Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.6
(22 Ratings)

Sunbit

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About Lender

Sunbit is a financial technology company that offers pay-over-time solutions to help consumers pay for purchases in a more manageable way. Founded in 2016, Sunbit provides financing options to merchants across various industries, including automotive, dental, and retail.

The company's mission is to provide consumers with transparent and affordable payment plans, regardless of their credit history. With Sunbit, customers can split their purchases into multiple installments, with interest rates and payment terms that are customized to their needs. This makes it easier for consumers to budget for larger expenses and avoid falling into debt.

Sunbit's technology is designed to integrate seamlessly with merchant systems, making it easy for businesses to offer financing options to their customers. The company uses proprietary algorithms to assess the creditworthiness of applicants, taking into account factors beyond just their credit score. This allows Sunbit to offer financing options to a wider range of customers, including those with little or no credit history.

Sunbit's services have been particularly popular in the automotive industry, where customers often need financing to cover the cost of repairs or maintenance. The company has partnerships with over 10,000 merchants.

In addition to its pay-over-time solutions, Sunbit also offers a no-fee credit card. The company is committed to providing customers with a range of options to help them achieve their financial goals.

Sunbit

Key Features

  1. Customized Payment Plans. Sunbit offers customized payment plans to the customer's needs. This means that customers can choose the payment term and interest rate that works best for them.
  2. No Hidden Fees. Sunbit is committed to transparency and does not charge any hidden fees. The interest rate and payment terms are clearly disclosed to the customer before they agree to the financing.
  3. Integration with Merchant Systems. Sunbit's technology is designed to integrate seamlessly with merchant systems, making it easy for businesses to offer financing options to their customers.
  4. Variety of Financing Options. In addition to pay-over-time solutions, Sunbit also offers personal loans and credit cards, providing customers with a range of options to help them achieve their financial goals.
  5. Wide Range of Partnerships. Sunbit has partnerships with over 10,000 merchants across various industries, including automotive, dental, and retail. This makes it easy for customers to access financing options for a variety of purchases.

Pros and Cons

Pros

Straightforward Application Process. Sunbit technology offers a quick and easy application process, allowing customers to apply online or in-store financing.

High Approval Rates. Sunbit uses proprietary algorithms to assess the creditworthiness of applicants, taking into account factors beyond just their credit score. This allows Sunbit to offer financing options to a wider range of customers, including those with little or no credit history.

Transparent Pricing. Sunbit is committed to transparency and does not charge any hidden fees. The interest rate and payment terms are clearly disclosed to the customer before they agree to the financing.

Integration with Merchant Systems. Sunbit's technology is designed to integrate seamlessly with merchant systems, making it easy for businesses to offer financing options to their customers.

Cons

Interest Rates. While Sunbit offers transparent pricing, the interest rates on their financing options may be higher than other forms of credit.

Limited Availability. Sunbit is currently only available in select industries and locations, limiting the availability of its services to certain customers.

Late Fees. Customers who miss a payment may be subject to late fees, which can increase the overall cost of their financing.

Not a Solution for All Customers. While Sunbit offers financing options to a wider range of customers, not all applicants will be approved for financing.

Additional Debt. Taking on additional debt through financing can be risky for customers who may struggle to make their payments in the future.

Reliability

Sunbit is a reliable financial technology company that offers its customers transparent and affordable financing options. The company uses proprietary algorithms to assess the creditworthiness of applicants, taking into account factors beyond just their credit score. This allows Sunbit to offer financing options to a wider range of customers, including those with little or no credit history.

Sunbit is committed to transparency and does not charge any hidden fees. The interest rate and payment terms are clearly disclosed to the customer before they agree to the financing. The company also offers a range of financing options, including pay-over-time solutions, personal loans, and credit cards, providing customers with a range of options to help them achieve their financial goals.

Sunbit has partnerships with over 10,000 merchants across various industries, including automotive, dental, and retail. This demonstrates the company's reliability and the trust that merchants have in Sunbit's technology and financing solutions.

In addition, Sunbit has a customer service team that is available to assist customers with any questions or concerns they may have about their financing. The company also has a secure website and adheres to industry-standard security protocols to protect customers' personal and financial information.

Sunbit is a reliable financial technology company that provides customers with transparent and affordable financing options. The company's partnerships with a wide range of merchants and its commitment to transparency and customer service demonstrate its reliability and trustworthiness.

How to Apply for Sunbit Loan?

