Quick Cash Plan
Fast approval for smaller bills, urgent care, and first-time users. Apply in about a minute, spread the cost over up to two years.
Apply now
Soft credit check · Decision in minutes
Cherry Payment PlansCare now,
Cherry Payment PlansCare now,
pay over time.
Split medical, dental, veterinary, and beauty bills from $200 to $65,000 into predictable monthly payments. True 0% APR options for qualifying borrowers, and applying never touches your credit score.
- Soft credit check — no score impact
- True 0% APR — never deferred
- Up to $65,000 — 60-month terms
Care shouldn't have to wait for your next paycheck
Split any bill from $200 to $65,000 into monthly payments,
and see your offer in about 60 seconds, no hard credit pull.
What is Cherry Payment Plans?
Quick answerCherry Payment Plans is a healthcare and wellness financing platform that lets you pay for treatment over time. Financing runs from $200 to $65,000 with terms from 6 weeks to 60 months and APRs between 0% and 35.99%, depending on the plan and your credit profile. Applying uses a soft credit check that does not affect your score, and every approved applicant is offered an interest-free Pay-in-4 plan as a baseline.
Why patients choose us
With Cherry Payment Plans you can:
- Finance treatment from $200 all the way up to $65,000
- Choose a term from 6 weeks to 60 months
- Lock in true 0% APR when you qualify — never deferred interest
- Pay off early at any time, with no penalty
- Check your offer without a hard inquiry on your credit
New · Most popular
Quick Cash Plan
$200–$5,000
Our fastest option for everyday care bills. Apply online, get a decision in minutes, and spread the cost over up to two years.
Apply for Quick Cash
Payment plan options
Every Cherry Payment Plans option, in one place
Whether it's a small emergency vet bill this weekend or a five-figure smile makeover paid off over five years, there's a plan sized for it.
Pay-in-4
Four equal payments every two weeks, always interest-free. Offered to everyone we approve — the plan behind the ~90% approval rate.
See detailsMonthly 0% APR
Real interest-free financing for larger elective care. No deferred interest, no retroactive charges when you pay on time.
See detailsMonthly financing
Big-ticket procedures with the lowest possible monthly payment. Rates set at approval, total cost disclosed before you accept.
See detailsWaived Interest Promo
Interest accrues, then is credited back in full if you pay off the principal before the promotion end date. Provider opt-in only.
See detailsAllergan Allē Plan
Payment plans inside the Allē app for Botox, Juvederm, and select Allergan aesthetics — including 6 months at 0% APR for qualifying members.
See details
Plan by plan
The details behind each plan
Pick a plan to see amounts, terms, and a worked example — so you know exactly what you're choosing before you apply.
Most popular
Quick Cash Plan
$200–$5,000
Our fastest, most flexible plan — built for the moments when you need cash for care right now. The Quick Cash Plan sits between short-term Pay-in-4 and long-term monthly financing, giving you a single application that covers most everyday healthcare bills: a chipped tooth, an unexpected vet visit, a laser package, or a same-day dermatology appointment.
Because amounts stay under $5,000, approval odds are strong across a wide range of credit profiles, and qualifying borrowers often see 0% APR offers on shorter terms. You choose a monthly payment you can actually afford before you finalize.
- Apply online in about 60 seconds — no paperwork
- Soft credit check only; your score isn't affected
- Funds available immediately once approved
- No prepayment penalty if you pay off early
Example: Finance $2,500 over 18 months at 12.99% APR → about $154 per month, with roughly $154 due at checkout as a down payment. Total finance charge over the term is approximately $272.
How approval works and what affects your rate
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Always interest-free
Pay-in-4
4 × 25%
Every approved applicant is offered Pay-in-4 as a baseline, regardless of credit profile. You pay 25% at checkout, then three more equal payments every two weeks — the entire bill is settled in six weeks with zero interest.
Pay-in-4 is the offer behind the ~90% approval headline. It's simple, transparent, and impossible to accidentally rack up interest on. No application fee, no membership, no long-term commitment.
- Offered to everyone we approve
- No application fee, no membership
- Settled in six weeks
- Impossible to accrue interest
Example: A $1,200 emergency vet bill splits into $300 at checkout, then $300 every two weeks for six weeks. Total paid: $1,200. Total interest: $0.
