PayPal Pay Later vs. Sunbit

PayPal Buy Now, Pay Later (BNPL) is an installment payment solution that lets merchants offer their customers the option to split purchases into smaller payments over time - while the merchant is paid, up front, in full, with no additional risk. It's included within PayPal Checkout with no additional integration and gives shoppers flexible ways to pay, including Pay in 4 (interest-free payments), Pay Monthly (longer-term financing), and other financing options varying by market.

Sunbit is the AI-powered finance partner that turns hesitation into sales. Traditional financing slows things down and drives customers away. Sunbit’s people-centered AI approves the majority of applicants in seconds, helping more people say “yes” when it matters most. From checkout to final payment, Sunbit delivers a smooth, transparent experience. Acting as an extension of your business, it builds trust, earns loyalty, and keeps customers coming back. Our Products Buy Now, Pay Later — Flexible pay-over-time options for auto service, dentistry, healthcare, and other in-person services.