Apply For a Loan

  1. Application. Go to a participating merchant in-person or find one online using Sunbit's merchant locator. You can apply in-store, via a link provided by email from a merchant, or through an eCommerce checkout process.
  2. Submit Info. Complete a 30-second application without a hard credit check.
  3. Approval. Upon approval, you'll be informed about the terms including down payment and APR.
  4. Down Payment. Make the required down payment towards your total purchase amount.
  5. Manage Your Plan. Utilize Sunbit's tools to manage your plan, adjust payments, or pay off early.

Conditions and Requirements

Conditions

  1. Approval Rate. High approval rate with 90% of applicants approved.
  2. Application Process. Quick 30-second application with no hard credit check.
  3. Fees. No application, origination, pre-payment penalty, or late fees.
  4. Down Payment. A down payment is required.
  5. Credit Approval. Based on creditworthiness, state of residence, prior history with Sunbit technology, and merchant location.

Requirements

  1. Minimum Age. Customers must be at least 18 years old to be eligible for financing.
  2. Proof of Income. Customers must provide proof of income, such as a pay stub or bank statement, to demonstrate their ability to repay the financing.
  3. Annual Percentage Rate. APR ranges between 0% and 35.99%.
  4. Loan Term. The term ranges from 3 to 72 months.
  5. Creditworthiness. Sunbit uses proprietary algorithms to assess the creditworthiness of applicants. Customers may be required to have a certain credit score or meet other criteria in order to be approved for financing, as Sunbit runs soft credit checks.
  6. Valid ID. Customers must provide a valid form of identification, such as a driver's license or passport, to verify their identity.
  7. Purchase Amount. Some financing options may have a minimum or maximum purchase amount that customers must meet in order to be eligible. In general, loan amounts vary between $50 – $20,000.
  8. Payment History. Sunbit may also consider a customer's payment history when assessing their eligibility for financing. Customers who have a history of late payments or defaults may be less likely to be approved for financing.

Ways to Receive the Money

Sunbit operates on a model where it facilitates the purchase of goods or services directly with the merchant on behalf of the consumer. When a customer opts to use Sunbit's pay-over-time solutions, Sunbit pays the merchant directly for the purchase amount. The customer then repays Sunbit in installments over a specified period, based on the agreed-upon terms of the financing arrangement.

This means that customers do not receive the money directly from Sunbit; instead, Sunbit pays the merchant directly for the purchase, and the customer repays Sunbit over time. This setup simplifies the transaction process for both the customer and the merchant, making it easier for customers to make necessary purchases and manage their payments over time.

Products

Apply For a Loan

Pay-over-time Plans

  • Term. Customers can choose from 3, 6, or 12-month payment plans, with extended 6-72 month plans available for dental care.
  • Goals. These plans are designed to make payments more manageable for necessary services like auto repairs, dental, and optical needs.

Sunbit Card

  • No Fees. There are no annual fees, late fees, application fees, or processing fees associated with the Sunbit Card.
  • Various Payment Options. The card allows customers to pay in full for individual transactions or split transactions into 3/6/12 monthly installments to limit total interest paid.
  • Control and Flexibility. Customers can manage their spending using the MySunbit mobile app, which also allows them to report a card lost or stolen, set controls on card usage, and manage payments securely.
  • Security. Customers can report a lost or stolen card right from the MySunbit App and set controls on when, where, and how the card can be used for added security.

    Other Personal Loans

    Reasons for Loan Refusal

    1. Credit Score. Sunbit looks at your credit score to determine your creditworthiness. A low credit score may result in loan refusal.
    2. Income. Your income level may affect your ability to repay the loan, which could be a factor in loan refusal.
    3. Employment Stability. Merchants may look at your employment history and stability when deciding whether to approve your loan.
    4. Debt-to-Income Ratio. If you have a high debt-to-income ratio, merchants may see you as a higher risk and may refuse your loan.
    5. Incomplete Application. If your loan application is incomplete or contains inaccuracies, it may be refused.

    How to Repay an Advance America Loan?

    1. Automatic Debit. With your authorization, payments are automatically debited or withdrawn on the due date you are assigned when completing your purchase. This will be processed with the debit card you used for your down payment or with the account and routing number you provided.

    2. Online Management. You can manage your Sunbit payments online at my.sunbit.com to update or change your payment information. If you wish to make an early or additional payment, you can do so online or by calling Sunbit Customer Support at 855-678-6248.

    3. Recurring Payments. For monthly (installment) payments, you can authorize recurring debit card or remotely created check (RCC) payments. RCC payments are made using your bank account and routing number.