What happens if my approval expires?
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Best value
Monthly 0% APR
0% for 3–24 mo
When you qualify for a promotional monthly plan, the 0% APR is real — not a deferred-interest trap that back-charges you retroactively if you miss the finish line. As long as you make on-time payments through the term, you pay zero interest, period.
Term length depends on the participating provider's plan tier. Some practices offer 6-month 0% APR; others enable 12, 18, or 24 months of interest-free financing on the same purchase.
- No interest accrues during the term
- Never applied retroactively if completed on time
- Past-due payments may add interest going forward only
- Prepayment is always penalty-free
Example: Finance $4,800 in orthodontic treatment over 24 months at 0% APR → $200 per month, $200 due at checkout, $4,800 total paid.
Estimate your 0% monthly payment
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Big-ticket care
Monthly financing
Up to $65,000
For larger procedures — full-mouth reconstruction, cosmetic surgery, orthopedic care, IVF — spreading the cost over a longer term keeps the monthly payment small enough to fit your budget. Interest-bearing plans start as low as 5.99% APR for qualifying borrowers and cap at 35.99%.
Your exact APR is set at approval based on credit profile, income, and existing debt. Total finance charges are disclosed clearly before you accept — no surprises, no hidden fees.
Example: Finance $15,000 in cosmetic surgery over 60 months at 12.99% APR → about $341 per month. Total finance charge over five years is roughly $5,461.
Interest-bearing plans make sense when the longer term is what makes the payment work. If you can afford a shorter term or a promotional 0% offer, that's almost always cheaper overall.
Run the numbers in the full calculator
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Provider opt-in
Waived Interest Promotion
100% rebate
Only offered by providers who have specifically opted in. It works differently from promotional 0% APR: interest accrues as normal, but if you pay off the entire principal (plus any fees) before the Promotion End Date, you receive a credit for 100% of the accrued interest — effectively making the plan interest-free.
Two conditions must be met: every scheduled payment must be made within 15 days of its due date, and the full principal must be paid off on or before the Promotion End Date, which falls earlier than the final scheduled payment.
- Standard schedule only = no credit earned
- No prepayment penalty, no downside to trying
- Different from true 0% APR — check your agreement
- All payments must be within 15 days of due date
Example: $1,000 over 24 months at 17.8% APR with a 12-month promotion → pay off the remaining balance by month 12 and 100% of the accrued interest is credited back.
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Aesthetics partner
Allergan Allē Plan
6 mo at 0%
Members of Allergan's Allē rewards program can access payment plans directly through their Allē Wallet for eligible Botox, Juvederm, and other Allergan aesthetic treatments. Qualifying members are offered 6 months of 0% APR on select treatments (Natrelle breast implants excluded).
The application, approval preview, and checkout all happen inside the Allē app. Once approved, you select a plan length, complete the down payment, and finalize — points for eligible treatments post to your Allē account as usual.
- Apply inside the Allē app
- 6 months at 0% on select treatments
- Terms from 3 to 24 months
- Allē points still earned as usual
Example: $1,400 of Botox and filler over 6 months at 0% APR → $200 per month, $200 due at checkout, $1,400 total paid.
Botox & filler payment plans explained
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Good to know
Amounts vary by care type
$65K ceiling
Real approvals depend on provider category, the plan tier they've enabled, and your credit profile.
$50,000Dental & orthodontics
$65,000Plastic surgery
$35,000Medical aesthetics & med spa
$35,000Veterinary
$30,000Chiropractic & physical therapy
$25,000Vision, hearing & wellness
Approvals are tied to the provider where you applied — $5,000 approved at two practices is $5,000 usable across both, not $10,000. Depending on your state and plan, your agreement is either a Loan Agreement issued by our partner lending bank or a Retail Installment Sales Contract issued by the provider and serviced through our platform. Both are disclosed before you accept.
Estimate your payment
Monthly payment calculator
Adjust the amount, term, and APR to see what your payment might look like. Your actual rate is set at approval.
