Sunbit

Sunbit is the most straightforward of the big three patient financing options. It approves a high share of applicants without a hard credit check, its plans have no late fees or deferred interest according to the company, and it is the only one of the three to publish any figure for what the practice pays.

Its limit is the ceiling. At $20,000 it covers most general dentistry but not the largest implant cases, so practices doing full-arch work will want Cherry or another high-limit lender alongside it.

What Sunbit is

Sunbit is a pay-over-time product offered at the point of sale in dental practices, auto service centers and other businesses. Loans are made by TAB Bank. Sunbit says it is used at more than 15,000 dental locations.

Like Cherry, it gives the patient a fixed installment plan rather than a credit card. Its positioning is approval breadth and simple terms.

Patient terms

What it costs the practice

Sunbit advertises fees “as low as 1.9%” per transaction, with no setup cost and no monthly fee, and pays the practice in full at checkout. That is a floor, not a typical rate. Longer no-interest plans cost the practice more, as with every lender.

Ask for the rate at each promotion you would offer, and compare those numbers with quotes from Cherry and CareCredit rather than comparing the headline floor.

Where Sunbit is strong

• Approvals. An advertised approval rate of 87%, with applicants accepted from credit scores of about 500.
• Simple promise. “No late fees, no deferred interest” is easy for a treatment coordinator to say and for a patient to trust.
• Long terms. Up to 72 months keeps monthly payments low on mid-sized plans.
• Speed. A 30-second application and payment to the practice at checkout.
• Reviews from both sides. 4.9 out of 5 on G2 from 139 business users, and 4.7 on Trustpilot from about 4,000 consumers.

Where it falls short

• Ceiling. $20,000 will not fund the largest cases.
• Fee detail. Only the floor is public.
• Cost to weaker-credit patients. A 35.99% APR over 72 months costs more in interest than the treatment. Make sure patients see the total of payments.
• Payment timing complaints. Some consumer reviews mention withdrawals earlier than expected and the effect of several applications on their credit.
• Integrations. We could not confirm direct integrations with named practice management systems.

Sunbit alternatives to compare

• Cherry for a higher ceiling: Cherry vs Sunbit.
• CareCredit for patients who already hold the card: CareCredit vs Sunbit.
• Denefits if you need a 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 is an easy recommendation as the installment option next to CareCredit. Add a high-limit lender if you do large implant cases, and track approvals and fees for the first 90 days.

What users say about Sunbit

Consumer reviews: about 4,000 on Trustpilot with a score of 4.7 out of 5 (86% five-star, 6% one-star), read on September 30, 2026. The G2 rating of 4.9 from 139 reviews comes from business users; we could not read the individual G2 reviews, so the themes above reflect the consumer side. Themes are paraphrased, not quoted.