Pay-over-time financing that approves 90% of customers in 30 seconds with no hard credit check. Customers get manageable monthly payments. Your shop gets paid in full immediately. No risk, no collections, no hassle.
Sunbit approves 9 out of 10 applicants. Customers with thin credit files or lower scores can still get financed.
Sunbit uses a soft credit inquiry for approval. No impact on the customer's credit score during the application process.
Customer enters their name, date of birth, last four of SSN, and phone number. Approval comes back in under 30 seconds.
Finance repair bills from $60 to $10,000. Covers everything from a basic oil change to a full engine replacement.
Sunbit pays your shop the full invoice amount within 1-2 business days. You carry zero credit risk.
Customer applies on your shop tablet, their own phone, or through the BayOS customer portal. No paper forms.
Customer enters basic info on a tablet at the counter or their phone. Name, DOB, last four of SSN, and phone number. Takes 30 seconds.
Sunbit runs a soft credit check and returns an approval with available amount, terms, and monthly payment options in under 30 seconds.
Customer selects their preferred terms, confirms the plan, and your shop receives the full invoice amount within 1-2 business days.
Connect Sunbit to BayOS and start approving customers for financing in minutes.
Go to Settings > Integrations and enter your Sunbit Dealer ID and API Key. These link your Sunbit merchant account to BayOS.
Toggle Sunbit financing on the customer-facing invoice page and customer portal. Customers see a 'Pay Over Time' option alongside standard payment methods.
Set up a tablet or iPad at the service counter running the BayOS customer-facing view. Advisors can hand it to customers for the Sunbit application.
Sunbit Application -- Approved
Approved
You are approved for up to $5,000 in financing
Repair Total
$1,847.00
Shop
Precision Auto Care
Select your payment plan:
6 Months
0% APR promotional rate
$307.83
/month
12 Months
9.99% APR
$162.26
/month
24 Months
9.99% APR
$85.39
/month
Your shop receives $1,847.00 in full within 1-2 business days
With 90% approval rates, Sunbit helps you convert price-sensitive customers into approved repairs. See how it works in a live demo.