Dental financing with
Cherry Payment Plans
Implants, Invisalign, veneers, crowns — split any dental bill into monthly payments with a soft credit check and true 0% APR options for qualifying patients. Decision in about 60 seconds, right from the dental chair.
What your smile costs per month
Typical fees from US dental practices, shown as a monthly plan. Tap a treatment for the full breakdown, approval tips, and real patient scenarios.
Common dental procedures, three ways to pay
Average US out-of-pocket costs with the monthly payment at 12, 24 and 60 months. 12 and 24-month figures assume a qualifying 0% APR plan; 60 months assumes 12.99% APR.
From consult to new smile in three steps
Get your treatment plan
Your dentist quotes the work. Ask for their Cherry link or apply from this page — the soft check takes about a minute and shows your approved amount.
Choose a term that fits
Pick Pay-in-4 for smaller visits, a 0% monthly plan for implants or aligners, or a longer term for full-mouth work. Preview every option before you accept.
Start treatment the same day
Your practice is paid up front, so there's no waiting. Pay monthly from the portal, change your due date any time, and pay off early with no fee.
Built for the dental chair, not the credit card aisle
Dentists prefer Cherry because patients say yes to treatment more often — and no one gets surprised by deferred interest six months later.
- Soft credit check — patients with limited or imperfect credit still get a Pay-in-4 offer
- True 0% APR up to 24 months when the practice enables it
- Approvals up to $50,000 cover full-mouth and implant cases
- No prepayment penalty — finish early after insurance reimburses
- Compare it to the dental card most offices already have: Cherry vs CareCredit · Cherry vs Sunbit
Questions dental patients ask most
How much dental work can I finance with Cherry Payment Plans?
Dental and orthodontic practices typically offer approvals up to $50,000. Your personal limit depends on the practice's plan tier and your credit profile — most patients see their amount within a minute of applying.
Is there a 0% APR option for dental implants or Invisalign?
Yes. Qualifying patients can get true 0% APR for 3 to 24 months depending on the practice. Unlike deferred-interest cards, nothing is charged retroactively if you finish the plan on time.
Does applying affect my credit score?
No. Cherry uses a soft credit check, so checking your offer has no impact on your score. Your plan is reported to the bureaus only after it starts.
Can I use one approval across several appointments?
Yes — your approval is good for at least 30 days and can be used for multiple visits at the same practice, as long as the total stays within your approved amount.
What if my dentist doesn't offer Cherry yet?
Ask the front desk — practices can be live within a day. You can also find a participating dentist near you with the provider finder before you book.
Do I need a down payment?
Usually one monthly payment is collected at checkout. For a $146/month implant plan, that's $146 on the day of treatment and the rest spread over the term.
Check your offer before you sit in the chair
Soft credit check, decision in about 60 seconds, approvals up to $50,000 for dental work. Nothing is reported to the bureaus until you accept a plan.