Sunbit vs Cherry
Verdict. Sunbit leads on the overall Data Index (5.4 vs 4.4). On the 3 axes where both have evidence, Sunbit wins 2, Cherry wins 0 and 1 is tied. Clearest gaps: pricing clarity (Sunbit 5.0 vs 2.0) and vendor stability (Sunbit 8.0 vs 6.5).
Table view
| Axis | Sunbit | Cherry |
|---|---|---|
| Features | no data | 5.0 |
| Integrations | 2.3 | no data |
| Pricing clarity | 5.0 | 2.0 |
| Support | 2.0 | 2.0 |
| Vendor stability | 8.0 | 6.5 |
| User rating | 9.8 | no data |
Axis by axis
- Features – vs 5.0 no data
- Integrations 2.3 vs – no data
- Pricing clarity 5.0 vs 2.0 Sunbit
- Support 2.0 vs 2.0 tie
- Vendor stability 8.0 vs 6.5 Sunbit
- User rating 9.8 vs – no data
Sunbit or Cherry: which should you choose?
Cherry and Sunbit are direct competitors: both are soft-check installment lenders that pay the practice up front and handle collection themselves.
Cherry finances larger amounts (up to $50,000 for dental, over up to 60 months) and takes a down payment at checkout, which makes it a fit for implant, full-arch and cosmetic cases. Sunbit finances up to $20,000 over 3 to 72 months, states that it charges no late fees or deferred interest, and publishes a practice fee “as low as 1.9%”.
Approval claims are similar (about 90% for Cherry, 87% for Sunbit) and neither is audited. Choose on three things: your largest typical case, the merchant fee each quotes at the promotions you will offer, and which one your front desk finds easier to present. More detail in CareCredit vs Cherry vs Sunbit.
What our reviews say
Sunbit
Installment financing with an 87% approval claim, no late fees or deferred interest, and practice fees from 1.9%. Ceiling of $20,000.
Strengths- Advertised 87% approval rate with no hard credit check
- States no late fees, no deferred interest and no penalty APR
- Published practice fee floor: as low as 1.9% per transaction, with no setup or monthly fee
- Maximum of $20,000 is below Cherry, Proceed Finance and LendingClub
- The 1.9% figure is the floor; typical rates by promotion are not published
- APR up to 35.99% for weaker credit
Cherry
Soft-check installment financing up to $50,000 for dental, paid to the practice in 2–3 days. Strong patient reviews; merchant fees are not published.
Strengths- Soft credit check only; Cherry states it never runs a hard check
- Finances up to $50,000 for dental over as long as 60 months
- Advertised approval rate of about 90%
- Merchant fee schedule is not published
- Down payment is collected at checkout
- A 2.99% fee applies when the patient pays the down payment by credit card
Side by side
| Sunbit | Cherry | |
|---|---|---|
| Data Index | 5.4 | 4.4 |
| Category rank | #2 of 13 · Patient financing | #8 of 13 · Patient financing |
| User rating | 4.9 / 5 | — |
| Review count | 140 | — |
| Pricing transparency | Partially public | Quote only |
| License | Quote only | Quote only |
| Deployment | Cloud | Cloud |
| HIPAA claim | — | Yes |
| In market since | — | 2017 |
| Company size | 501-1,000 | 51-200 |
| Markets | US | UK, AU, CA, US |
| Data completeness | 88% | 82% |
Features
1 of 1 tracked capabilities differ. Only Cherry: membership plan admin.
| Capability | Sunbit | Cherry |
|---|---|---|
| Membership plan admin | ? | ✓ |
Choose Sunbit if…
- Everyday treatment plans where approving more patients matters most
- Practices that want terms staff can explain in one sentence
- A second lender for patients declined for CareCredit
Choose Cherry if…
- Implant, full-arch and cosmetic cases that need a high financing ceiling
- Practices that want a second option for patients declined for a credit card
- Offices that want patients to apply on their own phone in about a minute
- you need membership plan admin
FAQ
Is Sunbit better than Cherry?
Sunbit leads on the overall Data Index (5.4 vs 4.4). On the 3 axes where both have evidence, Sunbit wins 2, Cherry wins 0 and 1 is tied. Clearest gaps: pricing clarity (Sunbit 5.0 vs 2.0) and vendor stability (Sunbit 8.0 vs 6.5).