Split your dental, MedSpa, or cosmetic procedure into easy monthly payments from $200 to $5,000. Get approved in 60 seconds with no impact on your credit score — and enjoy 0% APR options for qualified applicants.
Simple Process
From application to approval in under 60 seconds. No paperwork, no waiting rooms, no hard credit inquiries. Here is exactly what to expect.
Locate a healthcare provider near you that accepts Cherry payment plans. Over 60,000 practices are in the network across dental, MedSpa, plastic surgery, and more.
Complete a quick digital application on your phone or any device. Cherry uses a soft credit check only — your score stays untouched while you see what you qualify for.
Once approved, pick the payment plan that fits your budget. Options range from 4 interest-free payments to extended monthly plans up to 24 months.
Start your treatment immediately. Cherry pays your provider upfront so you can focus on your care — not your finances. Payments auto-deduct monthly.
Flexible Options
Every budget is different. Cherry offers three distinct plan types so you can choose the repayment structure that works for your financial situation.
Split your total into 4 equal payments over 6 weeks. Perfect for smaller treatments between $200 and $1,000. No interest, ever.
Spread your costs over 3 to 12 months with true 0% APR — not deferred interest. Qualified applicants pay exactly what they owe, nothing more.
For larger procedures up to $5,000, extended plans stretch payments over 12 to 24 months with rates starting as low as 5.99% APR for qualified applicants.
Who Qualifies
Cherry takes a holistic approach to lending decisions, looking beyond a single credit score number to approve more patients for the care they need.
Cherry evaluates multiple factors including income, employment history, and debt-to-income ratio — not just your score. Here is a general guide to plan expectations:
What You Can Finance
Cherry partners with providers across a wide range of healthcare specialties. Whatever procedure you need, there is likely a Cherry-partnered practice near you.
Finance everything from routine cleanings to complex restorations. Cherry makes dental care accessible regardless of insurance coverage gaps.
Invest in yourself without the upfront financial burden. Pay for aesthetic treatments over time with transparent, predictable monthly payments.
Transform your confidence with affordable monthly payments for cosmetic and reconstructive surgical procedures at board-certified practices.
Your pets deserve the best medical care. Finance emergency vet visits, surgeries, dental cleanings, and wellness procedures for your furry family members.
Clear vision should not come with a blurry price tag. Finance LASIK, prescription eyewear, and other ophthalmology services through Cherry.
From medical dermatology to hormone therapy and wellness treatments, Cherry covers the full spectrum of skin health and holistic care.
See the Difference
Not all healthcare financing is created equal. See how Cherry stacks up against credit cards and traditional medical lenders on the features that matter most.
| Feature | Cherry Financing | Credit Cards | Traditional Lenders |
|---|---|---|---|
| Credit Check Type | Soft check only | Hard inquiry | Hard inquiry |
| Approval Speed | Under 60 seconds | 1–7 days | 2–14 days |
| True 0% APR Option | ✓ Yes | Promo only | Rarely |
| Deferred Interest | ✓ Never | Common | Sometimes |
| Approval Rate | ~80–90% | Varies widely | ~40–60% |
| Prepayment Penalty | ✓ None | None | Sometimes |
| Healthcare-Specific | ✓ Built for it | ✗ General | Some |
| Hidden Fees | ✓ None | Annual fees, late fees | Origination fees |
Estimate Your Payment
See how affordable your treatment can be. Adjust the amount and plan type below to estimate your monthly payment with Cherry.
This calculator provides an estimate based on Cherry's publicly available plan structures. Use it to compare different payment options and find the plan that best fits your monthly budget before you apply.
*Estimates are for illustrative purposes only. Actual payments depend on approval amount, creditworthiness, plan selection, and APR offered. 0% APR is available for qualified applicants. Rates range from 0% to 35.99% APR.
Verified Reviews
Real experiences from verified patients who financed their healthcare with Cherry. Sourced from Trustpilot, where Cherry Technologies holds a 4.8-star rating across 1,400+ reviews.
I was denied by CareCredit because of a hard credit check and my score wasn't high enough. My dentist recommended Cherry financing as an alternative. The application took about 30 seconds on my phone, they only did a soft credit check, and I was approved for $4,200 instantly. I'm now getting the dental implants I've needed for two years. The 0% APR plan for 12 months made it completely affordable. Truly a game changer for anyone with less-than-perfect credit who needs dental work.
Dental ImplantsI finance Botox and filler treatments through Cherry every few months. What I love most is that the Pay-in-4 plan is always interest-free — no catches, no deferred interest that hits you later like some competitors. I split my $800 treatment into 4 payments of $200 every two weeks. The soft credit check means I can reapply without worrying about my credit score dropping. My MedSpa has Cherry integrated into their checkout, so the whole process takes under a minute. Highly recommend for anyone looking to finance aesthetic treatments.
