Sunbit — highest approval, best for sub-prime
Approves ~85% including thin-credit and sub-prime. Merchant fee ~9–11%. 6 or 12 month plans. Best for working-class neighborhoods and walk-in heavy shops.
Financing is the single highest-ROI add-on most shops haven't turned on yet. The right partner lifts close rate on $1K+ tickets by 18–25%.
Shops lose 1 in 3 big-ticket jobs not on price but on cash flow. Customers say "I'll think about it" — and never come back. Financing makes the answer "yes" instead of "later."
Approves ~85% including thin-credit and sub-prime. Merchant fee ~9–11%. 6 or 12 month plans. Best for working-class neighborhoods and walk-in heavy shops.
Approves ~70%, lower fee (5.5–8%), supports 3 / 6 / 12 / 24 month plans. Better fit for shops in higher-income areas or selling $2K+ jobs.
Approves nearly everyone (no credit check) via lease structure. Fee paid by customer not shop. Common in tire/wheel financing — works well alongside Sunbit.
Splitting $600 into 3 monthly card charges via your management software works for repeat customers. Default risk is 4–8% so price it in. Skip for one-time customers.
Print "as low as $XX/mo" on the estimate, mention financing during walkaround, and offer it again at the decline. 35% of "no" answers flip to "yes" when financing is offered a second time.
Sunbit for highest approval, Affirm for lowest fee. Most shops run both and let the customer pick.
Yes — independent studies show 18–25% close-rate lift on tickets over $1,000 and a $340 avg ticket lift when offered up-front.