Dental implants are the gold standard for replacing missing teeth. They look, feel, and function like natural teeth, but there’s no denying they can be expensive.
That’s why many patients look for ways to make the cost more manageable. One of the most popular tools for this is Sunbit, a flexible payment solution used in many dental offices.
So, does Sunbit cover dental implants? In this guide, we break down everything you need to know—from how Sunbit works to what’s eligible, how to apply, and alternatives if it’s not the right fit for you.
Key Takeaways
✔ Sunbit can be used to finance dental implant procedures if the provider accepts it
✔ It allows patients to split payments into manageable monthly terms
✔ Fast application, high approval rates, and no hard credit checks
✔ Alternatives exist if Sunbit isn’t the best fit for your needs
What Are Dental Implants, and Why Are They Popular?
Dental implants are a permanent solution for missing teeth. They involve placing a titanium post into the jawbone, which acts as an artificial tooth root. Once the implant integrates with the bone, an abutment and crown are placed on top to complete the restoration.
Why Patients Prefer Dental Implants:
- Long-lasting (can last decades with care)
- Natural appearance and function
- Prevent bone loss and preserve facial structure
- No slipping or adhesives like dentures
However, implants don’t come cheap. A single implant can cost anywhere from $3,000 to $5,000 or more, especially if additional procedures (like bone grafting) are required. That’s why financing options matter.
What Is Sunbit, and How Does It Work?
Sunbit is a point-of-sale financing solution designed for essential services like dental and healthcare. Instead of paying everything upfront, you can spread your cost into smaller, predictable monthly payments.
What Makes Sunbit Different:
- No hard credit check to apply
- Over 85% approval rate
- Terms from 3 to 24 months
- No late fees or hidden charges
Sunbit has become a go-to tool for patients who want to move forward with treatment without the financial stress.
Can Sunbit Be Used for Dental Implants?
Yes, if your dental provider accepts Sunbit, you can absolutely use it to finance dental implant treatment. Sunbit doesn’t “cover” implants the way insurance might, but it allows you to pay for the procedure over time.
What May Be Included in Financing:
- Initial consultation and diagnostics (X-rays, scans)
- Surgical placement of the implant post
- Abutment and crown
- Any necessary follow-up visits or minor procedures
It’s important to confirm with your provider what is included in your financing package.
How to Apply for Sunbit Financing
One of Sunbit’s key strengths is its simplicity. The process is fast, paperless, and won’t impact your credit score.
Steps to Apply:
- Visit a provider that offers Sunbit
- Ask for a treatment plan and estimated cost for your implants
- Apply online or in the office (application takes about 30 seconds)
- Review your pre-approved payment plans
- Select your preferred term and monthly payment
- Start treatment
It’s that easy, and most patients receive an instant decision.
Who Is Eligible for Sunbit?
Sunbit is designed to be accessible to a wide range of patients.
Basic Requirements:
- Be 18 years or older
- Possess a valid government-issued ID
- Have a checking account and debit card
- Provide a mobile number and email
Because Sunbit uses a soft credit pull and a broader approval process, many patients are approved, even if they’ve struggled with traditional financing.
Benefits of Using Sunbit for Dental Implants
For many patients, paying thousands upfront just isn’t realistic. Sunbit bridges that gap, making it easier to commit to life-improving dental procedures like implants.
Top Benefits:
- Immediate access to care: Begin your implant treatment without waiting months to save up
- Flexible monthly payments: Choose a plan that fits your budget
- No hidden fees: Transparent terms you can trust
- High approval rates: Greater access compared to traditional credit lines
With Sunbit, patients can focus on their oral health, not their wallet.
Limitations to Consider
While Sunbit is a helpful tool, there are a few limitations to be aware of.
Important Considerations:
- Sunbit is not insurance, you’re still responsible for the total cost of treatment
- Terms and rates vary depending on the provider and your approval status
- Not every dental office offers Sunbit, always check with your provider first
Understanding these factors will help you avoid surprises and make an informed decision.
Alternatives to Sunbit for Implant Financing
If Sunbit isn’t right for you, don’t worry, there are several other ways to finance dental implant treatment.
Popular Alternatives Include:
- In-house payment plans: Many dental offices offer their own flexible financing
- CareCredit or healthcare credit cards: Often used for elective and non-covered procedures
- Dental discount memberships: These programs reduce the overall cost of treatment for an annual fee
- FSAs/HSAs: Tax-advantaged accounts that can be used for qualified dental expenses
- Personal loans or lines of credit: Can be used when other options aren’t available
Discuss these options with your provider to find what works best for your situation.
Questions to Ask Your Dentist Before Applying
To make sure Sunbit (or any financing tool) is right for you, ask your provider a few key questions upfront.
Smart Questions to Ask:
- Do you accept Sunbit for dental implants?
- What’s included in the financing plan—surgery, crown, follow-ups?
- Are zero-interest options available?
- Can I use Sunbit alongside my dental insurance?
These questions will help you understand the total cost and what to expect.
Final Thoughts
Dental implants can transform not just your smile but your confidence, chewing ability, and overall oral health. And thanks to flexible payment tools like Sunbit, that transformation is more accessible than ever.
If you’ve been putting off implants due to cost, consider speaking with a provider that accepts Sunbit. With the right plan in place, you can start your journey toward a stronger, healthier smile, on your own terms.