Botox & FillersMy orthodontist quoted me $3,500 for Invisalign. I didn't want to put it on a credit card because of the high interest. Cherry financing let me apply right from my phone in the waiting room. The soft credit check was a huge deal for me since I'm building my credit after college. I got approved for the full amount and chose the 0% APR 12-month plan. My monthly payment is very manageable and it's actually helping me build credit since Cherry reports to Equifax. Win-win.
Invisalign / OrthodonticsOur dog needed emergency knee surgery that cost $3,800. We didn't have that kind of money sitting around and were panicking. The vet's office offered Cherry financing and we applied immediately. Approved in under a minute for the full amount. We chose the 18-month plan at a low interest rate. Without Cherry, we would have had to make a terrible decision about our pet's care. The application was stress-free and the monthly payments are something we can handle. So grateful this exists for veterinary care too.
Veterinary SurgeryI've been wanting full-body laser hair removal for years but the $2,400 package price always stopped me. My aesthetician told me about Cherry buy now pay later plans. I applied on my phone, got approved instantly, and chose to pay in 4 interest-free installments of $600. No hard credit check, no hidden fees, no surprises on my statement. The whole experience from application to first treatment took maybe 15 minutes. If you've been putting off a cosmetic treatment because of cost, Cherry financing is the real deal.
Laser Hair RemovalI needed 4 crowns and 2 veneers which totaled about $5,000. My credit card has a 24% APR so I started looking for better healthcare financing options. Cherry offered me a 0% APR plan for 12 months — I pay around $417/month with zero interest. Compared to what I would have paid in credit card interest, Cherry saved me over $600. The approval was instant, there's no deferred interest gimmick, and I can pay it off early without penalties. This is how medical financing should work everywhere.
Crowns & VeneersReal Experiences
Thousands of patients finance their healthcare through Cherry every month. Here is what some of them have shared about their experience.
"I had been putting off dental implants for over two years because of the cost. Cherry let me split everything into manageable monthly payments, and I started treatment the same day I applied."
"The whole process was done on my phone in about a minute. No paperwork at the front desk, no waiting for approval letters. I picked my plan and started my Botox treatment right away."
"I was worried about a hard credit check since I'm still building my score. Cherry only did a soft pull, I got approved for $2,500, and my credit score was completely unaffected. Highly recommend."
Honest Assessment
Every financing option has trade-offs. Here is an honest, balanced look at what Cherry does well and what you should consider before committing to a payment plan.
For patients seeking a transparent, low-barrier way to finance healthcare procedures between $200 and $5,000, Cherry offers a compelling combination of high approval rates, true 0% APR options, and no deferred interest traps. The main trade-offs — provider-specific approvals and higher APR on extended plans — are worth weighing against the significant advantages of soft credit checks and fee-free terms. Overall, Cherry stands out as one of the most patient-friendly healthcare financing platforms on the U.S. market.
Learn More
In-depth articles to help you understand your healthcare financing options, maximize your approval chances, and make confident financial decisions.
Dental implants can cost anywhere from $1,500 to $5,000 per tooth — a significant expense that prevents many patients from moving forward. Cherry Financing changes that equation entirely. With approval amounts starting at $200, a soft credit check that won't impact your score, and 0% APR options for qualified applicants, Cherry makes implant treatment accessible even on a tight budget. In this guide, we break down average implant costs across the U.S., explain how Cherry's Pay-in-4 and monthly plan options apply to dental procedures, and share practical tips to strengthen your application. Whether you need a single implant or a full-arch restoration, understanding your financing options is the first step toward the smile you deserve — without draining your savings account.
CareCredit and Cherry are two of the most recognized names in healthcare financing, but they operate under fundamentally different models — and those differences matter for your wallet. CareCredit functions as a revolving healthcare credit card with deferred interest promotions, meaning a single late payment can trigger retroactive interest on your entire balance. Cherry Financing takes a different approach with fixed installment plans, true 0% APR (not deferred interest), and a soft credit check that protects your credit score during the application process. This side-by-side comparison covers approval rates, interest structures, credit check types, hidden fees, and real-world scenarios to help you decide which financing solution aligns with your credit profile and financial goals.
Aesthetic treatments like Botox, dermal fillers, laser hair removal, and body contouring are no longer reserved for those who can pay in full upfront. Cherry Financing has become the go-to payment plan solution for MedSpa clients across the United States, with approval rates around 80–90% and plan options that start as low as four interest-free installments over six weeks. This article walks you through exactly how Cherry's MedSpa financing works — from the 60-second application process and what credit score you need, to choosing between Pay-in-4 and extended monthly plans for treatments between $200 and $5,000. We also cover how Cherry integrates with the Allē loyalty program for Allergan Aesthetics products, so you can stack rewards while financing your treatments.
Common Questions
Get clear answers to the most frequently asked questions about how Cherry payment plans work, what you need to apply, and what to expect.
Check your rate in 60 seconds. No commitment, no credit score impact. See what you qualify for and take the first step toward the care you deserve.
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