Sunbit
How does Sunbit work when I'm at a store?
If the store accepts Sunbit, you just scan a QR code or enter a code from the register into the app. It pulls up the total, you apply for a payment plan in under a minute, and then show the cashier a barcode on your phone to complete the purchase.
Can I use Sunbit for planned purchases, like a dentist visit?
Yes, absolutely. You can check the app's store locator beforehand to see if a business is partnered with Sunbit, then use it at checkout just like an unplanned purchase. It works the same way whether it's an emergency or something you scheduled.
What happens if I miss a payment or my card declines?
Sunbit sends you a reminder before each payment is due, which helps avoid missed payments. If a payment does fail, you'll likely be charged a late fee, and the app will prompt you to update your payment method to keep the plan on track.
Why did my Sunbit application get declined even though I have good credit?
Approval depends on the specific store's partnership terms and your financial profile at that moment, not just your credit score. It's a good idea to check that the store is actively listed in the app and that you've entered all your details correctly before trying again.
How does Sunbit compare to using a credit card with a 0% APR offer?
Sunbit is faster to set up at the register and doesn't require carrying a physical card, but it can charge interest or fees if you don't pay within the promotional period. A 0% APR credit card gives you more time interest-free, but you need to have the card already and may need better credit to qualify.
