Sunbit technology allows you to pay for your purchase over time choosing from a 3, 6, or 12-month loan option instead of all once.

Sunbit technology enables merchants to provide access to fast, fair, easy financing available to consumers across the credit spectrum. While credit is subject to approval by the lender, approval rates are high, likely among the highest in the industry.

All consumers must apply through a participating merchant. Our fast and easy application process can be done in-store with an associate, through a link provided by email from a merchant, and while shopping online through an eCommerce checkout process. We encourage you to use our merchant locator to find a participating merchant near you and pre-qualify before you visit.

Yes, a lender reports all your payments to the consumer reporting agency. All payments are reported including those in good standing or past due.

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, 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.

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

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.