Get Treated Now.
Pay Monthly.
Split big costs into smaller monthly payments with Cherry.
Let your money go further when you pay in installments with Cherry Payment Plans.
How does Cherry work?
Apply for a Cherry Payment Plan in seconds, without impacting your credit score.
- 1
Apply
Ask your practice for their unique Cherry application link or find it online.
- 2
Get Care
Use your approved Cherry funds to pay for your treatment. When you’re ready to pay, your practice will send you a checkout link.
- 3
Pay Over Time
Choose a plan length that fits your budget, with qualifying 0% APR options.*
*0% APR and other promotional rates subject to eligibility.
Questions? We're here to help
Explore questions that are frequently asked by other Cherry patients.
Application
How do I know who accepts Cherry?
How do I apply for Cherry?
Does applying for Cherry affect my credit score, and when does my payment activity start reporting?
What do I need in order to apply?
Can I apply with multiple practices at the same time?
Does my approval expire?
Can I use my approval balance from Practice A with Practice B?
Can I increase my approval amount?
How do I know if my approval has expired?
Do I need to inform the provider of my approval?
Can I lose my 0% APR Offer?
What is the finance charge?
How do I pick a payment plan?
Can I appeal a denial?
Why was I denied?
What is a down payment and when is it due?
What payment method can I use to make the down payment?
How do I make my down payment?
How do I know if my card is a prepaid card?
How much is the down payment?
How can I estimate my monthly payments before my appointment?
What if I don't know my purchase price?
How do I pay with Cherry?
What if I don’t have a debit card or a credit card, or mobile phone?
Payments
Can I change my payment due date?
When is my payment due?
What happens if I can't pay on time?
Can I make a payment by check?
What payment methods can I use to make my payments?
Does Cherry allow the processing of post-dated checks?
Can I make payments with a Health Savings Account (HSA) or Flexible Spending Account (FSA)?
How do I change my payment method?
Can I pay off my payment plan early?
How can I make a payment?
Will I receive paper statements?
Where can I view my terms of repayment?
Can I combine multiple payment plans into one?
Can missing payments on my account with Cherry hurt my credit?
How does paying off a charge-off affect my credit score?
What is a charge-off?
How long does it take for my paid-off payment plan to appear on my credit report?
I missed a payment. Can Cherry remove it from my credit report as a goodwill adjustment?
How does Cherry report my payment activity to credit bureaus, and when will it show on my credit report?
What should I do if I find an error on my credit report?
What should I do if I file for bankruptcy?
When does Cherry report late payments to the credit bureaus?
Will my payments be reported to credit bureaus?
Will the charge-off be removed from my credit report after payment?
Why was I charged a fee?
How do I cancel my payment plan or request a refund?
I received an error message when trying to pay, what can I do?
Refunds
What is your policy on refunds?
I was issued a refund by the provider, how long does it take to process?
Account Settings
Can I use a P.O. box address for my Cherry account?
How do I update my phone number?
How can I add, remove, or change my card or bank account information?
How do I update my address?
I can't log in, what can I do?
How do I log in to my account?
Product & Services
How can I set up an appointment?
Where can I use Cherry?
Fraud & Security
How can I report a fraud attempt?
How can I protect myself against identity theft?
What should I do if I suspect fraud related to my credit reporting?
How does Cherry protect my personal information?
Complaints
Will I be kept informed?
What happens after I submit a complaint?
How do I submit a formal complaint to Cherry?
What qualifies as a formal complaint?
How long will it take to get a full resolution?
Can I escalate my complaint further?
How do I submit a formal complaint to Cherry?
What qualifies as a formal complaint?
What happens after I submit a complaint?
How long will it take to get a full resolution?
Will I be kept informed?
Can I escalate my complaint further?