From brakes and tires to a full transmission, finance $200 to $5,000 of auto repair with a fixed monthly payment. Get back on the road today — checking your options takes seconds and won't touch your credit score.
Car trouble never picks a convenient moment. A failed transmission, a dead alternator, or a set of tires that finally gave out can land a four-figure quote on a day you weren't expecting it — and for most people, a vehicle isn't optional. It's how you get to work, school, and everywhere in between.
Sunbit started in auto service, so financing repairs is exactly what it was built for. Instead of putting the bill on a high-interest card or delaying a fix that only gets worse, you can approve the work at the service desk and split the cost into a fixed monthly payment — and drive away the same day.
Unlike a planned purchase, most repairs aren't a choice you can postpone for long. Driving on worn brakes or a failing timing belt isn't just risky — it usually turns a moderate bill into a far bigger one once the damage spreads. The cost of waiting is real, and it tends to climb fast.
That's where paying over time changes the math. Rather than emptying your emergency fund or skipping the repair until payday, you keep your cash on hand and spread the expense across a few months. For households running on a tight budget, that flexibility can be the difference between a safe car today and a much larger problem next month. And because the payment is fixed from the start, you always know exactly what you owe and when the plan ends — no surprises, no growing balance, and no guessing how long the debt will follow you.
From routine maintenance to major repairs, Sunbit covers a wide range of services at participating shops and dealerships.
Pads, rotors, and full brake jobs — safety work that's never worth putting off.
A full set of tires, alignment, and balancing — spread the cost instead of paying all at once.
Repairs and rebuilds — one of the priciest jobs, and where financing makes the biggest difference.
Alternators, batteries, starters, and engine work — the repairs that leave you stranded if ignored.
Dents, panels, and post-accident repairs — restore your car without a painful upfront bill.
Major dealership maintenance and diagnostics — keep up with service without straining your budget.
Repair prices swing with your vehicle, your location, and the shop — but these ranges give a realistic sense of what a typical bill looks like. Most repairs fall comfortably inside Sunbit's $200–$5,000 range.
Rather than paying the whole amount when you pick up your car, you can split it into a monthly payment over 3 to 72 months and pick the term that keeps your budget intact.
| Brake job | $300–$800 |
| New tires (set) | $500–$1,200 |
| Alternator | $500–$1,000 |
| Timing belt | $500–$1,500 |
| Transmission | $1,800–$3,500 |
| Term | Monthly | Total* |
|---|---|---|
| 12 mo | $202 | $2,424 |
| 24 mo | $110 | $2,640 |
| 36 mo | $80 | $2,880 |
| 48 mo | $65 | $3,120 |
*Illustrative at a sample APR. Your real terms depend on your offer (APR 0%–35.99%).
Here's how a typical transmission or major repair might break down across common terms. A longer term lowers the monthly payment but adds interest overall; a shorter term costs a bit more each month and less in the end.
With no prepayment penalties, you can pay ahead whenever cash allows to shrink the total. If a good month comes along, putting extra toward the balance shortens the plan with no penalty. Run your own numbers with the calculator to see what fits.
Try the payment calculator →The whole thing happens at the service desk in about a minute — no online application needed.
Tell the shop or dealership you'd like to pay over time. Many already offer Sunbit.
Scan the back of your driver's license — no long forms and no paperwork.
A soft credit check runs in the background and your plan options appear in ~30 seconds.
Pick a payment, sign on the tablet, and get your car back the same day.
Reaching for a credit card at the shop is easy, but the structure works against you — a revolving balance, a variable APR, and minimum payments that can stretch a single repair across years of interest. A fixed Sunbit plan does the opposite.
You agree to a set monthly payment with a clear end date, no late fees, and no prepayment penalties. The payment you choose is the payment you make — and paying ahead only saves you interest.
Compare Sunbit vs. a credit card →| Sunbit | Credit card | |
|---|---|---|
| Payment | Fixed | Revolving |
| End date | Set term | Open-ended |
| Late fees | None | Often $30+ |
| Decision time | ~30s | Varies |
What drivers most often ask before paying for repairs over time.
Yes. Major repairs like a transmission rebuild or engine work are common reasons people finance, since they're often the most expensive jobs. As long as the total falls within Sunbit's $200–$5,000 range and your shop is a participating provider, you can split it into a monthly payment.
Yes — Sunbit is offered at the point of service, so the shop or dealership needs to be a participating provider. Many auto shops and dealer service departments already offer it, since Sunbit got its start in the auto industry. Just ask the service desk whether they accept it.
Often, yes. Sunbit doesn't publish a minimum credit score and weighs income and other factors alongside credit, which is why roughly 90% of applicants receive an offer. Checking your options uses a soft credit pull, so finding out what you qualify for won't affect your score.
Usually the same day. Because the decision comes back in about 30 seconds and you sign on the spot, the shop can begin work right away rather than waiting on a separate financing process. For many drivers, that means approving the repair and driving home the same visit.
There are no application fees, no late fees, and no prepayment penalties. The only cost is interest (APR) on non-promotional plans, ranging from 0% to 35.99% depending on your approval. Paying off your repair balance early reduces the total interest you owe.
Ask your shop or dealership about Sunbit and pay over time for brakes, tires, transmissions, and more. Checking your options takes about 30 seconds and never affects your credit score.
No application fees · No late fees · No prepayment penalties