Cherry payment calculator
Set the amount, term and APR to see the monthly payment, down payment and total cost. Then scroll for ready-made tables at 0%, 9.99% and 12.99% — and a table that works backwards from the payment you can afford.
Estimate only. Actual APR, monthly payment and down payment are set at approval based on your credit profile, the plan you choose and the practice's plan tier.
Monthly payment by amount and term
0% applies to promotional plans up to 24 months. 9.99% and 12.99% are typical interest-bearing rates; your rate may be lower (from 5.99%) or higher (to 35.99%).
| Amount | 6 mo | 12 mo | 24 mo | 36 mo | 48 mo | 60 mo |
|---|---|---|---|---|---|---|
| $1,000 | $167 | $83 | $42 | — | — | — |
| $1,500 | $250 | $125 | $62 | — | — | — |
| $2,500 | $417 | $208 | $104 | — | — | — |
| $3,500 | $583 | $292 | $146 | — | — | — |
| $5,000 | $833 | $417 | $208 | — | — | — |
| $7,500 | $1,250 | $625 | $312 | — | — | — |
| $10,000 | $1,667 | $833 | $417 | — | — | — |
| $15,000 | $2,500 | $1,250 | $625 | — | — | — |
| $25,000 | $4,167 | $2,083 | $1,042 | — | — | — |
| Amount | 6 mo | 12 mo | 24 mo | 36 mo | 48 mo | 60 mo |
|---|---|---|---|---|---|---|
| $1,000 | $172 | $88 | $46 | $32 | $25 | $21 |
| $1,500 | $257 | $132 | $69 | $48 | $38 | $32 |
| $2,500 | $429 | $220 | $115 | $81 | $63 | $53 |
| $3,500 | $600 | $308 | $161 | $113 | $89 | $74 |
| $5,000 | $858 | $440 | $231 | $161 | $127 | $106 |
| $7,500 | $1,287 | $659 | $346 | $242 | $190 | $159 |
| $10,000 | $1,716 | $879 | $461 | $323 | $254 | $212 |
| $15,000 | $2,573 | $1,319 | $692 | $484 | $380 | $319 |
| $25,000 | $4,289 | $2,198 | $1,154 | $807 | $634 | $531 |
| Amount | 6 mo | 12 mo | 24 mo | 36 mo | 48 mo | 60 mo |
|---|---|---|---|---|---|---|
| $1,000 | $173 | $89 | $48 | $34 | $27 | $23 |
| $1,500 | $260 | $134 | $71 | $51 | $40 | $34 |
| $2,500 | $433 | $223 | $119 | $84 | $67 | $57 |
| $3,500 | $606 | $313 | $166 | $118 | $94 | $80 |
| $5,000 | $865 | $447 | $238 | $168 | $134 | $114 |
| $7,500 | $1,298 | $670 | $357 | $253 | $201 | $171 |
| $10,000 | $1,730 | $893 | $475 | $337 | $268 | $227 |
| $15,000 | $2,596 | $1,340 | $713 | $505 | $402 | $341 |
| $25,000 | $4,326 | $2,233 | $1,188 | $842 | $671 | $569 |
How much can a monthly budget finance?
Pick the payment you can afford; read across for the amount it covers at each term and rate.
| Budget | 12 mo · 0% | 24 mo · 0% | 36 mo · 9.99% | 48 mo · 12.99% | 60 mo · 12.99% |
|---|---|---|---|---|---|
| $50/mo | $600 | $1,200 | $1,550 | $1,864 | $2,198 |
| $100/mo | $1,200 | $2,400 | $3,100 | $3,728 | $4,396 |
| $150/mo | $1,800 | $3,600 | $4,649 | $5,592 | $6,594 |
| $200/mo | $2,400 | $4,800 | $6,199 | $7,456 | $8,792 |
| $300/mo | $3,600 | $7,200 | $9,299 | $11,185 | $13,188 |
| $500/mo | $6,000 | $12,000 | $15,498 | $18,641 | $21,980 |
Three things the calculator assumes
Down payment ≈ one monthly payment. Collected at checkout and counted in the total. Pay-in-4 collects 25% instead.
Fixed rate, fixed schedule. Interest-bearing plans are simple-interest amortising loans — no compounding surprises, no deferred interest.
No fees in the math. There are none to add: no origination, application or prepayment fee. A $15 late fee applies only after 15 days late.
Payment = P × r ÷ (1 − (1 + r)−n)P = amount financed · r = APR ÷ 12 · n = number of months. At 0% the formula collapses to P ÷ n. Results are rounded to the nearest dollar, which is why a table cell can differ by $1 from your statement.
The real number takes about a minute
- Soft credit check — no impact on your score
- Your approved amount and the terms your practice enables, on screen
- Every option previewed with its payment before you accept
Reading the results
How is the monthly payment calculated?
What's the down payment?
Which APR should I pick?
Why doesn't the calculator show my real offer?
Does a longer term always cost more?
Can I pay more than the monthly amount?
Worked examples by treatment: implants · Invisalign · CoolSculpting · breast augmentation