Get answers to your questions about Sunbit
No, Sunbit performs a soft credit check during the application process, which does not affect your credit score. However, once you accept a loan offer, the account opening and payment activity will be reported to major credit bureaus.
Sunbit does not publicly disclose a minimum credit score requirement. The company approves approximately 90% of applicants by considering multiple factors beyond just credit score, including income, employment, and banking relationships.
Most Sunbit applications are approved in about 30 seconds. You'll receive an instant decision after submitting your basic information.
Yes, you can pay off your Sunbit loan early without any prepayment penalties. This can help you save on interest charges.
Sunbit offers loans ranging from $50 to $20,000, depending on your creditworthiness and the merchant's partnership terms.
Sunbit has no application fees, origination fees, late fees, or prepayment penalties. The only cost is the interest charged on your loan based on your APR.
No, Sunbit does not accept credit card payments. You must use a debit card or bank account (checking/savings) to avoid potential cash advance fees from your credit card issuer.
If denied, you can try alternative financing options like Credee (no credit check), CareCredit, Cherry, or Affirm. Each has different approval criteria. See our alternatives guide.
Sunbit is accepted at over 23,000 locations across the United States, including dental offices, auto repair shops, veterinary clinics, optical stores, and healthcare facilities.
You can apply at any partner location in-store, or some merchants allow online pre-qualification. The application takes 1-2 minutes and requires basic personal information.
Sunbit's APR ranges from 0% to 35.99%, depending on your creditworthiness. Some merchants offer promotional 0% APR for 3-month terms to qualified customers.
Payment terms range from 3 to 72 months. Dental care often qualifies for extended terms up to 72 months, while other services typically offer 3, 6, or 12-month options.
Yes, account openings and payment activity are reported to major credit bureaus. This means on-time payments can help build your credit, but late payments will hurt your score.
While Sunbit doesn't charge late fees, missed payments will be reported to credit bureaus and can negatively impact your credit score. Contact Sunbit immediately if you're having trouble making payments.
Yes, you can apply for Sunbit financing multiple times at different merchants. Each application is separate, and your approval will depend on your current creditworthiness and outstanding debt.
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