Estimated monthly payment
$165
Down payment (≈ one payment)$165
Total finance charge$460
Total repaid$3,960
Number of payments24
Estimate only. Actual APR, monthly payment, and down payment are determined at approval based on your credit profile, the selected plan, and the provider's plan tier.
Open the full calculator with payment tables for every amount and term
The fine print, up front
Terms, fees, and eligibility
No footnote hunting. Every number you'd want to know before applying, grouped so it's easy to scan.
Amounts & terms
- Financing range
- $200 – $65,000, varies by plan and provider category
- APR range
- 0% – 35.99%, set at approval
- Repayment term
- 6 weeks (Pay-in-4) to 60 months
- Down payment
- Typically equal to one monthly payment, due at checkout
- Approval validity
- At least 30 days from approval
- Checkout link
- Expires 7 days after the provider sends it
Fees
- Late fee
- $15 if a payment isn't received within 15 days of the due date
- NSF fee
- $15 if a payment can't be processed for insufficient funds
- Credit card fee
- 2.99% when paying by credit card; none for ACH or bank debit
- Prepayment penalty
- None — pay off any plan early at any time
- Application fee
- None
- Origination fee
- None
Credit & eligibility
- Credit check
- Soft pull at application; does not affect your score
- Credit reporting
- Weekly to Equifax, Experian, and TransUnion, starting ~30 days after your plan begins
- Late reporting
- At 30, 60, and 90 days past due; charge-off after 120 days unpaid
- Eligibility
- 18+, US resident, bank-issued debit or credit card (no prepaid), mobile number
- HSA / FSA
- Not accepted directly; pay by debit and submit the receipt for reimbursement
The process
From application to first payment
Three steps. Most people get a decision in under a minute and walk into their appointment the same day.
1
Apply in about 60 seconds
Enter basic info from any phone or laptop. We run a soft credit check — your score isn't affected. Most applicants see their approved amount immediately. Start your application →
2
Choose a plan at checkout
Your provider sends a checkout link. Preview every option — monthly payment, APR, total cost — before you accept. Pay the down payment by debit or credit card.
3
Pay monthly, on your schedule
Your provider is paid up front, usually within 2–3 business days. You pay monthly through the portal by ACH, debit, or credit. Autopay and due-date changes are one tap away. Managing your payments →
Real numbers
Sample monthly payments by treatment
Illustrative examples using typical APRs and terms for each treatment type. Your actual offer will vary — tap a treatment for the full breakdown.
Aesthetics
Botox / Dysport
$25/mo$500 · 24 mo · 0% APR OrthodonticsInvisalign
$113/mo$2,700 · 24 mo · 0% APR DentalDental implants
$146/mo$3,500 · 24 mo · 0% APR AestheticsLip filler
$63/mo$750 · 12 mo · 0% APR VeterinaryEmergency vet care
$177/mo$4,500 · 30 mo · 12.99% APR Body contouringCoolSculpting
$200/mo$4,800 · 24 mo · 0% APR Plastic surgeryBreast augmentation
$216/mo$8,500 · 48 mo · 9.99% APR Weight lossMedical weight loss
$150/mo$1,800 · 12 mo · 0% APR
Approval & reporting
What goes into a decision
There's no fixed minimum credit score. We look at the full picture — and we're transparent about what happens after you're approved.
How approval works
Underwriting looks at credit profile, income, existing debt, and payment history to decide which plan and terms you qualify for. Pay-in-4 approvals come through for roughly 90% of applicants; longer monthly plans are underwritten more selectively, and the amount and APR you're offered scale with your credit strength.
If you're declined, you'll receive an Adverse Action Letter in your account explaining the specific reasons. Denials can't be appealed, but you can reapply once the waiting period ends.
Full credit score & approval guideHow credit reporting works
Once your plan is active, we begin reporting to Equifax, Experian, and TransUnion approximately 30 days after your first payment. On-time payments help build your credit history; missed payments are reported at 30, 60, and 90 days past due.
An account unpaid for 120 days is charged off and reported as such. Paying off a charge-off updates the status to "Paid" or "Settled" but doesn't remove the entry from your report.
