99%Soft~88%Home Services