Revenue Cycle · #12 (tied) of 24

Sunbit🇺🇸

Sunbit offers pay-over-time financing at the front desk with high approval rates, so patients can say yes to treatment while the practice is paid up front.

Editorial score
Pay-over-time financing for dental treatment with high approval rates.
Category rank
#12 (tied) of 24 in Revenue Cycle
Confidence
Medium (60%)
Last reviewed
October 17, 2026

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Pricing

Practice fees from 1.9%

Source: vendor pricing page. We only list prices vendors publish.

Works with

Not confirmed. We haven't found a vendor page naming the specific practice software Sunbit works with. Ask the vendor which systems and versions they support.

Our review

Sunbit provides pay-over-time financing that patients apply for in the office. The practice is paid up front, and the patient repays over time. Its 2026 dental program offers financing terms up to 72 months, no-interest plans up to 24 months and an approval rate the company puts at about 87% to 90%. Practice fees start at 1.9%.

Sunbit serves more than 30,000 merchants across dentistry, auto service, veterinary care and optical. Its high approval rate is the main selling point, which matters for patients who might not qualify for other credit.

Who it's for: practices that want a financing option most patients can qualify for, especially for mid-sized treatment plans.

Watch-outs: "from 1.9%" is the lowest fee; ask what you'll actually pay for longer or no-interest terms. Compare against Cherry and CareCredit for your patient mix. Like other financing tools, it sits outside the PMS ledger.

Our take: 7.4. High approvals make it a useful second financing option.

Sources (2)

Reviewer notes

Expansion draft 2026-10-17; vendor URL verified live. Not public until approved in /admin/editorial. [2026-10-30 evidence-for-all-rubrics rescore, approved by Jason] 7.5 -> 7.5 (payments_memberships rubric, weighted 7.5325). New evidence criterion (15%) added to rubric. Sources: https://www.trustpilot.com/review/sunbit.com, https://www.bbb.org/us/ca/los-angeles/profile/consumer-finance-companies/sunbit-inc-1216-1268871

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