Sunbit

Sunbit is ranked #1 of 26 in buy now, pay later apps on The Finance Base. It runs on Android, iOS, Web.

Sunbit plans and pricing

Sunbit point-of-sale financing Not published Loans $50–$20,000 · 3–72 months · 0–35.99% APR · subject to approval and state restrictions sunbit.com · 30 Sept 2026

Compared on buy now, pay later apps

Free plan: Yes
Checkout channels: omnichannel
Repayment terms: 3, 6, and 12 months; 6–72 months available for Dental Care
Merchant platforms: Stripe
Merchant settlement: scheduled
Consumer regions: United States, excluding U.S. territories
Merchant dashboard: Yes

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Sunbit

What it does: Sunbit provides pay-over-time financing for everyday expenses including auto repair, dental care, eye care, veterinary care, and more.
Merchant tools: Its merchant offering includes in-store, on-the-go, and online checkout experiences.
Customer payment terms: Customers can choose 3-, 6-, or 12-month plans, with 6- to 72-month plans available for dental care; terms may vary.
Purchase range: The merchant page lists financing for purchases from $60 to $20,000.
Fees and credit checks: Sunbit says its application has no hard credit check and no fees or penalties.
Merchant integrations: The integration offering includes an Estimates SDK, a pre-qualification API, checkout integration, text-to-pay links, and management and reporting tools.
Named integration partners: The integration partners page lists myKaarma and Workiz among its partners.
Dental merchant pricing: The dental page states that practice fees can be as low as 1.9% and improve with usage; it does not give a single fixed price.
Merchant support: Dental practices are offered dedicated representatives, a US-based support team, on-demand training, and resources, with support described as available 24/7.
Security: Sunbit says it uses security measures complying with federal law, including computer safeguards and secured files and buildings.
Consumer account access: Customers can manage loans online at mysunbit.com or through the Sunbit mobile app, available from the Apple App Store and Google Play Store.
Credit card features: The Sunbit Card page lists no annual, late, application, or processing fees and says users can manage payments in the mobile app.
What it does: Sunbit offers point-of-sale lending for everyday expenses and a no-fee credit card managed through its mobile app.
Use cases: Its pay-over-time financing is offered for auto repair, dental care, eye care, veterinary care, healthcare, and other services.

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Where it ranks on The Finance Base

Best Buy Now, Pay Later Apps in 2026#1 of 26

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Sources

sunbit.com· checked 30 Sept 2026
sunbit.com/merchant-benefits/· checked 30 Sept 2026
sunbit.com/how-it-works/· checked 30 Sept 2026
sunbit.com/integration-partners/· checked 30 Sept 2026
sunbit.com/merchant-benefits/dental/· checked 30 Sept 2026
sunbit.com/wp-content/uploads/2023/09/Sunbit-GLBA-· checked 30 Sept 2026
sunbit.com/im-a-consumer/customer-service/· checked 30 Sept 2026
sunbit.com/card/· checked 30 Sept 2026
sunbit.com/about-sunbit/· checked 30 Sept 2026
sunbit.com/sunbit-for-stripe/· checked 30 Sept 2026
sunbit.com/rates_and_terms/· checked 30 Sept 2026