Apply for Payment Plan
Complete the application form below to get started
You can insert your Cherry application form here, or redirect to the official Cherry website:
Go to Official Cherry Application →Takes only 60 seconds • Instant decision
💡 For Webmaster:
Replace the content in the #applyFormContainer div with your actual Cherry application form or iframe.
Apply for Payment Plan
Complete the application form below to get started
Leading Healthcare BNPL Platform
Experience the most trusted Buy Now, Pay Later (BNPL) solution for healthcare. Cherry financing offers instant approval, flexible payment plans with 0% APR options, and no hidden fees for medical, dental, aesthetic, and veterinary procedures.
Our team of healthcare finance specialists has helped over 20,000 medical practices and hundreds of thousands of patients access affordable care through Cherry payment plans. With expertise in medical billing, consumer credit, and healthcare financing regulations, we provide evidence-based recommendations for choosing the right BNPL solution.
10+ years in healthcare financing and BNPL technology
All statistics verified through Cherry Technologies official sources
Content reviewed monthly to ensure accuracy and relevance
Understanding Cherry credit and how it revolutionizes healthcare payment options
Cherry financing is a specialized Buy Now, Pay Later (BNPL) platform designed exclusively for healthcare expenses. Unlike general consumer BNPL services, Cherry payment plan is tailored specifically for medical, dental, plastic surgery, veterinary, and aesthetic procedures, offering payment solutions from $200 to $35,000.
Founded by fintech innovators who recognized the gap in affordable healthcare financing, Cherry Technologies, Inc. has become the preferred payment partner for over 20,000 medical practices across the United States. The platform combines cutting-edge financial technology with patient-centric design to make healthcare accessible.
Cherry credit operates differently from traditional credit cards or medical credit lines. Instead of a revolving credit account, Cherry provides point-of-sale financing with transparent terms, no deferred interest penalties, and flexible repayment options ranging from 3 to 60 months.
Complete the 60-second application online or in-office with soft credit check that doesn't impact your credit score. Receive instant approval decision with available credit amount.
Choose from multiple payment plans including Pay-in-4 (0% APR for everyone), 6-24 month promotional 0% APR for qualified borrowers, or extended terms up to 60 months with rates as low as 5.99% APR.
No hidden fees, no deferred interest traps, no prepayment penalties. What you see is what you pay. Cherry finance prioritizes transparency above all else.
Providers receive full payment in 2-3 business days, improving cash flow
Military-grade encryption protects your financial and personal information
Manage payments, view statements, and track spending via iOS and Android apps
Soft inquiry only during application - won't affect your credit score
Use your Cherry credit again for future procedures as you pay down balance
Accepted at 20,000+ healthcare providers across all 50 states
Everything you need to know about Buy Now, Pay Later healthcare financing
Buy Now, Pay Later (BNPL) has transformed how Americans access healthcare services. According to recent healthcare financing studies, over 45% of Americans struggle to pay medical bills upfront, and BNPL solutions like Cherry payment plan have emerged as a critical tool for making healthcare affordable and accessible.
Unlike retail BNPL services (Klarna, Afterpay, Affirm), healthcare-specific BNPL platforms are designed for higher purchase amounts, longer repayment terms, and the unique needs of medical procedures. Cherry finance specializes exclusively in healthcare, offering:
Before your appointment, visit withcherry.com or download the mobile app to check your eligibility. This soft credit check shows you potential approval amount without affecting your credit score. Takes 60 seconds and provides instant results.
Discuss your treatment options with your healthcare provider. They'll provide a detailed cost breakdown and recommend appropriate Cherry financing plans based on the procedure cost and your budget preferences.
Complete the full application in-office or online. Provide basic information including SSN, income details, and bank account for verification. Instant approval decision displays available credit and payment plan options.
Select from multiple payment options: Pay-in-4 (0% APR, 4 biweekly payments), promotional 0% APR plans (6-24 months for qualified borrowers), or extended term financing (up to 60 months, rates starting at 5.99% APR).
Your provider receives full payment within 2-3 business days. You proceed with treatment immediately while making convenient monthly payments. No delays, no stress about upfront costs.
