HFD vs Sunbit: Patient Financing Compared

HFD and Sunbit both offer payment plans at participating providers and use a soft credit check to show offers. HFD's dental program lists up to $35,000 over up to 84 months and a 99%+ approval rate. Sunbit lists $50 to $20,000 over 3 to 72 months at 0% to 35.99% APR, and its loans are made by TAB Bank.

Key facts

HFD's dental program lists up to $35,000 and terms up to 84 months.
Sunbit lists loans of $50 to $20,000 over 3 to 72 months.
Sunbit lists APRs from 0% to 35.99%.
Sunbit's dental page says it approves 87% of patients, with scores starting at 500.
HFD reports approving more than 99% of applicants.

HFD vs Sunbit side by side

HFD covers larger amounts over longer terms, while Sunbit starts at smaller amounts.

	HFD	Sunbit
Amount	Up to $35,000 (dental program)	$50 to $20,000
Term	Up to 84 months (dental program)	3 to 72 months
APR	0% options for every credit tier, per HFD	0% to 35.99%
No-interest plans	0% options available	Up to 24 months (dental)
Credit check to see offers	Soft only, including at funding	Soft to check eligibility
Published approval	99%+	87% of patients (dental page)
Lender	Bank loan program issued by Hatch Bank	TAB Bank
To apply	SSN or ITIN, email, payment method	18+, email, mobile number, address, bank-issued debit card

Credit reporting differences

Sunbit publishes its credit reporting rules, while HFD doesn't on its patient pages.

Sunbit says accepting a loan may affect your credit because account openings and payments may be reported to a major credit bureau. It also says healthcare loans in California, Connecticut, Maine, Minnesota, New Jersey and New York aren't reported. HFD doesn't state its reporting practice on its patient pages, so ask HFD if building credit matters to you.

Which one fits you?

Your treatment cost and credit decide which option fits better.

HFD suits larger treatments, the longest terms and lower credit scores.
Sunbit suits smaller bills, since loans start at $50, and patients who want a short no-interest plan.

Bottom line

Check whichever your provider offers first, since both show offers with a soft check.

If your provider offers both, compare the APR and total cost of each offer, not just the monthly payment. See also HFD vs CareCredit and HFD vs Cherry.

Common questions

Is HFD or Sunbit easier to get?

HFD reports approving more than 99% of applicants. Sunbit's dental page says it approves 87% of patients.

Which has longer terms, HFD or Sunbit?

HFD's dental program lists terms up to 84 months. Sunbit lists 3 to 72 months.

Does Sunbit do a hard credit check?

Sunbit uses a soft inquiry to check eligibility, but says accepting financing may be reported to a credit bureau.

Who lends Sunbit loans?

Sunbit says its loans are made by Transportation Alliance Bank, doing business as TAB Bank.

HFD vs Sunbit