Pay over time with Cherry
Get care now. Pay later.
Cherry lets you split the cost of your care into smaller payments, with qualifying 0% APR options. Applying takes seconds and won't affect your credit score.
- Apply in seconds
- No hard credit check
- No hidden fees or deferred interest
Two ways to pay
Pay in 4
Four interest-free payments, every two weeks
Monthly payments
Small monthly installments over a longer plan
Approval amount, plan length and APR depend on eligibility. Ask us which plans we offer.
How Cherry works
- 1
Apply
Apply online with our Cherry link or in person at the clinic. It takes seconds and doesn't affect your credit score.
- 2
Get care
Use your approval to pay for your treatment. When it's time to pay, we'll text you a checkout link where you choose the plan that fits your budget.
- 3
Pay over time
Manage your payments online. No deferred, retroactive or compounding interest, and no penalty for paying early.
FAQ
Questions about Cherry
Don't see your question? Call us and we'll walk you through it.
Call 409.210.3336What is Cherry?
Cherry is a payment plan company we partner with. Instead of paying for your treatment all at once, you can split it into smaller payments: four interest-free payments every two weeks, or smaller monthly payments over a longer plan. The estimator above shows example plan lengths.
Will applying affect my credit score?
No. Applying uses a soft credit check, which doesn't impact your credit score. Once you confirm a payment plan, Cherry typically starts reporting it to the credit bureaus after 30 days, so on-time payments matter.
What do I need to apply?
You need to be 18 or older, live in the United States, and have a bank-issued debit or credit card (prepaid cards aren't accepted) and a mobile phone to receive your checkout link.
How much can I be approved for?
Pay in 4 plans go up to $3,000, and monthly plans go up to $10,000. Your approval amount depends on your credit and other factors, and you'll see it within seconds of applying.
Is it really 0% interest?
Many patients qualify for 0% APR. Unlike deferred-interest promotions, Cherry's 0% offers are true no-interest plans: interest is never added back retroactively. Your offer stays at 0% for the whole plan as long as your payments are on time. If you don't qualify for 0%, your APR depends on your credit and is shown before you agree to anything.
Is there a down payment?
Yes. For monthly plans, the down payment equals one monthly payment and is due at checkout. For Pay in 4, the first of your four payments is due at checkout. You can pay it with a debit card (no fee) or a credit card (2.99% processing fee).
How much will my treatment cost?
Pricing and packages vary from patient to patient. It's not one-size-fits-all: your provider will recommend a plan after your consultation, and we'll go over pricing with you before you commit to anything. You can apply with Cherry before your visit so you know your options ahead of time.
How long does my approval last?
At least 30 days. You can check the expiration date in your Cherry account and reapply quickly if it runs out.
Can I pay off my plan early?
Yes, at any time, with no fees or penalties.
Can I use my HSA or FSA?
Cherry doesn't take payments directly from an HSA or FSA. You can pay with a regular debit card and submit your Cherry receipts or statements to your HSA or FSA provider for possible reimbursement.
What if I'm not approved?
Cherry bases its decision on your credit score, credit history, income and debts, and you can reapply once the waiting period ends. We also accept cash, check and credit cards, and we're happy to talk through your options.
Who do I contact about my payments?
For questions about your payments or account, contact Cherry at 888-612-2142 or [email protected]. For questions about your treatment or a refund, call us at 409.210.3336.
Ready to see your options?
Apply in seconds, or call and we'll help you apply during your visit.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. Term length, approval amount, 0% APR, and other promotional rates subject to eligibility. See withcherry.com/terms for details. Not every practice that uses Cherry offers every plan listed.