    4. Check or Money Order. Some borrowers may have the option to make their monthly payments by check or money order. Payments can be sent to: Sunbit Payments PO box 841238, Los Angeles, CA 90084-1238. Ensure to include your first and last name and agreement number in the memo section of your check or money order.

    5. Payment Extension or Due Date Change. You can change your due date one time per purchase by contacting Sunbit Customer Support at 855-678-6248. If a payment is due and you are not able to make the payment, contact Sunbit Customer Support for other possible options.

    Additional Services

    In addition to its pay-over-time solutions and other financing options, Sunbit offers a range of additional services to help customers manage their finances. These services include:

    1. Merchant Referral Program. Sunbit offers a referral program that rewards those who refer new merchants to the company.
    2. Merchant Support. Sunbit provides support to its merchant partners to help them integrate the company's financing solutions into their businesses. This includes training and technical support to ensure seamless integration with their existing systems.

    Alternatives

    Avant

    Apply For a Loan

    Avant is a reputable financial provider that offers personal loans tailored to help individuals achieve their goals faster. Borrowers can access loan amounts ranging from $2,000 to $35,000, providing financial support for various purposes, such as medical bills, home projects, or unexpected expenses. One of the standout features of Avant's service is its fast funding process, with approved funds often deposited as soon as the next business day. Customers can enjoy peace of mind with predictable payments, as Avant offers a straightforward monthly payment structure with no surprises. Additionally, Avant provides fixed interest rates, ensuring that borrowers do not have to worry about fluctuations in their rates over the course of the loan.

    Avant

    OneMain Financial

    Apply For a Loan

    OneMain Financial is a reputable and longstanding lender offering personal loans ranging from $1,500 to $20,000. With a century of experience in the financial industry, they have earned the trust of countless customers. Their loans come with fixed rates and fixed payments, providing borrowers with predictable and manageable repayment plans. OneMain Financial takes pride in delivering personalized service, ensuring each customer's unique needs are met. With an extensive network of around 1,400 locations, they offer accessibility and convenience for individuals seeking financial assistance.

    OneMain Financial

    Upgrade

    Apply For a Loan

    Upgrade is a trusted financial platform offering personal loans of up to $50,000 with competitive and low fixed rates. One of the key benefits of Upgrade's service is the ability to consolidate multiple bills into a single, affordable monthly payment, making it easier for borrowers to manage their finances. Their fast funding process ensures that qualified applicants receive the funds they need promptly, enabling them to address their financial needs quickly and efficiently. Whether it's for debt consolidation, home improvement projects, covering medical expenses, or other personal requirements, Upgrade provides a reliable source of financial support with transparent terms and flexible options.

    Upgrade

    Editorial Opinion

    Sunbit aims to create a more inclusive financial ecosystem, especially for those underserved by traditional institutions, by using proprietary algorithms for credit evaluations beyond just credit scores. This approach helps individuals with limited or no credit history access financing. With transparent pricing and no hidden fees, Sunbit builds trust with consumers. Despite its high approval rates and user-friendly platform, potential drawbacks include higher interest rates and limited service availability across industries and regions. Partnering with over 10,000 merchants showcases Sunbit's reach and business trust, but there's room for growth in industry coverage and geographical service. The no-fee credit card and emphasis on customer service highlight Sunbit's commitment to a supportive financial experience, although late fees could pose financial challenges for some customers. Sunbit, with its consumer-centric approach, appears as a promising fintech entity, balancing business objectives with consumer financial wellness, yet with potential to enhance inclusivity and service provision.

    Important

    Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

    How to Choose a Lender

    1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

    2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

    3. Carefully review all the terms and conditions of your payday loan contract.

    4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

    5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

    6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

    Methodology

    At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

    In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

    At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

    Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

    Additional Resources

    Sources

    FAQ

    How Do you Qualify For a Sunbit Loan?

    To qualify for a Sunbit loan or financing, customers typically need to meet certain eligibility requirements, which may include the following:

    1. Age. Customers must be at least 18 years old to be eligible for financing.
    2. Proof of Income. Customers must provide proof of income, such as a pay stub or bank statement, to demonstrate their ability to repay the financing.
    3. Creditworthiness. Sunbit uses proprietary algorithms to assess the creditworthiness of applicants. Customers may be required to have a certain credit score or meet other criteria in order to be approved for financing.
    4. Valid ID. Customers must provide a valid form of identification, such as a driver's license or passport, to verify their identity.
    5. Purchase Amount. Some financing options may have a minimum or maximum purchase amount that customers must meet in order to be eligible.
    6. Payment History. Sunbit may also consider a customer's payment history when assessing their eligibility for financing. Customers who have a history of late payments or defaults may be less likely to be approved for financing.

