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Need help with Sunbit?

Set up time when works for you to answer any questions. For additional support, reach out to [email protected].

Everything you need to hit the ground running with Consumer Financing, powered by Sunbit, inside 

CCC ONE:

Book a Sunbit training

Approved templates and copy for your website

Downloadable consumer brochures and shop signage

Talk tracks, scripts, video and quick overview guides

Need help with settings in CCC?

For settings, configurations, version updates, or other CCC issues, call 800-637-8511 or use the link below to access the Help Center.

Get tech support

Getting started with Consumer Financing

Activate Consumer Financing in CCC ONE:

  1. Go to Settings, open the payments tile
  2. Click Configure under Consumer Financing
  3. Follow the prompts


Important! Make sure your shop is on the latest version of CCC, v58, which is required to use Consumer Financing. Check your version here.


Access the CCC's Consumer Financing User Guide here.

Access CCC's Help Center here.

Watch the Sunbit overview video

Read the shop quick guide

See how Sunbit works for your collision center and your consumers.

An overview of the Sunbit program details and benefits. 

Download guide

Display and share these marketing materials with customers

Print materials:

Counter easel & countertop signage

Display both materials in shop lobbies, waiting rooms, or near checkout counters to let customers know they don't have to pay for everything today. Just download and print. 

Download assets

Digital materials:

Web/Email Banners + Social Media

A suite of standard ad & post sizes used across the internet, from Facebook to your local news website.

Download assets

Approved Social Media Caption:

To help you get the repairs you need today and pay over time, we now offer access to flexible payment plans powered by Sunbit. Check out your financing options today. {{insert your prequalification link}}

How to bring up financing

Here are a few key benefits of Sunbit and how you might bring them up to your customers:

Pay over time for today's repairs

With Sunbit, you can make repairs more accessible by offering flexible payment options for repairs today. Here's what you can say:



No credit impact

Encourage more consumers to explore financing by removing fear around credit checks. Here's what you can say:



"There's no impact to your credit score just to check your options, it's totally risk-free to see what's available."

"You don't have to pay for everything today – we offer a flexible way to break up the cost of your repair over time. It's a great option if you'd rather spread things out."

Here's how it might sound to convey all the benefits of Sunbit in one simple line:

Fast and simple application process

Sunbit delivers a fast, stress-free application experience with immediate results. Here's what you can say:


"We have a way to pay over time if that's easier. It only takes a few seconds to apply, and there's no impact to your credit just to check – you'll see your options right away."

"It takes just seconds to apply, and you'll see your options right away – no paperwork and no waiting."

Frequently asked questions

How should I explain Sunbit to consumers?

Keep it simple: “Sunbit offers flexible payment plans. You can apply in under a minute to see options with no hard credit check. You’ll know instantly if you’re approved and what your payments could look like.”

How do consumers know financing is an option?

Once Consumer Financing is enabled, the following touchpoints are enabled automatically: -Pre-qualification link on Carwise -Pre-qualification QR code on printed estimates -Send a link to explore payment plans together in-person or have the customer make payment directly from CCC ONE.

Where can my consumers find more information about how Sunbit loans work?

Information is provided throughout the consumer experience. You can also provide consumers with Sunbit marketing materials available at sunbit.com/CCC or direct consumers to sunbit.com/im-a-consumer/customer-service/.

How do consumers pay with Sunbit?

Consumers select a payment plan during checkout and enter a bank-issued debit card. Prepaid debit cards and credit cards are not accepted. Your business is paid upfront, while Sunbit manages all billing and collections.

Is financing available for all repairs?

Financing can be used for any consumer-pay portion between $60–$10,000.

Is financing available in all states?

Sunbit is available in all U.S. states, but some restrictions may apply.

Does Sunbit run a hard credit check on consumers?

No. Sunbit uses a soft credit check that does not impact the consumer's credit score.

What happens if a consumer misses a payment?

The financing agreement is strictly between the consumer and Sunbit. The shop is not impacted if a consumer is late or defaults on payments.

Can consumers pay off their financing early?

Yes. Consumers can make additional payments or pay off the balance early without penalty.

When should I introduce financing?

Introduce financing early and often to increase job approvals and help consumers manage costs, including: before the appointment, at check-in, while presenting the estimate, and at checkout.

How do I use Consumer Financing in CCC ONE?

1. Customer at the counter: From a workfile, open “Consumer Financing” to send a pre-qualification link, and review personalized payment plans together. 2. Customer called or emailed in: No Workfile. No Problem. Go to the “Action” menu at the top of your Workfile Search screen and select "Send Link to Finance Prequalification." 3. Customer ready to pay: From an open workfile, verify the customer owed balance is correct, then click "Consumer Financing" at the top of the page to send a payment link to the customer.

How should I explain Sunbit to customers?

Keep it simple: “Sunbit offers flexible payment plans. You can apply in under a minute to see options with no hard credit check. You’ll know instantly if you’re approved and what your payments could look like.”

Can I add fees or increase prices if a consumer chooses Sunbit?

No. Sunbit merchant fees cannot be passed on to the consumer. Do not add surcharges, increase prices, remove discounts, or change pricing based on how the consumer pays.

Can I complete the application for the consumer?

No. The application must be completed by the consumer directly to ensure accuracy and compliance. They should use their own device and email address, and have time to review their terms, including APR and down payment options.

What sort of late fees or penalties are there when using Sunbit?

No. Consumers are never charged fees, deferred interest, or penalties.

Does a consumer need to pre-qualify to successfully checkout and pay for vehicle repairs?

No. Pre-qualification isn’t required. Consumers can complete the application during checkout. However, introducing financing earlier helps increase service acceptance by giving consumers clarity on what they can afford. You can do this in two ways: 1. Send a pre-qualification link ahead of the appointment so consumers can review their approval amount and payment options in advance. 2. Walk through payment plans together using the guided Consumer Financing experience in CCC ONE before or while presenting the estimate.

How quickly does the shop get paid?

Funding is confirmed almost instantly and typically deposited within 1–2 business days, like credit and debit card processing time.

When should consumers open the loan?

Loans should be opened on the same day the services are performed.

What if the service is canceled or changed?

If services are not performed or are partially completed, unused funds must be refunded or adjusted. You can process cancellations or adjustments directly within your platform, similar to how you would manage a credit card transaction.

Can I tell the consumer what their approval odds or APR will be?

No. Approval results, APR, and down payment amounts are determined individually and in real time. Avoid making promises or assumptions about what a consumer will qualify for.

Does offering financing cost the shop anything?

There are no additional CCC subscription fees, simply enable Sunbit financing through your current CCC package. Sunbit charges a flat 5% merchant fee, deducted from the payment.

Have more questions?

Reach out to our team at [email protected] or book a 1-1 meeting with the Sunbit team by clicking the button below.

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Rates and Terms | Privacy Policy

*3- month 0% APR plans for all approved customers. 6- through 18-month plans with interest are also available. Subject to approval based on creditworthiness. 0-35.99% APR. Payment due at checkout. Not available in US territories. Example: A $885.00 purchase with 28.99% APR, $133.38 down payment and a 6-month term would have monthly payments of $136.09 and a total cost of $949.93. Terms may vary. Account openings and payment activity are reported to a major credit bureau. Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.