⚡ Sunbit Quick Summary
Bottom Line: Best for bad credit. If CareCredit or Cherry denied you, try Sunbit financing. 85% of applicants get approved.
What is Sunbit Financing?
Sunbit is a "buy now, pay later" company that specializes in essential services like auto repair, dental, and optical. Their tagline "Service Now, Pay Over Time" captures their mission: helping people access necessary services even with bad credit.
Sunbit Key Facts
- Company: Sunbit Inc.
- Founded: 2016 in Los Angeles
- Slogan: "Service Now, Pay Over Time"
- Locations: 20,000+ service providers
- Approval Rate: 85% (highest in industry)
- Coverage: Auto repair, dental, optical, veterinary
💡 What Makes Sunbit Different?
Sunbit financing was designed from the ground up for people with lower credit scores. They use alternative data and AI to approve 85% of applicants—even those denied by CareCredit.
Sunbit "Service Now, Pay Over Time" Explained
Service Now, Pay Over Time is Sunbit's core offering. Here's how it works:
- Get Service Today: Whether it's car repair, dental work, or new glasses
- Quick Application: 30-second decision with soft credit check
- Pay Over Time: Split into monthly payments (3-72 months)
- No Waiting: Drive your car, wear your glasses, smile with new teeth—today
📱 Sunbit Payment Plan Example
Service: Auto repair - $1,500
Sunbit payment plan: $125/month for 12 months
Down payment: $375 (25%)
Drive home: Same day!
Sunbit Auto Repair Financing
Sunbit auto repair financing is one of the most popular uses. Unlike other financing that only covers healthcare, Sunbit started with auto repair shops.
What Auto Repairs Does Sunbit Cover?
- ✅ Brake repair ($300-$1,000)
- ✅ Transmission repair ($1,500-$4,000)
- ✅ Engine repair ($500-$4,000+)
- ✅ Tire replacement ($400-$1,200)
- ✅ AC/heating repair ($200-$1,500)
- ✅ Suspension work ($500-$2,000)
- ✅ Battery replacement ($100-$400)
- ✅ Oil change & maintenance ($50-$200)
Where to Find Sunbit Auto Repair
Sunbit auto repair financing is available at:
- Pep Boys
- Firestone
- Big O Tires
- Meineke
- Independent auto shops
- Car dealership service centers
Pro Tip: Sunbit auto repair financing lets you get your car fixed TODAY and pay over time. No more choosing between car repairs and other bills.
Sunbit Dental Financing
Sunbit dental financing helps you afford dental procedures even with bad credit.
Dental Procedures Covered
- ✅ Dental cleanings & checkups
- ✅ Fillings & crowns
- ✅ Root canals
- ✅ Dental implants
- ✅ Dentures
- ✅ Orthodontics (braces, Invisalign)
Sunbit Dental vs CareCredit
| Feature | Sunbit Dental | CareCredit |
|---|---|---|
| Approval Rate | 85% | ~70% |
| Credit Check | Soft | Hard |
| Good for Bad Credit | Yes ✅ | Limited |
Sunbit Optical Financing
Sunbit optical financing helps you afford glasses, contacts, and eye exams.
What's Covered
- ✅ Prescription glasses
- ✅ Designer frames
- ✅ Contact lenses
- ✅ Eye exams
- ✅ Sunglasses
- ✅ LASIK (at some providers)
Where to Find Sunbit Optical
- LensCrafters
- Target Optical
- Independent optometrists
- Vision Centers
Why Does Sunbit Have 85% Approval Rate?
Sunbit uses a proprietary algorithm that looks beyond traditional credit scores:
What Sunbit Considers
- ✅ Banking history (income, spending)
- ✅ Employment verification
- ✅ Transaction patterns
- ✅ No minimum credit score required
Who Gets Approved?
Sunbit financing regularly approves people with:
- Credit scores under 600
- Limited credit history
- Past bankruptcies (case by case)
- Recent immigrants with no US credit
Only 15% get denied. If you've been rejected by CareCredit or Cherry, Sunbit is worth trying.
Sunbit Fees & Interest Rates
| Fee Type | Amount | Notes |
|---|---|---|
| APR Range | 0-35.99% | Based on credit & provider |
| 0% APR | Available | At select locations |
| Down Payment | ~25% | Required on most plans |
| Late Fee | Varies | Check terms |
| Prepayment Penalty | $0 | Pay off early free |
Note: Sunbit typically requires a 25% down payment. This is higher than CareCredit but helps them approve more people with bad credit.
Sunbit Financing Pros and Cons
✅ Sunbit Pros
- 85% approval rate (highest)
- Soft credit check
- 30-second decisions
- No minimum credit score
- Auto repair financing (unique)
- 0% APR available
- Service now, pay over time
- Good for bad credit
❌ Sunbit Cons
- Down payment required (~25%)
- Lower max ($10K vs $50K Cherry)
- APR up to 35.99%
- Limited to specific industries
- Not for cosmetic surgery
Sunbit vs CareCredit vs Denefits
| Feature | Sunbit | CareCredit | Denefits |
|---|---|---|---|
| Approval Rate | 85% | ~70% | 100% |
| Credit Check | Soft | Hard | None |
| Down Payment | ~25% | No | 20-30% |
| Auto Repair | Yes ✅ | No | Limited |
| Best For | Bad credit + auto | Good credit | Very bad credit |
Recommendation: Try Sunbit first (85% approval). If denied, try Denefits (100% approval).
Sunbit Financing FAQ
Service Now, Pay Over Time is Sunbit's slogan. It means you get your service (auto repair, dental, optical) today and pay in monthly installments. 85% of people get approved.
No! Sunbit auto repair financing has no minimum credit score. They approve 85% of applicants, including many with bad credit (under 600).
Sunbit has no minimum credit score requirement. Their 85% approval rate means they approve many people with scores under 600 using alternative data.
No. Sunbit uses a soft credit check that doesn't affect your credit score. This is a major advantage over CareCredit.
Yes! Sunbit has 85% approval rate vs CareCredit's ~70%. Sunbit uses soft credit check while CareCredit does hard inquiry. Sunbit is designed for lower credit scores.
Sunbit is available at 20,000+ locations including: auto repair shops (Pep Boys, Firestone), dental offices, optical stores (LensCrafters, Target Optical), and veterinary clinics.
Ready for Sunbit? Service Now, Pay Over Time
85% approval rate. 30-second decisions. Bad credit welcome.
Apply for Sunbit Financing →