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A 3-month 0% APR plan is available to borrowers at participating merchants only. 6- and 12-month plans with interest are also available. Subject to approval based on creditworthiness. Down payment required. 0-35.99% APR. 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 very. Sunbit is licensed under the CT Laws Relating to Small Loans (lic. # SLC-1760582 & SLC-BCH-1844702). Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.