Dental

Trusted & Loved
by Dental Practices
and DSOs

Treat more patients with Cherry Payment Plans for out-of-pocket expenses up to $35,000. Payment plans range from 6 weeks of always interest-free to 60 months with qualifying 0% APR.

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Reduce merchant fees by as much as 50%

Increase case acceptance by 30%

Get paid 100% upfront

More 0% APR options for patients & more patients approved for financing

More Patients,
More Treatments

+30% increase
in case acceptance

+50% increase
in transaction size

80%+ industry-leading
patient approval rate

Approvals exclusive
to your practice

BOOK YOUR FREE DEMO

Save on Time & Money

Lower your
merchant fees

Save as much as 50% on your merchant processing fees.

Get paid
upfront

Receive full payment in 2-3 business days. Easily improve your cash flow.

Reduce billing
headaches

Cherry handles repayment directly with your patient, so you can focus on providing care.

BOOK YOUR FREE DEMO

Dental Provider FAQs

How does Cherry work?

Here’s how it works:

A client completes our 60-second application, undergoing a soft credit check that doesn’t affect their credit score.
If approved, they can choose from multiple payment plans based on loan amount, loan terms, and their budget.
The provider receives full payment from Cherry, minus the merchant processing fee, usually within 2–3 business days.
The client repays Cherry over a set period of time.

What patient financing options and loan terms do you offer?

We offer loan amounts up to $35,000, flexible repayment terms between 3 and 60 months, and competitive interest rates — including interest-free plans for Pay in 4 and qualifying 0% annual percentage rate (APR) for monthly plans.

How quickly can dental offices integrate your financing program?

Our financing program can typically be integrated into dental offices the same day, enabling immediate improvement on case acceptance and patient enrollment.

How long does the patient financing application process take?

Patients can apply for financing in less than 60 seconds, with no hard credit check, and see qualifying loan options instantly. Typically, they’ll receive same-day approval, but it may take up to 48 hours.

What is your approval rate?

We boast an industry-leading 80%+ approval rate, accommodating a wide range of borrowers. For Pay-in-4 (our 6-week plan), we approve ~90% of applicants.

How and when does our practice receive payments?

Payments to dental providers are processed upfront when the transaction is made, and depending on the provider’s bank, funds should arrive electronically in no later than 3 business days.

Does our practice bear risk if borrowers can’t pay?

No, we handle repayment directly with borrowers so you can focus on providing dental services to your patients. There’s no risk to your practice, or in-house management for you or your team. It’s just one of the reasons over 40,000 medical practices love Cherry.

Are there any annual fees for our practice?

There’s no annual fee to access our third-party financing. Merchant fees apply, but they’re up to 50% lower than other financing companies.

Why should we offer dental financing options at our practice?

Offering flexible payment options helps patients manage out-of-pocket dental costs and promotes wellness through regular checkups and adherence to treatment plans. With more ways to pay, you make it easier for patients to move forward with dental treatment, which is why some Cherry providers have seen a big boost in business since adopting our third-party financing.

Will submitting an application impact my patients’ credit scores?

We perform a soft credit check to prequalify patients, which does not impact credit score. We never conduct a hard credit check.

Can patients manage their payment plan online?

Yes, patients can manage their plan online and track monthly payments from an easy-to-use dashboard.

What dental procedures can patients finance?

Patients can finance a variety of dental work including dental implants, orthodontics, endodontics, veneers, x-rays, dentures, fillings, root canals, teeth whitening, aligners like Invisalign, extractions, and cosmetic dentistry.

How is your dental care financing different from personal loans?

Unlike personal loans, our third-party financing provides immediate loan offers tailored to oral health treatment for borrowers in a wider range of financial situations, and does not involve a hard credit check. What’s more, financing through Cherry can only be used for treatment offered by the Cherry provider, and not for any other purchase from any other provider.

Can patients with bad credit access your dental financing?

Yes, patients with both good credit and bad credit can qualify for financing plans tailored to their individual circumstances. At Cherry, we know that credit history is only a glimpse of a patient’s financial situation, and with a proprietary underwriting algorithm, we’re able to look beyond outdated markers of financial stability to accept a wider range of borrowers who may not meet traditional credit approval standards.

Are patients with dental insurance plans eligible?

Yes, even if your patients have insurance coverage, they can still use Cherry to cover dental expenses, or portions of expenses, not fully covered by healthcare providers.

Are there origination fees similar to other medical or dental loans?

No, our dental loans do not include origination fees or any hidden fees that might be charged by traditional lenders, ensuring transparent and fair financing for dental patients.

Does Cherry offer a credit card?

No, Cherry does not offer a credit card at this time.

What makes Cherry different from CareCredit?

At Cherry, we’re different from CareCredit because we don’t perform a hard credit check on your patients, our plans don’t apply deferred interest, we boast nearly double the approval rate, we offer a simple 60-second application, and we’re up to 50% cheaper for dental practices.

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Trusted & Loved
by Dental Practices
and DSOs

The (Almost) 5 Star Payment Plan Company

The (Almost) 5 Star Payment Plan Company

More Patients,
More Treatments

Make Payment Easier