Why "Cherry Technologies" shows on your credit report
The alternatives
How Cherry Payment Plans stacks up
Not all healthcare financing is the same. The features that matter most, side by side.
Swipe sideways to see all four lenders →
| Cherry Payment Plans | CareCredit | Sunbit | Affirm | |
|---|---|---|---|---|
| Credit check to apply | Soft | Hard | Soft | Soft |
| True 0% APR (not deferred) | Yes | Deferred | Deferred | Yes |
| Maximum financing | $65,000 | Varies | $20,000 | $17,500 |
| Longest term | 60 months | 60 months | 72 months | 36 months |
| Retroactive interest risk | Never | Yes | Yes | Never |
| Late fee | $15 | Up to $41 | Varies | None |
| Prepayment penalty | None | None | None | None |
Based on publicly available information from each provider as of September 2026. Terms change — verify with each lender before choosing.
Also compare: Scratchpay · PatientFi · Alphaeon · every patient financing option
Where you can use it
Care types Cherry Payment Plans covers
Any provider in our network can offer financing at checkout — from routine cleanings to major surgery.
Dental & orthodonticsImplants, veneers, Invisalign
Medical aestheticsBotox, filler, laser, med spa
Plastic surgeryBreast, body, facial
DermatologyCosmetic & medical derm
VeterinaryEmergency, surgery, dental
Vision & LASIKLASIK, PRK, cataract
HearingHearing aids, tinnitus care
Chiropractic & PTRehab, sports therapy
Fertility & IVFIVF cycles, egg freezing
WellnessIV therapy, weight management
For practices
Grow your practice with Cherry Payment Plans
Approve more patients, close larger cases, and get paid up front while we handle every dollar of collection. Setup is free and takes about a day.
Partner with us Read the seller agreement, explained in plain English →- Approvals up to $65,000 per patient
- Merchant fees starting at 1.7%
- Funds in 2–3 business days
- 60-second patient application
- No hardware or software required
- Dedicated US-based support
Straight talk
The honest pros and cons
Why people choose us
- Soft credit check — checking your offer costs nothing
- True 0% APR is real, with no deferred-interest surprises
- No prepayment penalty and no origination fees
- Approvals up to $65,000 for major care
- Monthly payment shown clearly before you accept
- Weekly credit bureau reporting can help build history
Things to keep in mind
- A down payment (usually one monthly payment) is due at checkout
- $15 late fee applies after just 15 days past due
- 0% term length depends on the provider's plan tier
- Approval is tied to one provider, not portable between practices
- Missed payments are reported to all three bureaus
- Prepaid and HSA/FSA cards can't be used for direct payments
Reviews
What patients say
Excellent
4.8 / 5
MR
Michelle R.Austin, TX · 1 review
Verified2 weeks ago
Approved before I finished my coffee
My dentist quoted $4,200 for two implants and I was ready to walk out. Front desk sent a text link, I filled it in on my phone, and had a 24-month 0% plan before the consult was over. No hard pull, exactly as advertised.
Date of experience: Sep 12, 2026
DK
Daniel K.Phoenix, AZ · 1 review
Verified4 weeks ago
Saved our dog on a Sunday
Emergency vet, $1,200, and the clinic closed in an hour. Pay-in-4 split it into $300 today and three more every two weeks. Zero interest. I genuinely don't know what we would have done otherwise.
Date of experience: Aug 30, 2026
AT
Aisha T.Orlando, FL · 1 review
Verified3 weeks ago
The 0% APR was actually 0%
I've been burned by "deferred interest" cards before, so I read every line. 24 months, $113 a month, and when I paid it off in month 15 there was no fee and no catch. Credit score went up 31 points from the on-time reporting.
Date of experience: Sep 3, 2026
BM
Brandon M.Columbus, OH · 1 review
Verified1 month ago
Great option, just budget for the down payment
LASIK for both eyes at $4,400 over 60 months came out to $91/mo, which is fantastic. One thing I didn't expect: the first payment is due at checkout, so bring that with you. Otherwise the process was smooth and support answered my email the same day.
Date of experience: Aug 18, 2026
SL
Sofia L.San Diego, CA · 1 review
Verified1 week ago
Checkout inside the Allē app took two minutes
My med spa uses the Allē plan for Botox and filler. $1,400 over 6 months at 0%, approved in the app, and I still got my Allē points. Honestly easier than using my credit card.
