Financing · Embedded Point-of-Sale Financing
Sunbit Review
Pay-over-time plans for in-person service businesses, lent by TAB Bank
Quick verdict
Who Sunbit fits: Repair and service work (HVAC service calls, plumbing, electrical, pool and appliance repair) with tickets under $20,000, especially businesses already taking payments through Stripe. Trade-offs: Direct merchant fee not published (6% + 30 cents via Stripe); $20,000 ceiling; APRs up to 35.99%; short plan terms outside dental care; home services is one of many verticals.
Fees & terms
Point-of-sale installment plans for in-person service businesses, including home services. Loans are made by TAB Bank: $50-$20,000 over 3-72 months at 0%-35.99% APR, with lower caps in some states. Sunbit does not publish its direct merchant fee; through Stripe, Sunbit is priced at 6% + 30 cents per successful charge. The business is paid up front.
- Cost to contractor
- Direct merchant fee not published by Sunbit. Through Stripe: 6% + 30 cents per successful Sunbit charge.
- Customer APR
- 0%-35.99% APR; lower caps in some states, and 0% plans are not available at all merchants
- Loan size
- $50-$20,000; terms 3-72 months (largest amounts and longest terms not available at all merchants)
Affiliate disclosure: The link to Sunbit on this page goes to its own site and is not an affiliate link.
About Sunbit
Sunbit offers pay-over-time plans at the point of sale for in-person service businesses. Sunbit says it was founded in 2016 and is available at more than 30,000 locations; its home services line sits alongside automotive, dental, eyewear, veterinary and other verticals. The loans are made by Transportation Alliance Bank (TAB Bank); Sunbit's disclosures state that Sunbit Now, LLC is not the lender.
Sunbit's disclosures cover loans of $50-$20,000 over 3-72 months at 0%-35.99% APR, with lower caps in several states. A payment is due at checkout, and Sunbit says it charges customers no application, origination, prepayment or late fees. Checking eligibility is a soft credit inquiry, and Sunbit says 90% of people are approved. 0% plans, the largest amounts and the longest terms are not available at every merchant; its how-it-works page shows 3, 6 or 12-month plans, with longer terms for dental care.
Contractors can offer Sunbit directly or through software. In 2026 Sunbit became generally available nationwide in the Stripe Dashboard for in-person service businesses, where customers choose 3, 6, 12 or 18-month plans on transactions from $60 to $19,999.99, and Workiz lists Sunbit as one of its consumer financing providers. Sunbit says it takes the repayment and fraud risk, and the business is paid up front.
The trade-off: Sunbit does not publish its direct merchant fee, and the one published price, 6% + 30 cents per charge through Stripe, is higher than some flat-fee alternatives. The $20,000 ceiling rules it out for large remodels and roofs, and customer APRs can reach 35.99%, so it fits repair and service tickets better than big projects.
How it works
At checkout the customer applies with a soft credit inquiry, picks a monthly plan and makes a payment due at checkout. TAB Bank makes the loan, the business is paid up front, and Sunbit collects the monthly payments. Through Stripe, the customer is redirected to Sunbit to choose a 3, 6, 12 or 18-month plan; Sunbit says funds are sent immediately and can take 2-5 business days to reach the bank account.
Pros & cons
What works
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Soft credit check
Checking eligibility is a soft inquiry that does not affect the customer's credit score, and Sunbit says 90% of people are approved.
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Paid up front
The business is paid up front; Sunbit says it takes the repayment and fraud risk.
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Covers small tickets
Loans start at $50 ($60 through Stripe), which suits repair and service calls.
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No customer penalty fees
Sunbit says customers pay no application, origination, prepayment or late fees.
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Available in Stripe and Workiz
Sunbit is generally available in the Stripe Dashboard, and Workiz lists it as a consumer financing provider.
What doesn't
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Merchant fee not published
Sunbit does not publish its direct merchant fee; through Stripe it costs 6% + 30 cents per successful charge.
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$20,000 ceiling
Loans top out at $20,000, and the largest amounts are not available at every merchant, so it does not fit large remodels or roofs.
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APRs up to 35.99%
Customers who do not get a 0% plan can pay up to 35.99% APR, less in some states.
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Short plans outside dental care
Terms reach 72 months in the disclosures, but Sunbit shows 3, 6 or 12-month plans outside dental care, and Stripe offers 3-18 months.
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Not home-improvement specific
Home services is one of many Sunbit verticals, alongside automotive, dental and eyewear.
Features & integrations
Key features
Integrations
Frequently asked
What kind of jobs is Sunbit best for?
Smaller in-person service jobs such as HVAC service calls, plumbing, electrical and appliance repair. Sunbit's disclosures cover loans of $50-$20,000, so it does not fit large remodels or roofs.
How much does Sunbit cost a contractor?
Sunbit does not publish its direct merchant fee, so ask for it in writing. If you take Sunbit through Stripe, Stripe prices it at 6% + 30 cents per successful charge. Either way the business is paid up front.
Does applying for Sunbit hurt my customer's credit?
No. Sunbit says checking eligibility is a soft credit inquiry that does not affect the customer's credit score. Loans are made by TAB Bank at 0%-35.99% APR, with lower caps in some states, and 0% plans are not available at all merchants.
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