Summary
You want a financing partner that’s simple for patients, easy for your front desk, and reliable behind the scenes. Sunbit is built around no added fees to patients, clear, in-office workflows, and an exceptional patient and practice experience. Cherry publicly lists its APR penalty fees, late fees, NSF fees, and a 2.99% card processing fee.
Key Points
- No patient fees: Sunbit says no fees ever – no added late/NSF/late penalty/origination fees; as of 10/8/2025, Cherry lists $15 late fees, $15 NSF fees, and 2.99% card-payment processing fees, and 29.99% late APR penalties.
- Easier checkout: Sunbit’s guided in-office flow with training/certification makes it easy for staff to help patients get the treatment they need.
- Stronger patient and office satisfaction: Sunbit has thousands of 5 star ratings on multiple trusted review platforms.
When a patient says “yes” to treatment, financing becomes part of your brand. If it’s smooth and transparent, case acceptance goes up and follow-through is predictable. If it’s confusing (extra fees, disputes, delays), your team spends time on calls instead of care.
Below is a simple comparison of how Sunbit and Cherry differ.
Patient-Facing Fees (what creates calls to your office)
- Sunbit: Tells consumers it doesn’t charge late, origination, or other add-on fees — and means it. That’s less “gotcha” risk for your patients and fewer “why was I charged?” phone calls for your staff. Sunbit
- Cherry: Public pages say patients can be charged late fees (after 10 days), NSF/returned-payment fees, 29.99% late APR penalties, and that credit-card payments incur a 2.99% processing fee. Even small fees create friction or disputes. Cherry
Takeaway for practices: Fewer add-on fees → fewer billing questions → happier patients and a calmer front desk.
Front-Desk Workflow (what actually happens in the office)
- Sunbit: Built for in-office use with a guided flow so staff can confidently present financing to every patient and help more patients get the treatment they need.
- Cherry: Markets a quick application and instant decisions, but your team must still explain possible late/NSF/card fees and penalty APRs to patients who ask.
Takeaway for practices: A scripted, streamlined process makes it easier for your team to offer financing every time. Plus, rewards programs recognize team members for their effort.
Reliability Behind the Scenes (what your patients actually experience)
- Sunbit: Trusted by thousands of 5-star reviews for transparency, ease of use, and patient experience.
- Cherry: Has terminated thousands of merchants, including some for approving too many patients with low-credit profiles.
Takeaway for practices: Sunbit is a long-term partner that helps you serve patients across the credit spectrum without risking loss of your financing option overnight.
Quick Side-by-Side
What to ask any financing vendor
- “What patient fees or questions could we be fielding?” (Late? NSF/returned-payment? Card processing?)
- “How do you make sure our staff can confidently offer financing?” (In-office flow, training, certification, materials, rewards program)
- “How do you set up your partners for long-term success?” (No risk of termination, U.S.-based support, trusted reviews)
Final thought for practice owners
If your priorities are clear patient costs, repeatable front-desk habits, and fewer back-office surprises, the evidence—public disclosures and reviews—points to Sunbit as the cleaner fit.
Loans are made by Transportation Alliance Bank Inc. dba TAB Bank, which determines qualifications for and terms of credit.