How CareCredit and Sunbit differ for a cosmetic patient
A:It depends on whether you can repay within a promotional period, because CareCredit charges no interest if the promo balance is paid in full within the promo period.1 Sunbit says its patients face no late fees, deferred interest, or penalty APRs.2 On our reading, a patient unsure of an early payoff risks less with Sunbit, and one who clears the promo balance pays no interest with CareCredit. For more about financing options for cosmetic care, see our patient financing evidence.
CareCredit is a reusable credit card, and its cosmetic page lists breast augmentation, liposuction, BOTOX Cosmetic, and dermal fillers among the procedures it pays for at enrolled locations.3 Patients can check whether they prequalify with no impact on their credit score, so they see an offer before committing. CareCredit listed 17.90% APR for 24 months on qualifying purchases of $1,000 or more in 2026, a rate a patient can set against a Sunbit quote.1
Sunbit says it approves patients with credit scores starting at 500. It says approval is based on more than credit score alone, which is why its overall approval rate reaches 87%. Applying needs no hard credit check, so it does not affect credit scores. Sunbit's page for dental practices names cosmetic dentistry among covered treatments.2 On our reading, each plan works only where a practice offers it, so a patient should first ask whether the practice takes CareCredit, Sunbit, or both.
Table 1. CareCredit or Sunbit: practice paid within two business days or at checkout
| CareCredit | Sunbit | |
|---|---|---|
| Form of financing | Reusable credit card | Pay-over-time plan |
| Credit check | No score impact to prequalify | No hard credit check to apply |
| Interest | No interest if paid in full within the promo period | No-interest plans for all approved patients |
| When the practice is paid | Within two business days | In full at patient checkout |
Notice
This article is for informational purposes only. It describes published sources and gives our opinion on what they mean for running a practice. It is not medical or legal advice, it does not create a doctor‑patient or attorney‑client relationship, and it should not be used to make any medical or legal decision. Discuss treatment with a qualified healthcare provider and legal questions with a licensed attorney. What it says about any company, product, or pharmacy comes from the sources cited below, and anything beyond them is our opinion. To report an error, email lazar@fractionalaesthetics.com and we will review it.
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- CareCredit, Cosmetic Surgery Patient Financing, 2026. Vendor-published. https://www.carecredit.com/providers/cosmetic/ Back to where you were ↑
- Sunbit, Easy Patient Financing for Dental Practices, 2026. Vendor-published. https://sunbit.com/merchant-benefits/dental/ Back to where you were ↑
- CareCredit, Cosmetic & Plastic Surgery Financing Options, 2026. Vendor-published. https://www.carecredit.com/cosmetic/ Back to where you were ↑