Lender
Rating by Finanso®
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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 Account Review

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How To Login in Sunbit Account?

To login to your personal account on Sunbit, you can follow the below steps:

  1. Open the Sunbit website.
  2. Click on the "Customer Login" link located at the top right corner of the page.
  3. You will be directed to the Sunbit login page, where you will see two fields: "Email" and "Password".
  4. Enter the email address that you used to create your Sunbit account in the "Email Address" field.
  5. Enter your password in the "Password" field. Make sure to enter the correct password, as passwords are case sensitive.
  6. After you have entered your login credentials, click on the "Login" button.
  7. If your login credentials are correct, you will be directed to your Sunbit account dashboard, where you can view your account details, transaction history, and other information.

If you are having trouble logging in or have forgotten your password, you can click on the "Forgot Password" link on the login page to reset your password.

Key Features

Sunbit is a financial technology company that provides financing solutions for retailers to offer to their customers. Here are some key features:

  1. Instant financing. Sunbit offers instant financing at the point of sale, allowing customers to finance their purchases quickly and easily.
  2. No credit impact. The company uses a soft credit check, which means that customers can get financing without affecting their credit score.
  3. Flexible payment options. Sunbit offers flexible payment options that fit within a customer's budget, including interest-free options and longer-term financing plans.
  4. Seamless integration. The company integrates seamlessly with retailers' point-of-sale systems, making it easy for customers to apply for financing and for retailers to process transactions.
  5. High approval rates. Sunbit's underwriting technology allows for high approval rates, even for customers with less-than-perfect credit histories.
  6. Wide range of industries. Sunbit provides financing solutions for a wide range of industries, including automotive, home improvement, health and wellness, and more.

How To Register an Account?

Sunbit has a straightforward and uncomplicated process for loan application and funding. Customers can fill out an online application through a retailer's website or in-store, which only takes a few minutes to complete. The application requires some basic information about the customer and the purchase they want to finance. Sunbit's advanced underwriting technology evaluates loan applications and approves a high percentage of loans, even for customers with less-than-perfect credit histories. After loan approval, the company provides the customer with a list of loan terms and payment options, allowing them to choose the best fit for their budget.

Once the customer has selected their loan terms and payment option, Sunbit funds the loan directly to the retailer, enabling the customer to complete their purchase and start enjoying their new product.

Step-by-step Registration

Here are the step-by-step instructions to register a Sunbit account:

  1. Go to the Sunbit website.
  2. Click on the "Customer Login" button at the page's top right corner.
  3. On the login page, click on the "Don't have an account? Create Account" button.
  4. You will be taken to the registration page where you will need to enter the last 4 digits of your Social Security Number (SSN) and your email address.
  5. After entering your SSN and email address, review the Privacy Policy and Terms of Use, then check the box next to "Agree & Sign Up" to confirm your agreement.
  6. Click on the "AGREE & SIGN UP" button to complete your registration.

How Do Sunbit Loans Work?

Sunbit offers point-of-sale financing options to customers making purchases at participating businesses. Here's how Sunbit loans work:

  1. Apply for financing. When you're ready to make a purchase, ask the retailer if they offer financing through Sunbit. If they do, you can apply for financing directly at the point of sale. You will need to provide some basic personal and financial information to complete the application.
  2. Get approved. Sunbit uses a proprietary algorithm to assess your creditworthiness and determine your loan terms. If you're approved, you will receive a loan offer with a fixed interest rate and repayment terms.
  3. Accept the loan offer. If you decide to accept the offer, you must sign a loan agreement and provide a valid form of identification. Once you've completed these steps, the funds will be deposited directly into the retailer's account, and you can complete your purchase.
  4. Repay the loan. Your loan will have fixed repayment terms and a fixed interest rate. You will be required to make regular payments until the loan is paid off. You can make payments online through your Sunbit account, or you can make payments in person at the retailer where you made the purchase.

Loan Funding Times

Sunbit's loan funding times can vary depending on the specific retailer and location. However, in most cases, loan funding is quick and efficient. Once a customer has been approved for a loan and has selected their loan terms and payment option, Sunbit typically funds the loan directly to the retailer within minutes. This allows the customer to complete their purchase and take their new product home right away. In some cases, the loan funding may take a little longer, but the company’s goal is to provide fast and convenient financing options for customers. If a customer has any questions about loan funding times, they can contact Sunbit's customer support team for assistance.

Who Are Sunbit Loans For?

