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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.

Apply for a Sunbit's loan


How to apply


Sunbit business is operating online. It verifies and evaluates your information to decide whether you qualify and what amount with which interest and how long you could borrow.

What do you need to apply:

  1. Go to the Sunbit site

  2. Find the business you need using the Merchant locator. Then, apply and visit the clinic or office.

The data that will be collected or verified during the application:

  • Real name, previous name, alias, unique personal identifier, online identifier, unique device identifier address, email address, IP address, telephone number, account name, driver’s license number, passport number, signature, or other similar identifiers, driver’s license or state identification number, Social Security number, another government-issued identification number, and copies and information from government-issued Ids and death certificates.

  • Credit report information, credit scores, payment information, bank account numbers, debit card numbers, account details, ACH information, income, and similar data.

  • The date of birth and income.

All the information is confidential and collected to evaluate the client's ability to take and pay back loans.

  • At the office, you must have:

  • Government Photo ID (driver's license or other proof of identification)

  • Your debit card to make a down payment

  • Financial and bank documents to arrange the further installments

3. Check your email. You should get the loan agreement and repayments plan.

Application details

An application form could be filled out for 30 seconds and submitted 24/7. After that, you may be successfully pre-qualified; find a complete bargain at the merchant's office or use the retailer or e-commerce checkout process link if you buy online.

There are reasons why your application may be rejected: Sunbit specialists make a soft credit check, considering your income, credit score, and past credit history.

The final loan terms can vary by state due to legal requirements. For example, loans are not available in or to residents of Connecticut, Vermont, West Virginia, or Wyoming.

Sunbit claims 90% of applicants are approved but don't disclose the minimal income or credit score required. Just check if you provide all the required information correctly and have a valid bank-issued debit card.

How to apply for a loan

You could only apply through a participating retailer. Use the Merchant locator at the official website to find one near you and pre-qualify before visiting.

  1. Click the «Store Locator» on the sidebar.

  2. Choose needed business.

  3. Enter the personal information to see and select your repayment options.

  4. Validate your phone number: enter the number and choose if they text or call you. Then, click the «Continue» button if you review and agree to Sunbit’s Arbitration Provision and Privacy Policy.

  5. A clinic or office will be notified about your prequalified amount. You could view the down payment amount, your APR, and a breakdown of how much your finance charges will be. It is included in the total amount of your financing; you pay only what you agreed to.

  6. Visit the merchant's office and make a deal. You will need your state-issued ID or driver’s license, make the down payment with a debit card, and choose a paying method for regular repayments. Or finalize your deal online using the link from the merchant or e-commerce checkout process if you do shopping online.

  7. As soon as you buy and sign a contract, you get a welcome letter in your email. A copy of the loan agreement is attached. There you can find the amount, interest rate, and plan of repayments.

  8. The payments will be automatically debited from the card you used for your down payment or by the method you have chosen in the agreement.


How long does it take to get approved by Sunbit?

The loan request is approved within 30 seconds. Next, you select repayment options and complete your bargain with a retailer.

How trustworthy is Sunbit?

Sunbit is a BBB accredited business with the highest rating of A+, and a customer reviews rate of 4,37/5. Also, it has over 970 good reviews and a 4.8 score at Trustpilot.

The company has been operating in the USA with 13,000 local retailers.

Account and payment activity are reported to a major credit bureau. Loans are funded by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications and credit terms. So the company shares your personal information with third parties, including customer agencies, a partner bank, and merchants, and in case of any legal process or court orders.

It only claims that the company ensures «reasonable physical, technical, and administrative security measures» to protect your personal information.

Does Sunbit verify income?

Yes, it does. Sunbit makes a soft credit check to evaluate your creditworthiness. It doesn't affect your credit score. It is not disclosed what minimum credit rating you should have to qualify, but the approval rate looks pretty high — 90%.

Therefore only the borrowers with high creditability may get the lowest APR, most considerable loan amount, longer terms, and better options.

Does Sunbit hurt your credit score?

The company shares information about you and your account with credit bureaus. This may include all repayments, including late and missed payments, or other defaults on your profile. This information may be reflected in your credit report.

Ensure that the payments are affordable for you every month before submitting the loan application. Your paying plan should suit personal financial problems and goals.

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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