Veterinary

Give Every Pet the Care They Deserve

Help clients give their pets the best care possible and make critical treatments accessible. With Cherry Payment Plans, clients can pay over time with approvals up to $35,000.

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Approve 30% more clients to get the care their pet needs
Lower merchant fees by up to 50%
Get paid 100% upfront
True 0% APR options for clients. No deferred interest.

More Patients,
More Treatments,
More Hapiness

+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 client, so you can focus on providing critical care.

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Veterinary Provider FAQs

What is Cherry?

Cherry is a third-party financing provider that helps consumers access essential services — like veterinary, dental, and medical care — by breaking payments into monthly or weekly installments. Used by a wide range of businesses, Cherry supports providers through tailored loans that match their customers’ financing needs. For a veterinary practice, Cherry disburses funding to clients seeking to finance pet care. The provider gets paid the full amount upfront for their services, and the client repays Cherry over time.

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 makes Cherry a preferred lender for veterinary clinics?

Cherry is a lender focused on healthcare and wellness, delivering simple, transparent financing to pet owners. With low fees for providers, special financing plans, a fast application, broad eligibility, and low minimum monthly payments, we help veterinary clinics support more pet parents, deliver life-saving care, and grow sustainably.

Why should we offer Cherry financing options at our practice?

Offering flexible payment options helps clients manage out-of-pocket veterinary costs. With more ways to pay, you make it easier for pet parents to move forward with treatment, which is why some Cherry providers have seen a big boost in business since adopting our third-party financing. Other top reasons vet practices like Cherry:

Fast, easy-to-use application
High approval rate, enabling more clients to afford critical care for their pets
True 0% APR options, no deferred interest

What loan terms do you offer pet owners?

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

Are your loan products tailored specifically for veterinary care or more general consumer lending?

Our loan options are specifically designed to cover vet bills, ensuring that borrowers have access to financial assistance for all their pet's healthcare needs. Unlike personal loans or a general line of credit, our vet care financing is built specifically so customers can afford checkups, vaccinations, emergency care, and other veterinary expenses associated with the average cost of pet ownership.

How and when does our veterinary practice receive payments?

Payments to veterinary providers are processed upfront when the transaction is made, and funds should arrive electronically in the provider’s bank account in 2-3 business days. Our streamlined electronic process allows providers to offer swift medical care to pets while maintaining the consistent cash flow needed to support a vet startup, small business, animal hospital, or nonprofit.

Who handles customer service — our practice or the Cherry team?

We provide US-based customer support, handling all client inquiries and repayment processes, allowing your veterinary staff to focus more on providing care. It’s just one of the many reasons that over 40,000 medical practices love Cherry.

How quickly can providers integrate your financing program?

Our financing program can be integrated into vet clinics the same day, enabling immediate improvement on case acceptance and client enrollment.

Is our practice responsible if customers don’t make payments?

You, as the practice, are not responsible for the repayment of your customers' contracts. We take on the credit risk of every contract initiated through Cherry.

Are there monthly, annual, or one-time setup fees?

There is no annual fee, monthly maintenance fee, or setup charge. Cherry offers a quick and easy enrollment process with no hidden costs. Merchant processing fees apply, but they’re up to 50% lower than other financing companies.

What is your average 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.

Will you charge an origination fee or a prepayment penalty to our clients?

There are no origination fees, prepayment penalties, deceptive promotional periods, or deferred interest charges you might find with other lenders. Borrowers can make extra monthly payments and pay off their entire loan amount early without incurring any penalties.

What types of pet expenses are eligible for financing?

Cherry can be used to finance a wide range of services and pet needs, including checkups, emergency vet visits, vaccinations, diagnostics, x-rays, teeth cleaning and other dental care, spay and neuter procedures, specialized pet food, and even elective treatments.

Will the application process affect my customers’ credit scores?

We perform a soft credit check during the loan application process to prequalify customers, which does not impact their credit score. At no point do we conduct a hard credit check. This approach offers customers peace of mind, allowing them to explore pet financing options and find the lowest rate possible without fear that it will impact their credit report.

How long does the application and approval process take?

Before or during their vet visit, clients can apply online and receive a decision all within 60 seconds. If approved, they can use their funds immediately.

Can clients manage their payment plan online?

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

How are your pet loans different from personal loans?

Unlike a traditional personal loan, Cherry is tailored for pet care and only usable with the specific vet clinic or veterinary hospital that offers it. We offer low interest rates, qualifying 0% APR, simple eligibility requirements, and never conduct a hard credit check.

Are clients with pet health insurance plans eligible?

Yes, even if your clients have pet insurance, they can still use Cherry to cover medical bills, or portions of bills, not fully covered by their insurance company.

How do clients make down payments?

Clients can use a bank-issued debit card or a credit card* to make their initial payment at time of checkout. Clients can make any future monthly payments on their Cherry account via ACH electronic transfer from their checking account, debit card or credit card*.

*Note: Making payments via credit card will result in a 2.99% processing fee for the client. There is no processing fee for making payments via ACH or bank-issued debit card.

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What types of borrowers are ideal for Cherry?

From new pet owners with high veterinary bills to families who need help affording pet surgery — or any other service or product that supports pet health, Cherry is built for anyone who wants manageable financing without all the fees, higher interest, and prepayment penalties.

What if a family member wants to co-sign or pay?

We accept applications from family members or anyone willing to help cover veterinary expenses for a pet. Payments can be made via debit card, credit card, or ACH from a bank account.

How are you different from CareCredit or Scratchpay?

Unlike CareCredit, we don’t perform hard credit checks, apply deferred interest charges, or require customers to apply for a physical credit card (like the CareCredit card). We approve nearly twice as many borrowers and are up to 50% cheaper for providers. Compared to Scratchpay, we offer 3x higher loan amounts, longer terms, and more customizable repayment plans.

How are refunds handled?

Refunds can be initiated within the transaction tab of the Provider Portal by selecting the dropdown of a completed transaction. Full refunds and partial refunds are available to choose from. Transactions that are older than 60 days are ineligible for refunds through the Cherry platform. To initiate a refund outside of the first 60 days, it is up to the practice to facilitate the refund directly with the borrower.

Full Refunds: A full refund cancels the borrower’s contract. The practice receives reimbursement from Cherry for processing fees, and the borrower receives a credit for any remaining balance owed.
Partial Refunds: A partial refund issues a partial credit to the borrower, not to exceed the full remaining balance. Cherry prorates and reimburses the practice’s processing fees. Partial refunds can be performed multiple times and only up to the full remaining balance.

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Give Every Pet the Care They Deserve

The (Almost) 5 Star Payment Plan Company

Make Pet Care
More Accessible

More Patients,
More Treatments,
More Hapiness