- Amounts: $50 to $20,000. Terms: 3 to 72 months.
- Your cost: Not published.
- Paid: Not published.
- Read on Sunbit's own pages, October 9, 2026.
What Sunbit is
Sunbit is a customer financing provider. It is built for dental, eye care, pet care, healthcare and auto service businesses; home services are not among the industries it lists.
- Sunbit loans run from $50 to $20,000 over 3 to 72 months, at 0% to 35.99% APR depending on credit and state rules.
- A payment is due at checkout, and the largest amounts and longest terms are not available at every merchant.
- Sunbit says there are no late fees, origination fees, penalty fees or penalty APRs.
- Its merchant pages are built for dental care, eye care, pet care, healthcare and auto service.
- Stripe lists Sunbit among the buy now, pay later methods it supports.
How it works for a contractor
A merchant offers Sunbit at checkout, in store, online or on the go. The customer applies, sees their plan and makes the first payment at checkout.
Sunbit's merchant program is sold through a demo request, and its pages focus on dental, eye, pet, health and auto service businesses.
What it costs you and your customer
The same seven columns for Sunbit and for financing on Koira's pay page, from each one's own pages.
| How the customer pays | Amounts | Terms | Customer APR | Your cost per job | When you are paid | Setup | |
|---|---|---|---|---|---|---|---|
| Koira pay page | Affirm or Klarna, chosen by the customer on Koira's pay page | Invoices from $50 to $30,000 | Set by Affirm or Klarna | Set by Affirm or Klarna; the customer sees it when they apply | Stripe's rate (Affirm 6% + 30¢, Klarna 5.99% + 30¢) plus Koira's 2%, 1% or 0.5% by plan | Into your own Stripe account, like a card payment | Nothing to apply for; it is part of the pay page on every plan |
| Sunbit | Pay over time loans at checkout, plus a Sunbit credit card | $50 to $20,000 | 3 to 72 months | 0% to 35.99%, by credit and state | Not published | Not published | Request a demo to become a merchant |
From Sunbit rates and terms and Stripe pricing for buy now, pay later, each read on its own site on October 9, 2026. "Not published" means the provider does not list it on its public pages, so ask. Rates and terms change and depend on the customer's credit.
Who Sunbit fits
- Smaller tickets, from $50, where a quick decision at checkout helps
- Auto service and other counter businesses
- Businesses that take payments through Stripe and want Sunbit as one option
What to ask before you sign up
- Home services are not among the industries Sunbit lists; ask whether your trade qualifies
- A payment is due at checkout, which some customers will not expect
- The merchant fee is not published
Financing on Koira's pay page
Koira's pay page offers Affirm or Klarna on invoices from $50 to $30,000, on every plan. The customer chooses to pay over time on the same page where they would pay by card, applies on their own phone, and the lender decides approval and terms. You never run credit or fill in a lender form.
What you pay is Stripe's published rate for the method the customer picks, Affirm 6% + 30¢ or Klarna 5.99% + 30¢, plus Koira's share of 2% on Office, 1% on Grow or 0.5% on Front Office. For jobs above $30,000, or if you want a dedicated home improvement lender, a provider like Sunbit can sit next to it.
Sources, each read on the provider's own site on October 9, 2026: Sunbit rates and terms, Sunbit merchant benefits, Stripe buy now, pay later methods, Stripe pricing for buy now, pay later, Stripe pricing, and Koira pricing. We read each page's own text; we did not use summaries or third-party lists.