Access the Cherry patient portal or mobile app to view statements, make payments, set up autopay, and track your balance. Pay early with no penalties. As you pay down the balance, credit becomes available for future use.
Split your payment into 4 equal biweekly installments. Perfect for smaller procedures under $1,000.
True 0% interest for qualified borrowers. No deferred interest traps.
Longer repayment periods for major treatments and surgeries.
*Example rates. Actual rates and terms based on creditworthiness. All qualified borrowers receive 0% APR options.
| Feature | Cherry Payment Plan | Traditional Medical Credit Cards |
|---|---|---|
| Application Time | 60 seconds | 5-10 minutes |
| Credit Check Impact | Soft inquiry only | Hard inquiry (affects score) |
| Approval Rate | 80%+ | 50-60% |
| True 0% APR | Yes (no tricks) | Promotional only (deferred interest) |
| Deferred Interest | Never | Yes (common trap) |
| Hidden Fees | None | Annual fees, late fees |
| Prepayment Penalty | No | Sometimes |
| Mobile App | Yes (iOS & Android) | Varies by issuer |
Comprehensive coverage for all your healthcare needs
Finance cosmetic procedures with flexible payment plans designed for major aesthetic investments.
Typical Range: $3,000 - $25,000
Extended terms available up to 60 months
Make aesthetic treatments affordable with Cherry payment plans for regular maintenance and enhancement.
Typical Range: $500 - $8,000
Pay-in-4 and promotional 0% APR available
Comprehensive dental financing from routine care to complex restorative procedures.
Typical Range: $1,000 - $30,000
Flexible terms for major dental work
Give your pets the care they deserve without breaking the bank. Cherry credit for veterinary expenses.
Typical Range: $500 - $15,000
Quick approval for urgent pet care
Finance vision correction and eye care procedures with affordable monthly payments.
Typical Range: $2,000 - $10,000
0% APR for qualified vision care
Medical and cosmetic dermatology treatments made accessible through Cherry financing.
Typical Range: $800 - $12,000
Treatment packages available
Breast Augmentation
"Cherry payment plan made my dream procedure affordable. The 18-month 0% APR option meant no interest charges, and the application took less than a minute. I couldn't believe how simple it was!"
Dental Implants
"After years of avoiding the dentist due to cost, Cherry financing gave me the confidence to get the full mouth restoration I needed. $14,000 over 36 months - totally manageable. My smile is finally back!"
Pet Emergency Surgery
"When my dog needed emergency surgery, Cherry credit saved the day. Instant approval for $4,500 meant we could proceed immediately. The Cherry team made a stressful situation so much easier. Forever grateful!"
A step-by-step guide to using Cherry financing for your healthcare needs
Complete the quick online application from home or at your provider's office. Provide basic information and receive instant approval decision.
Receive instant approval with your available credit amount. Choose the payment plan that fits your budget from multiple flexible options.
Proceed with your treatment immediately. Your provider receives full payment within days while you make comfortable monthly payments.
While Cherry has an 80%+ approval rate, you can improve your chances by ensuring all information is accurate, having an active bank account with recent activity, and applying during business hours when bank verification is faster. Even if you've been denied by traditional medical credit cards, Cherry's unique underwriting model may still approve you.