    Depending on the merchant's preferences, customers can apply for Sunbit financing online or in-store. The application process typically involves filling out a simple form and providing the necessary documentation to verify eligibility. Once the application is submitted, Sunbit will review the information and provide a decision on the financing within minutes. Customers can choose the payment term and interest rate that works best for them and complete the purchase if approved.

    How Much Can You Borrow From Sunbit?

    The amount that customers can borrow from Sunbit depends on several factors, including the specific financing option, the customer's creditworthiness, and the merchant's requirements. In general, Sunbit offers financing options that range from a few hundred dollars to several thousand dollars.

    For example, some pay-over-time solutions offered by Sunbit may allow customers to borrow up to $20,000.

    Does Sunbit Approve Everyone?

    No, Sunbit does not approve everyone who applies for financing. While Sunbit uses proprietary algorithms to assess creditworthiness and may be able to offer financing options to customers with lower credit scores, not everyone who applies will be approved.

    Sunbit's credit assessment process considers various factors beyond just credit score, including income, payment history, and other financial data. Customers who have a history of late payments, defaults, or other financial issues may be less likely to be approved for financing.

    However, Sunbit's goal is to provide financing options to as many customers as possible. The company's algorithms are designed to be inclusive and to evaluate creditworthiness more holistically. Customers who are not approved for financing by Sunbit may still be eligible for financing through other lenders or financing options.

    Overall, while Sunbit strives to provide financing options to as many customers as possible, not everyone who applies will be approved, and approval is based on a variety of factors beyond just credit score.

    Is Sunbit a Legitimate Company?

    Yes, Sunbit is a legitimate financial technology company offering customers various financing options. The company is based in Los Angeles, California, and has been in operation since 2016.

    Sunbit is a registered lender with state and federal regulatory agencies, including the California Department of Financial Protection and Innovation and the Consumer Financial Protection Bureau. The company is also a member of various industry associations, including the Online Lenders Alliance.

    Sunbit is accredited by the Better Business Bureau (BBB) and has an A+ rating from the organization.

    Sunbit has partnerships with over 10,000 merchants across various industries, including automotive, dental, and retail. The company has received positive reviews from customers and has a strong reputation in the industry for its innovative financing solutions and commitment to transparency and customer service.

    Sunbit is a legitimate and reputable financial technology company providing customers with affordable and flexible financing options. The company's partnerships with a wide range of merchants and its commitment to regulatory compliance and customer service demonstrate its legitimacy and trustworthiness.

    Is Sunbit a Good Lender?

    Sunbit has generally positive reviews from customers and is well-regarded in the financial technology industry for its innovative financing solutions and commitment to transparency and customer service. The company has partnerships with thousands of merchants across various industries, including automotive, dental, and retail. It offers a range of financing options, including pay-over-time solutions, personal loans, and credit cards.

    Sunbit's proprietary algorithms assess creditworthiness more holistically than traditional credit scoring methods, allowing the company to offer financing options to a wider range of customers, including those with lower credit scores. The company also provides educational resources and customer support to help customers manage their finances and make informed decisions.

    However, as with any lender, customers should carefully consider their financial situation and needs before applying for financing from Sunbit. It's important to read the terms and conditions of any financing agreement carefully and only to borrow what you can afford to repay within the agreed-upon terms. Some customers may also find that other lenders or financing options are better suited to their needs.

    Overall, Sunbit is generally considered to be a good lender by customers and industry experts, but as with any lender, customers should carefully consider their options and make informed decisions.

    What Is Sunbit Used For?

    Sunbit is utilized for a variety of financial purposes, catering both to individual consumers and merchants across various industries. Here are some of the primary uses of Sunbit:

    1. Flexible Payment Solutions. Sunbit provides pay-over-time solutions allowing customers to split purchases into multiple manageable installments. It offers personalized payment plans, making it easier for consumers to budget for larger expenses without falling into debt.
    2. Merchant Partnerships. By integrating seamlessly with merchant systems, Sunbit helps businesses offer financing options to their customers, aiding in customer retention and potentially boosting sales. It partners with over 10,000 merchants across various sectors including automotive, dental, and retail, making financing more accessible for necessary services and purchases.
    3. Credit Assessment. Sunbit uses proprietary algorithms to evaluate the creditworthiness of applicants, considering more than just credit scores. This widens the scope of who can access financing, including individuals with little to no credit history.
    4. Credit Card Services. Sunbit offers a no-fee credit card, providing an additional avenue for customers to manage their finances and make purchases.
    5. Revenue Enhancement for Merchants. Through co-branded card partnerships, Sunbit assists in enhancing revenue for merchants both inside and outside their stores. It also aids in customer engagement by extending rewards programs.
    6. Customer Financial Management. The Sunbit Card and its pay-over-time solutions are tools that customers can use to better manage their finances while having access to necessary services and purchases.
    7. Retail Financing. Sunbit facilitates retail financing, helping customers afford purchases across various retail sectors.