Date of experience: Sep 20, 2026
KO
Kevin O.Nashville, TN · 1 review
Verified2 months ago
Paid off early, no fees, exactly as promised
Chiropractic package of $2,800 over 12 months. Got a bonus at work in month 5 and paid the whole thing off from the portal in about a minute. Balance cleared instantly, no penalty. That's rare.
Date of experience: Jul 27, 2026
Showing 6 of 2,341 reviews · Reviews are from verified Cherry Payment Plans customersSee all reviews
Common questions
Cherry Payment Plans FAQ
Does applying affect my credit score?
No. We run a soft credit inquiry to determine your offer, which doesn't affect your score in any way. If you accept a plan and it becomes active, we begin reporting your payment history to the bureaus within about 30 days.
Is there a minimum credit score to qualify?
No hard cutoff. Underwriting considers your full financial picture — credit history, income, existing debt, and payment behavior. Applicants with less-than-perfect credit can often still qualify for Pay-in-4 or the Quick Cash Plan. See the full credit score guide →
How is the Quick Cash Plan different from Pay-in-4?
Pay-in-4 splits your bill into four interest-free payments over six weeks and works best for amounts up to $2,000. The Quick Cash Plan covers bills from $200 to $5,000 that you'd rather spread over 3 to 24 months — a longer commitment, but a much smaller monthly payment.
Is the 0% APR real or deferred interest?
It's real. On qualifying promotional plans, no interest accrues during the term and none can be applied retroactively if you complete the plan on time. This is fundamentally different from deferred-interest programs common with medical credit cards.
What happens if I miss a payment?
A $15 late fee applies if your scheduled payment isn't received within 15 days of the due date. Missed payments are reported to Equifax, Experian, and TransUnion at 30, 60, and 90 days past due. If you know a payment will be late, contact us before the due date — we can often work out an alternative.
Can I pay off my plan early?
Yes, at any time, with no fee or penalty. Log in, choose the plan, and select "Pay off payment plan." The full remaining balance clears immediately. Step-by-step →
Can I use my HSA or FSA to pay?
Not directly — HSA and FSA cards can't be used inside the payment portal. You can pay with a regular debit card, then submit the receipt to your HSA or FSA administrator for reimbursement.
How long is my approval good for?
Approvals are valid for at least 30 days, sometimes longer depending on the provider. The exact expiration is shown on the Applications page of your account. If it expires, you can quickly reapply with the same soft credit check. More on approvals and checkout links →
Can I use one approval at multiple providers?
Each approval is tied to the specific provider where you applied. If you're approved for $5,000 at two providers, your total available financing is still $5,000 — you can split it between them but not exceed the maximum.
What if I was denied? Can I appeal?
Denials can't be appealed or reversed. You'll receive an Adverse Action Letter in your account explaining the reasons — usually credit score, history, income, or debt-to-income ratio. If you believe there's an error on your credit report, contact the bureaus before reapplying. Why applications get declined →
Who is my agreement actually with?
Depending on the plan and your state, your paperwork is either a Loan Agreement issued by our partner lending bank or a Retail Installment Sales Contract issued by the participating provider and serviced by us. The specific document is disclosed before you accept. Read our disclosures →
How does Cherry compare to CareCredit?
The biggest differences: Cherry uses a soft credit check while CareCredit runs a hard inquiry, and Cherry's 0% APR plans are true 0% rather than deferred interest that can be charged retroactively. Full Cherry vs CareCredit comparison →
Can I use Cherry for Botox, filler, or other med spa treatments?
Yes — medical aesthetics is one of the largest categories on the platform, and Allē members can even check out inside the Allē app. See med spa payment plans →
How do I log in to my account?
Log in with the mobile number you used at application. We text you a verification code to sign in. If you're having trouble, our support team can reset your access.
Ready when you are.
Start with a soft check and see your offer in about 60 seconds — before you commit to anything.
Apply for $200–$5,000- [email protected]
- Support Mon–Sat, 8am–8pm ET
- Help center & live chat