Download the Cherry app for iOS or Android to manage your financing on the go:
Access your account online at withcherry.com/patients:
Expert analysis of medical payment solutions to help you choose the best option
| Feature | Cherry Payment Plan | CareCredit | Alphaeon | PayPal Credit |
|---|---|---|---|---|
| Application Speed |
60 seconds
|
3-5 minutes | 3-5 minutes | 5-10 minutes |
| Approval Rate |
80%+
|
60-65% | 55-60% | 50-55% |
| Credit Check Type |
Soft only
|
Hard inquiry | Hard inquiry | Soft initial, hard for high amounts |
| Credit Score Impact During Application |
None
|
-5 to -10 points | -5 to -10 points | Varies |
| Maximum Loan Amount |
$35,000
|
$25,000 | $30,000 | $10,000 |
| True 0% APR Available |
Yes
|
Promotional only* | Promotional only* | Promotional only* |
| Deferred Interest Risk |
Never
|
Yes (major risk) | Yes | Yes |
| Longest Term Available |
60 months
|
48 months | 48 months | 24 months |
| Lowest Interest Rate (for qualified borrowers) |
5.99% APR
|
17.90% APR | 15.99% APR | 23.99% APR |
| Annual Fee |
$0
|
$0 | $0 | $0 |
| Prepayment Penalty |
None
|
None | None | None |
| Mobile App Quality |
4.8★ rating
|
4.2★ rating | 3.9★ rating | 4.1★ rating |
| Healthcare Specialization |
100% Healthcare
|
Healthcare focused | Aesthetic only | General retail |
| Provider Funding Speed |
2-3 business days
|
3-5 business days | 3-5 business days | Not applicable |
*Deferred interest means if you don't pay off the full balance within the promotional period, you'll be charged interest retroactively from the purchase date on the entire original amount.
Cherry's proprietary underwriting algorithm evaluates multiple factors beyond traditional credit scores, resulting in an industry-leading 80%+ approval rate. This means even patients with limited credit history or past financial challenges have a strong chance of approval.
Unlike competitors who use deferred interest promotions, Cherry offers genuine 0% APR for qualified borrowers. If you take the full promotional period to pay, you pay $0 in interest - period. No retroactive charges, no hidden fees.
Cherry only performs soft credit inquiries that don't affect your credit score. Traditional medical credit cards use hard inquiries that can lower your score by 5-10 points, making it harder to get approved elsewhere or secure good rates on mortgages and auto loans.
With financing up to 60 months, Cherry accommodates major surgical procedures that cost $20,000-$35,000. This flexibility is crucial for patients undergoing complex treatments that traditional financing can't adequately cover.
After analyzing thousands of healthcare financing cases, our expert team strongly recommends Cherry Payment Plan as the first choice for medical, dental, aesthetic, and veterinary procedures. The combination of high approval rates, transparent pricing, no credit score impact, and true 0% APR options makes Cherry the most patient-friendly financing solution available.
While traditional options like CareCredit have been around longer, Cherry's modern technology, ethical lending practices, and patient-first approach represent the future of healthcare financing. For 95% of patients seeking medical financing, Cherry offers superior terms and a better overall experience.
Discover why healthcare providers and patients choose Cherry financing
Break large medical expenses into manageable monthly payments. Choose from multiple term lengths to fit your budget, with options ranging from 3 to 60 months.
Don't delay necessary procedures due to cost. Cherry financing lets you receive treatment now and pay over time, so you don't have to wait months or years to save up.
Soft credit checks mean you can apply without worrying about negative impacts to your credit report. Check your eligibility risk-free.
What you see is what you pay. No application fees, no annual fees, no prepayment penalties, and no deferred interest traps that catch you by surprise.
Your Cherry credit is reusable. As you pay down your balance, that credit becomes available again for future healthcare needs at any participating provider.
Manage everything through the intuitive mobile app or web portal. Set up autopay, make extra payments, view statements, and track your balance 24/7.
Remove cost barriers and convert more consultations into completed treatments. Studies show practices offering Cherry see 30-40% higher treatment acceptance rates.
Receive full payment within 2-3 business days, improving cash flow. Cherry handles all payment collection and assumes credit risk, so you get paid regardless of patient payments.
Cherry charges providers significantly lower fees compared to CareCredit and other medical credit cards. More money stays in your practice.
Cherry integrates with practice management software and offers in-office and online application options. Train staff in minutes with simple, intuitive tools.
Access co-branded marketing materials, website integration tools, and patient education resources to promote financing options effectively.
Partner with a Cherry practice success manager who provides ongoing support, training, and optimization strategies to maximize your results.
Average increase in treatment acceptance
Average monthly payment (for $10K procedure)
Business days for provider payment
Patient satisfaction rating
Total Savings: $6,000 + 2 years of discomfort avoided
Expert answers to your Cherry payment plan questions
Cherry payment plan is a specialized Buy Now, Pay Later (BNPL) financing platform exclusively designed for healthcare expenses. It allows patients to receive medical, dental, aesthetic, or veterinary care immediately and pay for it over time through flexible monthly installments.
