From crowns and implants to braces and emergency work, finance $200 to $5,000 of dental care with a fixed monthly payment. Checking your options takes seconds and won't touch your credit score.
Dental care has a way of arriving all at once — a cracked tooth, a root canal your dentist says can't wait, or an implant that insurance only partly covers. When the bill lands in the thousands, it's tempting to delay treatment, and delaying dental problems usually makes them bigger and more expensive.
Sunbit lets you say yes at the front desk and pay over time instead. Rather than a credit card balance that lingers or a payment plan that requires perfect credit, you get a fixed monthly payment you choose on the spot — so you can get treated now and budget for it comfortably.
Most dental insurance plans come with an annual maximum — often somewhere around $1,000 to $2,000 a year. That sounds reasonable until a single crown, root canal, or implant eats through it, leaving the rest of your treatment to come out of pocket. Major and cosmetic procedures are frequently covered at a lower percentage, or not at all, which is exactly where financing earns its place.
Sunbit slots neatly into that gap. Your insurance pays its portion at the office, and you can finance whatever remains rather than postponing the work or draining your savings in one go. For families juggling several treatments, or anyone whose plan resets each year, spreading the out-of-pocket share across a few months can be the difference between getting care now and putting it off until the problem worsens.
From routine care to major procedures, Sunbit covers a wide range of treatments at participating dental offices.
Restorative work to repair damaged or decayed teeth, from a single filling to a full crown.
Single or multiple tooth implants — a high-cost procedure where paying over time makes a real difference.
Orthodontic treatment for kids and adults, including clear aligners, often spread over the longest terms.
Urgent endodontic care that usually can't wait — get treated the same day and pay it off on your terms.
Veneers, whitening, and smile makeovers — elective treatments insurance rarely covers.
Wisdom teeth, broken teeth, and unexpected pain — get relief without an upfront lump sum.
Dental prices vary by region, your dentist, and whether insurance picks up a share — but these ranges give a realistic sense of what you might face out of pocket. Many of these procedures land squarely in Sunbit's $200–$5,000 range.
Instead of paying the full amount on treatment day, you can split it into a monthly payment over 3 to 72 months and choose the term that fits your budget.
| Filling | $150–$450 |
| Crown | $1,000–$2,500 |
| Root canal | $700–$1,800 |
| Implant (single) | $3,000–$5,000 |
| Braces / aligners | $3,000–$7,000 |
| Term | Monthly | Total* |
|---|---|---|
| 12 mo | $220 | $2,640 |
| 24 mo | $120 | $2,880 |
| 36 mo | $87 | $3,132 |
| 48 mo | $71 | $3,408 |
*Illustrative at a sample APR. Your real terms depend on your offer (APR 0%–35.99%).
Here's how a typical crown might break down across common terms. A longer term means a smaller monthly payment but more interest overall; a shorter term costs a little more each month and less in the end.
Because there are no prepayment penalties, you can always pay ahead to bring the total down. If your budget eases up partway through — a tax refund, a bonus, a month with fewer bills — putting extra toward the balance shortens the plan and trims the interest with no penalty. Run your own numbers with the calculator to see what fits.
Try the payment calculator →The whole thing happens at the front desk in about a minute — no online application needed.
Tell the front desk you'd like to pay over time. Many dental offices 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 move forward with your treatment the same visit.
Many dental offices push a healthcare credit card, often with a deferred-interest promotion. The catch: if you don't clear the full balance before the promo ends, interest is charged retroactively from day one — a costly surprise that's easy to miss in the fine print, especially on a large treatment plan you expected to pay down gradually.
Sunbit works differently. It's a fixed installment plan with no deferred-interest trap, no late fees, and no prepayment penalties — so the payment you agree to is the payment you make.
Compare Sunbit vs. CareCredit →| Sunbit | Dental card | |
|---|---|---|
| Deferred interest | No | Common |
| Payment | Fixed | Revolving |
| Late fees | None | Yes |
| Decision time | ~30s | Varies |
What patients most often ask before financing treatment.
Yes. Orthodontic treatment is one of the most common uses for dental financing because the cost is high and often not fully covered by insurance. Braces and clear aligners typically run $3,000–$7,000, and Sunbit's longer terms (up to 72 months) can bring that down to a manageable monthly payment.
Yes — Sunbit is offered at the point of service, so your dental office needs to be a participating provider. Many do, especially larger practices and specialty clinics. The simplest step is to ask the front desk whether they offer Sunbit before your appointment.
Often, yes. Sunbit doesn't publish a minimum credit score and looks beyond your FICO number at income and other factors, which is why roughly 90% of applicants receive an offer. Checking your options uses a soft credit pull, so it won't hurt your score to find out what you qualify for.
Yes. Insurance and Sunbit work fine together — insurance pays its share first, and you can finance the remaining out-of-pocket balance. That's especially useful for major procedures like crowns or implants, where insurance often covers only a portion of the cost.
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 dental balance early reduces the total interest you owe.
Ask your dental office about Sunbit and pay over time for crowns, implants, braces, and more. Checking your options takes about 30 seconds and never affects your credit score.
No application fees · No late fees · No prepayment penalties