There's no online pre-qualification and no app to download in advance. Sunbit happens in person, at the moment you're paying for care — and the whole thing takes about a minute. Here's exactly what to expect, one step at a time.
Sunbit isn't something you set up at home before your visit. You start the moment you're ready to pay — at the front desk of a participating dental office, auto repair shop, dealership, veterinary clinic, or eye care center. Just tell them you'd like to split the cost into monthly payments.
Because the offer is tied to where you are, there's nothing to research or pre-apply for. If your provider works with Sunbit, the staff member handles the first step for you and hands you a tablet or scans your details on the spot.
"Can I pay for this over time?"
"Of course — we use Sunbit. Let me scan your ID and we'll see your options in about 30 seconds."
The old way
Long forms, pay stubs, references, and a hard credit pull.
With Sunbit
Scan the barcode on the back of your driver's license. That's it.
One scan replaces the entire application.
Instead of filling out a lengthy application, you simply scan the barcode on the back of your driver's license. There's no stack of paperwork to complete, nothing to print, and nothing to mail.
From there, Sunbit takes over in the background. The scan is all it needs to start checking what you qualify for — which is exactly what happens in the next step.
A soft credit check runs in the background — the kind that does not affect your credit score. Sunbit weighs it alongside income signals and other factors using its own underwriting, then shows your plan options right there on the screen.
That broader view is why roughly 90% of applicants receive an offer, including many people who've been turned down by a store card or a traditional lender.
No impact to your credit score
Checking your options is a soft pull only.
Example on a $2,000 plan. Your real options depend on your offer and APR (0%–35.99%).
You'll usually see more than one plan — different combinations of monthly payment and term length. Repayment can run anywhere from 3 to 72 months, so you can trade a longer term for a smaller monthly payment, or pay it down faster to save on interest.
Once you choose, you sign on the tablet and you're done — you leave with the care you came for. There are no application fees, no late fees, and no prepayment penalties, so paying off early only reduces the total interest you owe.
The whole thing, start to finish
Tell the counter you'd like to pay over time.
Scan your driver's license — no forms.
Soft check; options appear in ~30 seconds.
Choose a payment, sign, and leave with your care.
The practical things people ask once they understand the four steps.
Not in the traditional sense. Sunbit is a point-of-sale option, so you apply in person at the provider's counter rather than online ahead of time. The upside is there's nothing to set up in advance — you simply ask to pay over time when you're ready to check out, and the whole thing takes about a minute.
Just your driver's license and a mobile phone. The staff scans the barcode on the back of your license to start the application, and you'll typically verify a code sent to your phone. There are no pay stubs, references, or printed forms to fill out.
No. Seeing your offer uses a soft credit check, which has no impact on your credit score. You can look at your plan options with no obligation. If you go on to accept a loan, your payment activity may later be reported to a credit bureau — so paying on time can help your history over the life of the plan.
Right away in most cases. Because the decision comes back in about 30 seconds and you sign on the spot, you can move forward the same visit — get the dental work done, approve the auto repair, or take your pet into surgery — without waiting on a separate financing process.
You sign your agreement on the tablet and you're done. Your monthly payments are set from the start, so there are no surprises — and with no late fees and no prepayment penalties, you can pay the balance off early at any time to reduce the total interest you owe.
Now that you know the four steps, the rest is simple: find a provider near you that accepts Sunbit, ask to pay over time, and you'll have your options in about 30 seconds. Checking never affects your credit score.
No application fees · No late fees · No prepayment penalties