Cherry Payment Plans

Treat now, pay later with Cherry

Treat now, pay later

  • No hard credit checks ever
  • True 0% APR options available
  • Interest-bearing plans with APRs as low as 5.99%
  • Up to $50,000 approvals
  • No hidden fees
see If You Qualify
Manage Your Account

How Cherry works

See if you qualify

It only takes 60 seconds to complete the application

Get care

Use your approval to pay for your treatment

Pay over time

Choose a plan length that fits your needs with 0% APR options

See an example of what you could pay

Example payments for
$ 1,000
Get Personalized Options
  • No hard credit checks, ever
  • 60 seconds to apply
0% APR and other promotional rates subject to eligibility. See footer for details.
 

How Cherry works

These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. For example, a $400 payment plan with Cherry may cost $100/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase. Not every provider that uses Cherry will offer the payment plan terms listed above.

Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners(opens in new tab). See withcherry.com/terms(opens in new tab) for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.

Cherry is committed to making our product accessible. For our accessibility statement and feedback form, see withcherry.com/accessibility(opens in new tab).

Copyright © 2020-2026 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.

Have Any Questions?

What is Cherry? Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
How long is my approval valid for?
Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.
Can I increase my approval amount?
If eligible, you can request an increase through the Cherry Consumer Portal.
Can I pay this off early?
Yes. Cherry does not charge any prepayment penalties.
Does my 0% APR offer expire?
No. Your promotional APR remains valid throughout the approved term if payments stay current.
How much is my down payment and when is it due?
Your available down payment options are shown during checkout after entering the purchase amount.
How are refunds handled?
Refunds must be approved by Concierge Medical Clinic before being processed.
Does Cherry report to the credit bureaus?
Yes, Cherry may report the status of our borrowers' accounts to Equifax, one of the major credit bureaus.
Can missing payments on my account with Cherry hurt my credit?
Yes. Late or missed payments may negatively affect your credit score.