High-approval point-of-sale financing built for in-person service businesses
Sunbit is a high-approval, soft-pull POS lender with genuine med-spa traction and native Aesthetic Record and Zenoti integrations, best for practices willing to pay a higher merchant fee in exchange for converting more patients.
Sunbit is a point-of-sale financing platform that lets patients split the cost of treatments into monthly payments through a fast, soft-pull application taken at the front desk or on a patient's phone. Originally built for in-person service businesses like auto repair, dental, optical, and veterinary care, Sunbit has expanded into healthcare and aesthetics, where its high approval rate and instant decisioning make it a practical way to convert hesitant consultations into booked treatments. Installment loans are originated by TAB Bank, and the platform is designed to serve a wide credit spectrum, from prime to subprime, rather than only the most creditworthy applicants.
For a med spa, the appeal is twofold: roughly 90% of applicants are approved in about 30 seconds, and the practice is paid in full up front, so the lending risk sits with the bank rather than the clinic. That patient-friendly, high-acceptance posture is balanced by a merchant cost that is higher than most pure installment competitors, with third-party-sourced fees commonly cited in the 5% to 9% per-transaction range and no monthly subscription. Sunbit is best understood as a horizontal POS lender gaining real traction in aesthetics, with native integrations into med-spa tooling that make it easier to adopt than most general-purpose financing providers.
Ideal customer
Med spas and aesthetic practices that want to approve a broad range of patients for elective treatments, get paid in full up front, and are willing to absorb a higher merchant fee in exchange for high approval rates.
Sunbit is a point-of-sale lender whose biggest selling point for a med spa is conversion. With an approval rate around 90% and a soft credit check that does not ding the patient to apply, it turns price-sensitive consultations into booked treatments far more often than financing tools that only approve prime borrowers. Decisions land in roughly 30 seconds, and the practice is paid in full up front, so the lending risk sits with the originating bank, TAB Bank, rather than the clinic. Loan amounts run from $50 to $20,000 across terms of 3 to 72 months, which comfortably covers everything from a single neurotoxin session to a multi-treatment package.
It is worth being clear about what Sunbit is: a horizontal POS lender built for in-person service businesses, from auto repair to dental to optical, that is now expanding meaningfully into aesthetics. That breadth is a strength for reliability and scale, but aesthetics is one vertical among several rather than its singular focus.
On trust signals, Sunbit is BBB-accredited with an A+ rating (since 2020) and carries a Trustpilot score around 4.0 across roughly 3,600 reviews, a solid independent signal for a consumer lender at this scale.
Choose Sunbit if your priority is approving as many patients as possible and getting paid up front, and you are comfortable trading a higher merchant fee for that approval rate. Its native Aesthetic Record and Zenoti integrations make it one of the easier financing options to adopt for practices already on those platforms. Run your own numbers on the per-transaction fee against your average ticket before committing, and confirm whether 0% offers are available at your location.
By Med Spa Vendor Hub Editorial Team. Last reviewed June 29, 2026. Independent editorial review — how we score.
No monthly or subscription fee. The practice is paid in full up front, with a per-transaction merchant fee commonly reported in the ~5%-9% range (third-party-sourced; varies by merchant, volume, and plan). Patient APR ranges from 0% to 35.99%, though 0% is not offered at all merchants. Loan amounts span $50 to $20,000 with terms of 3 to 72 months. Confirm exact merchant economics directly with Sunbit.
Per-transaction pricing
~5%-9% per transaction
per transaction
Merchant fee deducted per financed transaction with no monthly fee; practice receives instant payouts. Exact rate varies by merchant profile and plan.
Pricing is researched from public sources and verified periodically; confirm current rates with the vendor.
Independent ratings from third-party review platforms, cited with sources. These are not our score.
A vendor-neutral guide to choosing patient financing for a med spa—covering why financing drives conversion, the six provider models, the deferred-interest trap, merchant economics, and how to match a provider to your patients.
Patient financing has no subscription - the practice pays a merchant discount fee (a % of each financed sale) and the patient pays APR or deferred interest. Here's a transparent 2026 breakdown of real merchant fees and patient rates by lender.
Patient FinancingAffirm is a large general-purpose buy-now-pay-later and installment lender that pays merchants up front and assumes default risk, used by some med spas through Zenoti and Stripe-based POS rather than built for aesthetics.
Patient FinancingAfterpay, owned by Block (Square), is a mainstream buy-now-pay-later provider offering interest-free Pay-in-4 on smaller purchases. Some beauty businesses and med spas use it for retail and lower-ticket services, but it is not a healthcare-built financing product for higher-ticket aesthetic procedures.
Patient FinancingAlphaeon Credit is a purpose-built healthcare credit card for aesthetic, cosmetic, dermatology, and plastic surgery practices, offering deep aesthetics fit but carrying a deferred-interest model and strongly negative consumer sentiment.
