Accepted Financing Provider
Use Sunbit to pay for your dental treatment over time in fixed monthly payments, with a quick application and no hard credit check.
* Subject to approval. Sunbit is a financial technology company, not a bank or lender; financing is through Sunbit's lending partners. APR 0%–35.99%; see terms for details.
APR Range
0%–35.99%0% APR options for those who qualify
Amount
$35–$65,000Financing for treatments large and small
Terms
1–60 monthsFixed monthly payments
Approval
~90% approvedNo hard credit check to apply
Check your options: Applying takes under a minute and does not affect your credit score
Subject to approval. Terms and rates depend on the amount financed and the plan you choose.
Verify your Sunbit benefits online →Using Sunbit at 360 Dental Lounge is quick and simple. You apply online using a link for our office, and the application takes under a minute with no hard credit check, so checking your options does not affect your credit score. About 90 percent of applicants are approved. Once approved, you choose a payment plan that fits your budget and pay in fixed monthly installments. Everyone who is approved gets a zero-interest Pay-in-4 offer, and qualifying patients can access 0% APR or rates as low as 5.99% on longer plans. Sunbit is a financial technology company, not a bank or lender, and financing is provided through Sunbit's lending partners. There are no hidden fees such as deferred, retroactive, or compounding interest. It's a convenient way to fit the cost of treatment, including anything your insurance doesn't cover, into a monthly payment you can manage.
Sunbit is a financing option, not dental insurance, so a few things are worth knowing. Applying takes under a minute and does not affect your credit score, though approval and your specific terms are not guaranteed and depend on factors like your financial history, credit score, and income. Financing options through Sunbit range from 0% to 35.99% APR, with terms from 1 to 60 months and amounts from $35 to $65,000; your rate and monthly payment depend on the amount financed and the plan you choose. Sunbit is a financial technology company rather than a bank or lender, and when you use Sunbit you'll be subject to Sunbit's terms and privacy policy, which differ from the 360 Dental Lounge privacy policy. Our team is happy to walk you through the options and give you a written treatment estimate so you know the amount to finance before you apply.
These are illustrative estimates only; your actual rate, term, and monthly payment depend on the amount financed, the plan you choose, and your approval. Exact treatment fees are determined after your examination, and a personalized payment plan is provided at your consultation.
Apply online using a link for our office; it takes under a minute and does not affect your credit score, since there's no hard credit check. Many applicants receive an instant decision, and about 90 percent are approved. If approved, you can use Sunbit toward eligible treatment right away, and our team is happy to help you through the steps at the office. Call (682) 888-0488 and we'll walk you through it.
Financing options through Sunbit range from 0% to 35.99% APR, with terms from 1 to 60 months and amounts from $35 to $65,000. Everyone who is approved gets a zero-interest Pay-in-4 offer, and qualifying patients can access 0% APR or rates as low as 5.99% on longer plans. Your exact rate and payment depend on the amount financed and the plan you choose. There are no hidden fees such as deferred, retroactive, or compounding interest.
No. Checking whether you're approved with Sunbit uses no hard credit check, so it does not affect your credit score, and decisions are often instant. Approval and your specific terms depend on factors like your financial history, credit score, and income, and are not guaranteed. Call (682) 888-0488 to get started.
After you're approved, you choose a payment plan that fits your budget and pay in fixed monthly installments. Sunbit is a financial technology company, not a bank or lender; financing is provided through Sunbit's lending partners, and Sunbit handles repayment directly with you. Plans range from $35 to $65,000 over 1 to 60 months. We'll give you a written treatment estimate so you know the amount to finance before you apply. Call (682) 888-0488 for a personalized estimate.
Yes, that's one of the most common ways patients use it. Sunbit is a convenient way to fit expenses not covered by insurance into your budget. If your insurance doesn't fully cover a recommended treatment, you can finance the remaining balance over time. Many patients use their insurance benefits first and finance only the remaining portion. Call (682) 888-0488 and we'll help you plan it.
No hard credit check is required to see whether you're approved, and Sunbit has no hidden fees such as deferred, retroactive, or compounding interest. Your APR can be as low as 0% depending on the plan and your approval, up to a maximum of 35.99%. Review the terms shown to you before you accept a plan. Call (682) 888-0488 if you have questions.
360 Dental Lounge offers several ways to make treatment affordable, including financing through Sunbit and CareCredit, plus our own in-house membership plan for patients without insurance. We provide a clear written estimate before your treatment so you know exactly what your cost will be and which payment option fits best. If you're unsure which option is right for you, call (682) 888-0488 and we'll walk you through them.
To get the most from financing, ask us for a full treatment estimate up front so you finance the right amount, and choose a plan with a monthly payment you're comfortable with. If you have dental insurance, use your benefits first and finance only the remaining balance, which keeps the amount you borrow as low as possible. If you qualify for a 0% APR plan, paying it off within the plan term helps you avoid interest. Call (682) 888-0488 and our team will help you plan it.
Yes. In addition to Sunbit, we also offer financing through CareCredit, and we have an in-house membership plan for patients without insurance that bundles preventive exams, cleanings, and X-rays at a discounted annual fee, plus reduced rates on restorative and cosmetic treatments. Not sure which option is right for you? Our team can help you compare plans during your visit.
