From exams and glasses to contacts and vision procedures, finance $200 to $5,000 of eye care with a fixed monthly payment. Checking your options takes seconds and won't touch your credit score.
A new prescription, a pair of quality frames, and lens upgrades can add up faster than you'd expect — and vision plans often cover only a fraction. For procedures like LASIK, the full cost usually lands on you. It's easy to keep squinting through an old prescription rather than face the bill all at once.
Sunbit makes it simpler to say yes at the optical counter. Instead of compromising on the glasses you need or postponing a procedure, you can spread the cost into a fixed monthly payment — so you can walk out seeing clearly and pay at a pace that fits your budget.
Most vision plans offer a modest allowance — often just enough for a basic exam and a starter pair of frames. Once you add anti-glare coatings, progressive lenses, or designer frames, you're paying the difference yourself. And elective procedures like LASIK are rarely covered at all, leaving a multi-thousand-dollar cost entirely out of pocket.
That's where paying over time helps. Rather than settling for less or delaying the care you want, you can finance the out-of-pocket portion at the optical center or eye clinic and spread it across a few months. For families buying multiple pairs, or anyone considering a vision procedure, that flexibility makes good eye care far more reachable. And because the payment is fixed with a clear end date, you can choose the lenses or procedure you actually want without stretching a credit card balance across years of interest.
From everyday vision needs to procedures, Sunbit covers a wide range of care at participating eye care centers.
Comprehensive exams and vision tests — the starting point for the right prescription.
Designer frames, progressive lenses, and coatings — the upgrades vision plans rarely cover.
A year's supply, specialty lenses, and fittings — spread the cost instead of paying upfront.
Laser vision correction and elective procedures — high-cost care that's rarely covered.
Treatment for conditions and follow-up care that go beyond a routine exam.
Exams and glasses for the whole family — outfit multiple kids without one big bill.
Prices vary by provider, your prescription, and the options you choose — but these ranges give a realistic sense of what you might pay out of pocket. Most eye care falls comfortably within Sunbit's $200–$5,000 range.
Instead of paying the full amount at the counter, you can split it into a monthly payment over 3 to 72 months and choose the term that keeps your budget comfortable.
| Eye exam | $100–$250 |
| Glasses (frames + lenses) | $200–$800 |
| Annual contacts supply | $200–$700 |
| Specialty lenses | $400–$1,000 |
| LASIK (both eyes) | $3,000–$5,000 |
| Term | Monthly | Total* |
|---|---|---|
| 12 mo | $352 | $4,224 |
| 24 mo | $192 | $4,608 |
| 36 mo | $139 | $5,004 |
| 48 mo | $113 | $5,424 |
*Illustrative at a sample APR. Your real terms depend on your offer (APR 0%–35.99%).
Here's how a vision procedure 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 you're able to bring the total down. 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 counter in about a minute — no online application needed.
Tell the optical center or eye clinic 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 glasses or care the same visit.
Putting glasses or a procedure on a credit card is easy, but the structure works against you — a revolving balance, a variable APR, and minimum payments that can stretch the cost 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 patients most often ask before paying for vision care over time.
Yes. LASIK and other elective vision procedures are common reasons people finance eye care, since they're rarely covered by insurance and the cost is high. As long as the total is within Sunbit's $200–$5,000 range and the provider is a participating clinic, you can split it into a monthly payment.
Yes — Sunbit is offered at the point of service, so the optical center or eye clinic needs to be a participating provider. Many do, including larger optical retailers and vision practices. Just ask the front desk whether they offer Sunbit before you check out.
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. Vision insurance and Sunbit work fine together — your plan applies its allowance first, and you can finance the remaining out-of-pocket balance. That's especially useful for premium frames, lens upgrades, or procedures that go beyond what your plan covers.
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 balance early reduces the total interest you owe.
Ask your eye care provider about Sunbit and pay over time for exams, glasses, contacts, and procedures. Checking your options takes about 30 seconds and never affects your credit score.
No application fees · No late fees · No prepayment penalties