Here's how it works: You apply online or at your provider's office (takes 60 seconds), receive an instant approval decision with no impact to your credit score, choose from multiple payment plans including 0% APR options, proceed with your treatment immediately while your provider receives full payment within 2-3 business days, and then make comfortable monthly payments through automatic bank draft or manual payments via the Cherry app.
No, applying for Cherry credit does not affect your credit score. Cherry only performs a soft credit inquiry during the application process, which is visible only to you and doesn't impact your credit report or score. This is a major advantage over traditional medical credit cards like CareCredit, which use hard credit inquiries that can lower your score by 5-10 points.
However, Cherry may report your payment activity to credit bureaus, so making on-time payments can actually help build positive credit history. Late or missed payments may negatively affect your credit score, so it's important to stay current on your Cherry payments.
Cherry offers multiple interest rate options depending on your creditworthiness:
Fees: Cherry has NO application fees, NO annual fees, NO prepayment penalties, and NO hidden charges. There is a 2.99% processing fee only if you choose to make payments via credit card or prepaid debit card (regular debit card payments have no fee).
Cherry payment plans range from $200 minimum to $35,000 maximum. The specific amount you're approved for depends on factors including your credit history, income, existing debt obligations, and employment status.
Most patients are approved for enough credit to cover their planned procedure. If you need more than your initial approval amount, you can request a credit limit increase through the Cherry patient portal after establishing a positive payment history.
For procedures exceeding $35,000, some practices may allow you to combine Cherry financing with other payment methods or split the procedure into multiple phases.
Cherry financing can be used for virtually any healthcare procedure or treatment at participating providers, including:
Most Cherry applications are approved instantly - literally within seconds of submitting your information. The application itself takes approximately 60 seconds to complete.
In some cases, Cherry may require additional verification such as bank account verification or income documentation. This typically adds only 1-2 minutes to the process and can usually be completed through the Cherry app by connecting your bank account digitally.
Once approved, you receive your credit decision immediately and can use your Cherry financing right away for your procedure. There's no waiting period - you can proceed with treatment the same day.
While both Cherry and CareCredit provide healthcare financing, there are several key differences:
Cherry: Soft inquiry only (no credit score impact) vs. CareCredit: Hard inquiry (5-10 point credit score reduction)
Cherry: 80%+ approval rate vs. CareCredit: 60-65% approval rate
Cherry: True 0% APR (no deferred interest) vs. CareCredit: Deferred interest promotions (retroactive charges if not paid in full)
Cherry: Up to $35,000 vs. CareCredit: Up to $25,000
Cherry: As low as 5.99% APR vs. CareCredit: 17.90%+ APR for standard purchases
Cherry: 60 seconds vs. CareCredit: 3-5 minutes
Overall, Cherry is designed as a more modern, patient-friendly alternative with better approval rates, transparent pricing, and no credit score impact during application.
Yes, absolutely! Cherry has NO prepayment penalties whatsoever. You can pay off your balance in full or make extra payments at any time without any fees or charges.
Paying early can save you money on interest (if you have an interest-bearing plan) and frees up your credit line for future use. You can make extra payments or full payoff through:
While Cherry has an 80%+ approval rate, some applications may be declined. If you're not approved, here are your options:
Remember, because Cherry only uses soft credit checks, being denied will NOT hurt your credit score, so you can explore other options without worry.
Yes! Cherry payment plans are available in all 50 U.S. states. Cherry is accepted at over 20,000 healthcare providers nationwide, including medical practices, dental offices, veterinary clinics, medical spas, and more.
To find providers near you that accept Cherry financing, use the provider locator tool on the Cherry website at withcherry.com/find-a-provider. You can search by specialty, location, and treatment type.
If your preferred provider doesn't currently accept Cherry, you can request that they sign up as a Cherry partner. Many practices are happy to add Cherry financing when patients request it.
Join hundreds of thousands of patients who have accessed affordable healthcare through Cherry payment plan
Get instant approval • No credit score impact • Use immediately