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.

Sunbit has among the highest approval rates in the industry—more than double the industry average, approving 87% of patients who apply. Even if a patient isn’t approved, the process is discreet, and there’s no impact on their credit score to apply. Our goal is to provide a solution that works for as many people as possible, ensuring your patients can access the care they need without financial stress.

Practices receive funds promptly in-full after a patient completes a transaction, ensuring immediate cash flow without delays. 

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.

Every Sunbit practice gets hands-on 1:1 onboarding training, a dedicated Sunbit representative, and 24/7 access to a US-based support team by phone, chat, or email. Practices also get on-demand training resources and access to the Sunbeast community, which includes weekly training webinars and cash rewards for top-performing teams.

Both. Patients can apply directly at your front desk using the Sunbit iPad in seconds, or apply from their own phone before or during their appointment. Both practice-led and patient-led workflows are fully supported, giving your team flexibility based on each patient’s preference.

Sunbit approves 87% of patients who apply, compared to roughly 40% for traditional lenders like CareCredit. There is no hard credit check, no deferred-interest penalties if a patient pays late, and practice fees start as low as 1.9% — significantly lower than the 10%+ commonly seen with traditional lenders. Sunbit also approves patients with credit scores starting at 500, making financing accessible to a much broader range of patients.

Practice fees with Sunbit start as low as 1.9% per transaction — among the lowest in the industry. Pricing automatically improves as your practice’s Sunbit usage grows, and there are no setup costs, monthly fees, or contract minimums.

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.