Sunbit

Sunbit is the most straightforward of the big three patient financing options, and its 2026 dental program pushes that further by cutting the practice-fee floor to 1.9% with no setup or monthly cost. It approves a high share of applicants on a soft credit check, its plans carry no late fees or deferred interest according to the company, and — unlike CareCredit — it publishes at least a starting figure for what the practice pays.

Its limit is the ceiling. At $20,000 it covers most general and restorative work but not the largest implant or full-arch cases, and its approval-rate claims sit in the middle of an active, public dispute with Cherry over whose numbers are real. Practices doing high-value cases should pair it with a higher-limit lender and verify both companies' approval and fee figures against their own patient mix before choosing.

What Sunbit is

Sunbit is a point-of-sale, pay-over-time product used in dental practices, auto service centers, optical shops and other local businesses. Loans are issued by Transportation Alliance Bank (TAB Bank), not Sunbit itself, and Sunbit says it's used at more than 15,000 dental locations.

Like Cherry, it gives the patient a fixed installment plan rather than a revolving credit card, and its marketing leans on approval breadth and a simple, no-surprises promise rather than a loyalty-card brand. Sunbit remains privately held: its last disclosed equity round was a $130 million Series D in 2021 at a $1.1 billion valuation, and in August 2025 it completed a $200 million asset-backed securitization to expand its lending capacity — a debt deal, not an IPO. As of our research there is no evidence of a public listing or stock ticker for Sunbit, despite that claim circulating in some comparison content; verify current company status directly with Sunbit before citing it elsewhere.

The 2026 dental program and patient terms

Sunbit introduced a new dental financing program for 2026 that it describes as lower practice fees, higher approvals and 'no surprises,' and existing partners can switch to it at no extra cost. The patient-facing terms, per Sunbit's own pages:

Note that Sunbit reports account openings and payment activity to at least one major credit bureau, and that the product is not available in all US territories.

What it costs the practice

Under the 2026 program, Sunbit advertises a practice fee floor of 1.9% per transaction, with no setup fee, no monthly fee and no contract minimum, and the practice is paid in full at checkout regardless of whether the patient later pays on time. That 1.9% is explicitly a floor rather than a typical rate: Sunbit's own materials say pricing improves as a practice's usage grows, and larger DSOs can negotiate volume-based rates that aren't published anywhere.

Get a written quote for the fee at each promotion length you'd actually offer — a 24-month 0% plan costs the practice meaningfully more than a 1.9%-floor headline suggests — and compare that quote against Cherry's and CareCredit's for the same promotion before committing.

Where Sunbit is strong

• Approvals. An advertised 87% approval rate on a soft credit check, with approvals claimed from scores as low as about 500.
• A simple promise. 'No late fees, no deferred interest, no prepayment penalty' is easy for a treatment coordinator to say and for a patient to trust, compared with CareCredit's deferred-interest structure.
• Long terms. Up to 72 months keeps monthly payments manageable on mid-sized treatment plans.
• Speed. A roughly 30-second application and same-day payment to the practice at checkout.
• Business-side satisfaction. 4.9 out of 5 on G2 from about 139 reviews, mostly from small and mid-size practices, who cite affordability and flexible payment plans most often.
• Funding stability. A 2021 unicorn valuation plus a 2025 $200 million securitization suggest Sunbit isn't short of capital to fund loans, which matters for a lender you'll depend on for cash flow.

Where it falls short

• Ceiling. $20,000 won't fund the largest full-arch or full-mouth implant cases; you'll need a second, higher-limit lender for those.
• Fee opacity beyond the floor. Only the 1.9% starting number is public; the schedule that actually applies to your volume isn't.
• The approval-rate fight with Cherry. Sunbit and Cherry each publish comparison pages accusing the other of misleading approval-rate and fee claims. Neither company's figure is independently audited, so don't let a headline percentage decide this for you — ask both for your actual numbers after a trial period.
• Cost to weaker-credit patients. A 35.99% APR over a long term can cost more in interest than the treatment itself; make sure patients see the total of payments, not just the monthly figure.
• Product friction for some patients. G2 reviewers mention limited functionality for patients less comfortable with an app-based flow, plus occasional account-access complaints; Trustpilot reviewers separately mention payments withdrawn earlier than the patient expected.
• Integrations. Sunbit lists integration partners on its site, but we could not confirm a named, verified practice-management-system integration the way Cherry and CareCredit document theirs.

Setup and enrollment

Enrollment is positioned as fast and self-serve rather than a formal onboarding project — Sunbit doesn't publish onboarding timelines or a dedicated-account-manager guarantee the way larger PMS vendors do. If a documented rollout plan matters to your office, ask your Sunbit rep for one in writing rather than assuming it from the marketing pages.

Sunbit alternatives to compare

• Cherry for a higher advertised ceiling: Cherry vs Sunbit.
• CareCredit for patients who already hold the card: CareCredit vs Sunbit.
• Denefits if you need a dedicated no-credit-check option: no-credit-check dental financing.

Three-way comparison: CareCredit vs Cherry vs Sunbit.

Bottom line

For a general practice that wants more treatment plans approved with the least explanation, Sunbit's 2026 program — a lower fee floor, no deferred interest, a fast application — makes it an easy second (or first) lender next to CareCredit. Don't take the 87% approval figure or the 1.9% fee at face value: get both in writing for your own patient mix, add a high-limit lender if you do large implant cases, and track real approvals and real fees for your first 90 days before judging it against Cherry.

What users say about Sunbit

G2: 4.9 out of 5 from about 139 business-user reviews, read November 4, 2026 — reviewers there most often cite affordability/flexible plans as positives and limited app functionality or account-access issues as negatives. Trustpilot: consumer-side ratings ranged 4.5–4.7 out of 5 across roughly 3,800–3,900+ reviews depending on the country site and snapshot date, read November 4, 2026; roughly 87% five-star and 5–6% one-star in the breakdowns we found. Themes above are paraphrased, not quoted, and combine both platforms.