      Company documents

      Accessibility
      Privacy Policy
      Terms of use
      Rates & Terms

      Sunbit technology is used by thousands of people every day to pay-over-time for unexpected expenses. It’s designed to approve 90% of people who apply with fair, transparent rates and no late fees, origination fees, or penalties. Sunbit is the kind, kind of payment.

      © Sunbit
      Financial products
      Rating by Finanso®
      i

      The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

      3.592
      (22 Ratings)
      Recommended FinScore™
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      50.00 – 20000.00 $
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      Effective interest rate on the product

      to 35.99 %
      Term
      i

      Loan term for the financial product

      3 months – 72 months
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      Effective interest rate on the product

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      Loan term for the financial product

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      All Sunbit’s reviews by june 2024
      Leave feedback
      4.4
      Advantages
      I was faced with the challenge of affording significant dental procedures. After scheduling a consultation to understand the costs, I turned to Sunbit for assistance. To my relief, they approved me in under two minutes. Such a weight lifted off my shoulders.
      Complain
      2
      Disadvantages
      I won't be opening an account with this company. I was exploring financing options for some vehicle repairs, but their offerings for someone with exceptional credit are underwhelming. A 29% interest rate for top-tier credit? Regardless of whether this is standard for them, I can secure 0% elsewhere. They've lost me as a potential customer.
      Complain
      1.6
      Disadvantages
      While I appreciate the option to make payments over time, I experienced a decline in my credit score. This was unexpected, especially since the provided information indicated it would be a soft credit check without any impact on the score.
      Complain
      2.2
      Disadvantages
      I was assured that the loan application wouldn't result in a hard inquiry on my credit. However, a month later, I discovered it did, causing a 20-point drop in my credit score. This misleading information is truly disappointing. Had I known, I would have simply used my credit card instead of adversely impacting my credit.
      Complain
      4.8
      Advantages
      I'm grateful to Sunbit for aiding me in achieving my dream of getting Invisalign. The application process was swift and straightforward.
      Complain
      2
      Disadvantages
      Sunbit seems to target customers who find themselves in emergency situations with limited options, and they're fully aware of it. What's concerning is how closely they work with businesses to ensure most loans are directed their way, even when there are alternatives that don't charge double or triple the original bill amount. Moreover, they subtract interest from any extra payments unless you settle the entire amount. I'd strongly recommend seeking alternatives or asking the business for more favorable options.
      Complain
      4.6
      Advantages
      I'm deeply appreciative of Sunbit for assisting me with the financial aspect of my vehicle repairs. The fact that it's exclusively for my vehicle offers me a sense of security. Plus, it ensures I don't misuse my credit line on unrelated purchases.
      Complain
      4.6
      Advantages
      Many thanks to Sunbit for supporting my dental financing. I urgently required a crown and had two more planned, in addition to two cavities that needed filling. Sunbit presented multiple payment options, making it all feasible.
      Complain
      1.8
      Disadvantages
      I attempted to settle my bill using a credit card, but they insisted on a debit card. This posed a challenge since I had recently dealt with fraud on my primary debit card, leading me to cancel it and await a replacement. While I did reach out to Sunbit to communicate the issue, their representative, though kind, couldn't offer a tangible solution. Despite my attempts to pay with two separate credit cards, Sunbit continuously sent "gentle" reminders about my overdue payment. Eventually, I had to resort to paying through my bank account details, which left me uneasy about potential security risks. Sunbit, please reconsider this policy to protect your customers from potential fraud risks.
      Complain
      4.2
      Advantages
      I took my vehicle to the dealership because of a warning light. Turns out, some animal had chewed through wires, and the repair cost exceeded my checking account balance, and I don’t use credit cards. The dealership representative introduced me to Sunbit as a payment option. I made an initial payment that day, followed by monthly installments to settle the bill. Not only was I content with this solution, it was a real lifesaver.
      Complain
      aggregation.company.allReviews
      Overall company rating
      3.6
      / 5
      22 reviews
      Execution of an application
      3.5
      Support service
      3.6
      Mobile app
      3.5
      Service quality
      3.6
      Your satisfaction level
      3.7
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