No hard credit check to prequalify • Instant approval • Use immediately
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0% APR Financing Available
Finance auto repair, dental care, and pet care with flexible payment plans. Get approved in 60 seconds.
Get an instant credit decision. No waiting, no hassle.
Check if you prequalify without impacting your credit score.
Pay no interest when you choose promotional financing.
Apply and manage your account from anywhere.
Everything you need to know about flexible payment options for essential services
Sunbit is America's leading point-of-sale financing platform that helps millions of people access essential services without the burden of paying everything upfront. Since 2016, we've revolutionized how Americans pay for auto repairs, dental procedures, veterinary care, and healthcare services.
Unlike traditional credit cards or personal loans, Sunbit offers a seamless, technology-driven approval process that takes just 60 seconds. Our platform integrates directly with service providers nationwide, making it easy to apply and get approved right when you need it most.
With over 50 million Americans approved and more than $10 billion financed, Sunbit has become the trusted choice for affordable payment plans. We believe everyone deserves access to essential services, regardless of their financial situation.
Whether you need emergency auto repairs, dental work you've been postponing, or unexpected veterinary care for your pet, Sunbit makes it possible to get the service you need today and pay over time with flexible monthly payments.
Get an instant credit decision in 60 seconds without lengthy paperwork or waiting periods. Apply online or at your provider's office.
Checking your rate won't hurt your credit score. We only perform a soft inquiry that doesn't appear on your credit report.
Choose from 3, 6, 12, 18, or 24-month payment plans that fit your budget. Make fixed monthly payments you can afford.
Pay absolutely no interest when you pay in full within the promotional period. Save hundreds compared to credit cards.
These examples show real monthly payments with our promotional 0% APR financing. No hidden fees, no surprises - just transparent, affordable payments.
Total Service Cost
$3,500
Your Monthly Payment
$194
for 18 months
Total Service Cost
$5,000
Your Monthly Payment
$208
for 24 months
Total Service Cost
$2,500
Your Monthly Payment
$208
for 12 months
*Examples shown are for illustrative purposes. Actual terms depend on purchase amount and creditworthiness. 0% APR promotional financing available on approved credit.
Fill out our simple online form in under 2 minutes. You'll need basic info like your SSN, address, and bank account details.
Receive your approval decision in just 60 seconds. Most applicants are approved instantly and can use their credit right away.
Visit any participating provider and use your Sunbit approval. Make convenient monthly payments that fit your budget.
Gather all required information before starting to complete your application faster.
Double-check all details for accuracy. Errors can delay approval.
Know your credit situation beforehand to understand your approval likelihood.
Many providers can help you apply right at their office for extra support.
From routine maintenance to emergency procedures, Sunbit helps you afford the essential services you and your family need.
And many more healthcare and wellness services!
Apply Now to Get StartedSunbit offers promotional 0% APR financing for qualified purchases. This means you pay absolutely NO INTEREST if you pay off your balance in full within the promotional period. It's like an interest-free loan!
3-6
Months 0% APR
For purchases $200-$999
12-18
Months 0% APR
For purchases $1,000-$2,499
24
Months 0% APR
For purchases $2,500 and up
Important: You must pay off your full balance within the promotional period to avoid interest charges. If you don't pay in full, interest will be charged from the purchase date.
For longer-term financing or if you don't qualify for 0% APR promotional offers, standard rates apply based on your creditworthiness and the loan term:
Excellent Credit
Credit Score 720+
10.99%
APR
Good Credit
Credit Score 680-719
15.99%
APR
Fair Credit
Credit Score 640-679
19.99%
APR
Poor Credit
Credit Score 580-639
24.99%
APR
*APR ranges are estimates for illustration purposes. Actual rates may vary based on individual creditworthiness, loan term, and other factors. All financing is subject to credit approval. Rates current as of 2025.
Get answers to the most common questions about Sunbit financing
Sunbit doesn't have a strict minimum credit score requirement. While we do consider credit scores as part of our approval process, we also look at many other factors including your income, banking history, and payment ability. Many applicants with fair to poor credit (scores of 580 or higher) have been successfully approved. Even if you have bad credit or limited credit history, we encourage you to apply—you might be surprised by your approval!
The vast majority of applicants receive an instant decision within 60 seconds of submitting their application. Our advanced technology platform analyzes your information in real-time to provide immediate approval. In rare cases where additional verification is needed (such as confirming your identity or banking information), the process may take 24-48 hours. You'll be notified immediately if any additional information is required.
No! When you check if you prequalify with Sunbit, we perform only a soft credit inquiry, which does not impact your credit score in any way. Soft inquiries are not visible to lenders and don't affect your creditworthiness. Only if you decide to accept an offer and finalize your application will we perform a hard inquiry, which may have a minor temporary effect on your score. You can check your rate risk-free to see what you qualify for.
Absolutely! Once you're approved for Sunbit, you can use your account for multiple purchases at any participating provider, as long as you have available credit. Each purchase can have its own payment plan and terms. You can manage all your payment plans conveniently through your Sunbit account dashboard or mobile app. There's no limit to how many times you can use Sunbit—it's designed to be your go-to financing solution for all your essential service needs.
If you miss a payment, several things may occur: You'll be charged a late fee (typically $25-$35 depending on your state), and the missed payment may be reported to credit bureaus, which could negatively impact your credit score. Additionally, if you're on a 0% APR promotional plan, missing payments could result in losing that promotional rate and being charged interest from the purchase date. We strongly recommend setting up automatic payments to avoid missed payments. If you're experiencing financial difficulties, contact Sunbit customer service immediately—we may be able to work out a solution.
Sunbit offers several advantages over traditional credit cards: (1) Longer 0% APR promotional periods—often 12-24 months compared to 6-12 months for cards, (2) Instant approval without needing excellent credit, (3) Fixed monthly payments that make budgeting easier and ensure you pay off the balance on time, (4) No annual fees or hidden charges, (5) Specifically designed for essential services like healthcare and auto repair. However, credit cards offer flexibility to use anywhere and may provide rewards. The best choice depends on your specific needs and financial situation.
Yes! You can pay off your Sunbit financing at any time with absolutely no prepayment penalties or fees. In fact, paying early can save you money on interest charges if you're on a standard APR plan. For 0% APR promotional financing, paying early ensures you'll pay zero interest. You can make extra payments or pay off the full balance through your online account or mobile app at any time. We encourage early payoff when financially feasible.
Sunbit is accepted at thousands of providers nationwide across multiple industries including auto repair shops, dental practices, veterinary clinics, vision care centers, medical facilities, and hearing aid providers. Major national chains and independent local providers participate in the Sunbit network. To find participating providers near you, use our online provider locator tool or ask your service provider if they accept Sunbit. The network is constantly growing, so even if your preferred provider doesn't accept it yet, they may soon!
Get the Service You Need Today. Pay Over Time.
60s
Approval Time
0%
APR Options
50M+
Approved
$10B+
Financed
✓ No impact to credit score to check eligibility ✓ Trusted by 50 million Americans