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Once you have agreed to a term length, it cannot be modified. You can always pay your loan off sooner without any penalty, but your term length cannot be extended beyond what you originally chose.

If your loan needs to be canceled or adjusted, the merchant where you made your purchase will need to notify Sunbit of the new amount. Once Sunbit is notified, the purchase will either be adjusted or canceled, and the original payment method on file will be reimbursed for any payments that were already made.

Interest rates can vary. Upon applying, you will be able to view your personalized interest rate and how it is broken down into your monthly payments. The interest charge is already included in the total amount of your loan, so you will never pay more than what you agreed to. To view your specific interest rate, please refer to your loan agreement which can be accessed through your My Sunbit account or in the welcome email you received the day you made your purchase.

Sunbit’s Customer Care team is here to work with you. If you need to change your recurring monthly due date or simply request an extension for a specific payment, please contact our Customer Care team at 855-678-6248 or at [email protected]. We also have hardship options available for extenuating circumstances.

Sunbit will accept monthly payments via mail if you are unable to use a debit card or remotely created check. Payments can be sent to the following address:

SUNBIT PAYMENTS
PO BOX  841238
LOS ANGELES, CA 90084-1238

We accept checks and/or money orders. Please include your first and last name and loan agreement number in the memo section of your check or money order.

Sunbit requires a bank-issued debit card or checking account and routing number to process your payments. Certain borrowers may also have the option to make their monthly payments by check or money order.

With your authorization, your payments are automatically debited or withdrawn on your assigned due date, and will be processed using the payment method you provided. You can update your payment information by contacting our Customer Care team at 855-678-6248, or by visiting mysunbit.com or the Sunbit mobile app. If you want to make an early or additional payment, you can call us or do so online as well. There is no fee for making early or additional payments.

You can find a copy of your loan agreement attached to the welcome email you received at the time of purchase. You can also access it online at mysunbit.com or through the Sunbit mobile app.

Approval amounts cannot be adjusted, however, if you choose to make a purchase for more than what you are pre-approved for, you can pay for the difference using your debit card.

There are no “bills” sent to customers. All correspondence, including payment reminders, are emailed to you, using the email address you put on file pursuant to your consent to receive correspondence electronically, which can be revoked following the instructions in your loan agreement. We will email you a copy of your financing agreement and payment schedule as soon as you sign your loan agreement and complete your purchase.

Customers can manage their Sunbit account online at mysunbit.com or through the Sunbit mobile app, which can be downloaded from the Apple App Store or Google Play Store. If you haven’t created an account yet, simply choose the “create account” option and enter the requested details to locate your account and create a password. Be sure to enter the email address on file for your account.

Every time you finance a purchase using Sunbit technology, you enter into a new loan agreement with your lender. You may have several loans at a time, but they will all be separate contracts with their own monthly payments. These cannot be combined. If you want to make a new purchase using Sunbit technology, you will need to re-apply.

A down payment is always required. We’ll process the down payment right after you execute your loan agreement and confirm your loan.

Yes, you are required to make a down payment when you are finalizing your purchase. This down payment goes toward your total purchase amount. If you apply and are pre-approved, you’ll be able to see the exact down payment amount for your purchase.

When applying, we perform a soft credit check, which helps us determine if you are eligible. A soft credit check does not impact your credit score. Your credit score may be affected when accepting a loan to complete a purchase or opening an account.

Yes, the account, balance, and all payment history is reported.

Sunbit technology allows you to choose from a variety of payment plan options to pay for your purchase over time instead of all at once.