Sunbit logo

Sunbit

by Sunbit · Since 2016
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Quick facts
VendorSunbit
Year launched2016
StatusActive
LocationLos Angeles, USA
Countries servedN/A
Languages10
Integrations13+
Free tierNO
Free trialNO
Contact salesYES
Last reviewed: Jun 2026

About Sunbit

Sunbit provides point-of-sale financing solutions that allow customers to pay for in-person services over time. It offers personalized payment plans with instant credit decisions for industries including automotive, dental, healthcare, and retail.

Sunbit is a financial technology platform designed to ease the stress of paying for essential in-person services. By offering point-of-sale financing, it enables merchants in sectors like automotive repair, dentistry, and healthcare to provide their customers with flexible, transparent payment plans. The platform is built for speed, utilizing machine learning to deliver instant credit decisions, which helps reduce friction at the checkout counter. Merchants benefit from increased conversion rates and higher average order values, while customers gain access to fair financing options without the burden of hidden fees or penalty APRs. Sunbit integrates with a wide array of industry-specific software and POS systems, making it a versatile tool for businesses looking to modernize their payment experience. With a focus on inclusivity and transparency, Sunbit has established itself as a significant player in the buy-now-pay-later space, supporting both the operational needs of service providers and the financial flexibility of their clients.

Pros & Cons

Pros
  • Instant credit approvals significantly reduce checkout friction for customers.
  • Transparent fee structure with no hidden late or origination charges.
  • Seamless integration with major industry-specific POS and communication platforms.
  • High approval rates help merchants capture more sales from a wider range of credit profiles.
  • Flexible payment terms accommodate various service costs and customer budgets.
Cons
  • Financing availability is primarily limited to specific industries and merchant partners.
  • Integration options are largely dependent on the merchant's existing software provider.
  • Not a standalone consumer-facing payment app for general retail purchases outside of the partner network.

Features

Key features

Flexible Payment Plans

Offers customers the ability to spread payments over 3 to 72 months depending on the service type.

Instant Credit Decisions

Provides real-time financing approvals at the point of sale without a hard credit check.

Embedded Finance

Integrates directly into merchant platforms and POS systems to streamline the checkout experience.

Transparent Terms

Features clear, straightforward financing terms with no hidden late, origination, or penalty fees.

Multi-Industry Support

Tailored financing solutions for dental, auto service, healthcare, veterinary, and optical providers.

Additional features

Co-Branded Credit Card

Enables businesses to offer a custom credit card to strengthen customer loyalty and brand visibility.

Stripe Integration

Boosts conversion rates by offering Sunbit financing directly through Stripe-enabled checkouts.

Text-to-Pay

Allows merchants to send personalized payment links to customers for remote or in-store checkout.

Merchant Reporting

Provides detailed analytics and performance data at the chain, store, and employee levels.

Pre-qualification API

Enables customers to check financing options in advance of their service appointment.

Estimates SDK

Displays 'As low as' monthly payment pricing on invoices to help customers plan their expenses.

Mobile-Friendly Interface

Ensures a seamless application and management experience across desktop and mobile devices.

PCI-Compliant Transactions

Maintains high security standards for all financial data and payment processing.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Countries served
10
Interface languages
11
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseDutchSwedishNorwegianDanish

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇦🇺AUD🇨🇦CAD🇯🇵JPY🇨🇳CNY🇮🇳INR🇷🇺RUB🇲🇽MXN🇵🇭PHP

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