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Rating by Finanso®

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.

Sunbit's app


The mobile application called MySunbit is an easy and quick alternative to a personal account on the website and the customer service by phone.

You could download it from AppStore or Google Play. It has a 4,7 rating from 134 reviews on Google Play and over 10,000 downloads.

MySunbit on Google Play

Download app

MySunbit on App Store

Download app

You can:

Manage your Sunbit Card

  • View account details, and see your minimum payment due, transactions, and balances.

  • Make payments

  • View or download your monthly statements

  • Update or change your default debit or bank account information

  • Contact customer support

  • Get instant access to managing your payment plan 24/7

  • View your purchases and monitor your installment payments

  • View activity, make payments, or pay off early

  • Update your default payment method

  • View payment history and payments due

The MySunbit application is free, but some functions are only available for eligible customers and accounts.

To use the app, you should be a Sunbit client; you could log in with a user ID and password or create one in the app.

Loans are made by, and the Sunbit Card is issued by, Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications and credit terms. The Sunbit Card is issued pursuant to a license from Visa U.S.A. Inc.

For feedback, email


Does Sunbit have an app?

Yes, it does. You could apply, manage your loan amount, schedule payments, change your info, or contact customer care using the app. Available for iOS and Android smartphones.

Calculate loan payments in Sunbit

Sunbit calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

50 $
20000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Sunbit

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Sunbit and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Sunbit’s reviews by October 2022
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