The lowest priced dental financing solution that accepts the most cases

Sunbit offers a simple, fast, and transparent way for patients to pay over time for dental care. With our technology, patients can complete the application in seconds—with no hard credit check—right from their phone or at your front desk. Approved patients can choose flexible payment plans, spreading the cost over up to 72 months. There are no fees, and the process is designed to be stress-free for both the patient and your team with nearly every patient approved.

Most do. Sunbit approves 87% of patients who apply, more than double CareCredit’s roughly 40%. There’s no hard credit check and no hit to the patient’s credit. Approvals start at a 500 credit score, with no-interest plans up to 72 months. If a patient still isn’t approved, there’s no harm done, and your team can offer another option that day. More approvals mean more accepted treatment, and up to 5x more production than other BNPL providers.

You’re paid in full the moment a patient checks out, for the full treatment amount. The money comes up front, not as the patient repays Sunbit. Your cash flow stays steady on every case. Fees start as low as 1.9%, with no setup costs and no monthly fees.

Sunbit approves patients with credit scores starting at 500, well below the 650+ typical of most patient financing options. Approval is based on more than credit score alone, which is why Sunbit’s overall approval rate reaches 87% — more than double the industry average.

No. Applying for Sunbit financing does not require a hard credit check, so it does not impact a patient’s credit score. Once a payment plan is opened, account openings and on-time payment activity are reported to a major credit bureau, which can help patients build their credit over time.

Yes. Sunbit financing works across every dental specialty and procedure, including dental implants, clear aligners and orthodontics, cosmetic dentistry, periodontal care, and emergency treatment. There are no restrictions by procedure type or treatment category.

Most practices are up and running with Sunbit within a few days. Sunbit ships everything you need to get started, including a Sunbit iPad and marketing materials, and a 1:1 training program ensures your team is certified and confident from day one.

You’re set up to win from day one. Every practice gets 1:1 onboarding and a dedicated Sunbit rep. Our US-based support team is here 24/7 by phone, chat, or email. Weekly webinars and on-demand training through the Sunbeast community keep your team sharp. No setup costs. No contract minimums.

Your team runs it. Staff start and finish the application for the patient right at the front desk, in seconds, on the Sunbit iPad. No hard credit check. Financing stays part of the treatment conversation, not something the patient sorts out later. Patients can also apply from their own phone if they’d rather. Either way, 87% get approved.

It comes down to approvals and economics. Sunbit approves 87% of patients who apply. CareCredit, around 40%. Our practice fees start at 1.9%, against the 10% or more common on 0% APR plans. There’s no hard credit check, and approvals start at a 500 credit score. Patients face no late fees, deferred interest, or penalty APRs, so none of the deferred-interest risk CareCredit is known for. More approvals. Lower fees. More cases accepted.

Pricing is simple. One fee, as low as 1.9% per transaction. No setup costs. No monthly fees. No minimums. The rate doesn’t change with the patient’s plan, just one prime rate and one subprime rate. Many 0% APR plans hide merchant fees of 10% or more. Sunbit doesn’t. And patients never pay late fees, deferred interest, or penalty APRs.

No. We have the simplest pricing in the industry.  A single rate for prime and one for sub-prime customers.  Cherry and other providers offer low rates for certain plans but their most popular 0% APR plans come with exceedingly high merchant fees which can cut deeply into a practice’s profits.