# Sunbit

**Canonical:** https://apis.io/providers/sunbit/  
**Website:** https://sunbit.com/  
**APIs profiled:** 2

Sunbit is a Los Angeles based financial technology company that builds point-of-sale buy now, pay-over-time financing for everyday needs — auto service and dealerships, dental, eyewear, veterinary, med spa, home services, and general retail. Merchants and SaaS platforms integrate Sunbit through a partner API and a hosted JavaScript SDK covering four products: Pre-Qualification (send a customer a no-hard-credit-check qualification link), Sunbit Estimate (an "As Low As" monthly payment shown on a price, estimate or invoice), Checkout (Sunbit added as a payment method via a tokenized server-to-server flow and a modal), and Text to Pay-Over-Time (an SMS payment link). The platform also exposes merchant onboarding, transaction lookup, void and partial refund, reporting, and HMAC-SHA256 signed webhooks. Loans are originated through regulated bank partners.

## Kin Score — 47.0 / 100 (developing)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (-0.7 from 47.7).

| Facet | Score |
|---|---|
| Discoverability | 79.6 |
| Contract Quality | 42.7 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 63.7 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 25.7 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (2)

- **Sunbit Partner API** — Server-to-server REST API for Sunbit partners and SaaS platforms. Covers pre-qualification links, "As Low As" payment estimation, Text to Pay-Over-Time SMS links, checkout trans...
- **Sunbit JavaScript SDK** — Hosted, asynchronously loaded browser SDK (the SUNBIT global) that renders Sunbit's client-side surfaces: the "As Low As" estimate text element and disclaimer, the check-financi...

## Security (3)

- **Sunbit Authentication** — apiKey/http · 4 schemes
- **Sunbit Domain Security** — TLSv1.3 · HSTS · DMARC
- **Sunbit Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Tags

Buy Now Pay Later, point-of-sale-financing, Consumer Lending, Payments, Fintech, Checkout, Merchant Onboarding, Webhook, Automotive, Dental, Veterinary, Eyewear, Healthcare Financing, Embedded Finance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/sunbit/). Scores are computed from the provider's own public artifacts under a published rubric.