Sunbit loans are designed to provide financing solutions for a wide range of customers across various industries. The loans are primarily intended for customers who are looking to make a purchase but do not want to pay the full amount upfront. The loans are suitable for customers who prefer to spread out their payments over time, rather than using a credit card or paying with cash.

Sunbit's financing options are available for customers with all types of credit histories, including those with less-than-perfect credit. The company’s advanced underwriting technology evaluates loan applications based on a variety of factors beyond just credit scores, which allows the company to approve a high percentage of loan applications.

Sunbit loans are available across various industries, including automotive, home improvement, health and wellness, dental, and veterinary. Therefore, customers who need financing for a new car, a home renovation project, or a medical expense can all benefit from Sunbit's financing solutions.

How To Delete an Account?

If you want to delete your Sunbit account, you can follow the steps below:

  1. Contact customer support. To delete your Sunbit account, you will need to contact their customer support team. You can do this by calling their toll-free number at 1-855-678-6248 or fill out the online form on the “Contact Us” page.
  2. Request account deletion. Once you are in touch with a customer support representative, let them know that you would like to delete your Sunbit account. They may ask you to provide some information to verify your identity, such as your name, address, and email address.
  3. Confirm deletion. After verifying your identity, the customer support representative will confirm that they have deleted your Sunbit account. They may also provide you with additional information or answer any questions you have about the account deletion process.
  4. Check for confirmation. Once the deletion process is complete, you should receive a confirmation email from Sunbit confirming that your account has been deleted.

It's important to note that deleting your account will permanently delete all your personal information and transaction history. If you have any outstanding loans with Sunbit, you will still be responsible for paying them off according to the agreed-upon terms.

How To Reset a Password?

If you have forgotten your Sunbit password, you can reset it by following these steps:

  1. Go to the Sunbit website.
  2. Click on the "Customer Login" button in the page's top right corner.
  3. On the login page, click on the "Forgot Password? Click Here" link.
  4. You will be taken to a page where you must enter the last four digits of your Social Security Number (SSN) and the email address associated with your Sunbit account.
  5. After entering your SSN and email address, click on the "Get Reset Link" button.
  6. You will receive an email with instructions on how to reset your password. Follow the instructions in the email to reset your password.

FAQ

How Do I Contact Sunbit?

There are a couple of ways to contact Sunbit:

  1. Phone. You can call Sunbit's toll-free number at 1-855-678-6248 to speak with a customer support representative.
  2. Online form. You can also contact Sunbit by filling out the online form on their website. To do so, go to the Sunbit website and click on the "Contact Us" link at the bottom of the page.

Once you submit the online form, a customer support representative will respond to your inquiry as soon as possible.

How Do I Activate My Sunbit Account?

When you sign a loan agreement and make your first payment, your Sunbit account is usually activated automatically. However, if you encounter any issues or your account has not been activated, you can reach out to Sunbit's customer support team for assistance.

Sunbit may ask you to complete additional steps to activate your account, such as providing more documentation or verifying your identity, depending on the specific issue. Additionally, the company may send you a physical letter to complete the activation process.

If you haven't received any communication from Sunbit about activating your account, you can contact their customer support team via phone or email. They can assist you with checking the status of your account and guide you through the necessary steps to activate it.

Why Can't I Access My Sunbit Account Online?

If you are having trouble accessing your Sunbit account online, there may be several reasons behind it. Here are some common causes and potential solutions:

  1. Incorrect login credentials. Check that you have entered your correct email address and password, with no typos or errors. If you're unsure of your password, use the "Forgot Password?" feature to reset it.
  2. Account activation. If you've recently applied for financing with Sunbit, you may need to activate your account before accessing it. Look for an activation email from Sunbit in your inbox and follow the instructions to activate your account.
  3. Technical issues. Sunbit's website may experience technical issues that can prevent account access. Try accessing your account from a different device or web browser, or wait a while and try again later.
  4. Account suspension. Sunbit may suspend your account if there are issues with your loan or payment history. Reach out to Sunbit's customer support team to determine the status of your account and how to resolve any problems.

If you have attempted these solutions and are still unable to access your Sunbit account, contact their customer support team for further assistance. They can assist you with troubleshooting the issue and getting you back into your account as soon as possible.

Financial products
Rating by Finanso®
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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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300
650
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50.00 – 20000.00 $
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Effective interest rate on the product

to 35.99 %
Term
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Loan term for the financial product

3 months – 72 months
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All Sunbit’s reviews by may 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
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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