Grow your practice with Cherry Payment Plans
Approve roughly 90% of patients with a soft credit check, offer true 0% APR without deferred-interest surprises, and get funded in 2–3 business days while Cherry handles every dollar of collection. No hardware, no monthly fee, live within a day.
More yeses at the treatment plan
The front desk's job is to say "we have a payment plan for that." Cherry makes it a sentence patients actually believe.
Soft credit check
No hard inquiry means patients check their offer without hesitation. More applications started, more treatment plans accepted.
True 0% APR options
No deferred or retroactive interest. Patients who were burned by store cards say yes to a plan they understand.
Paid up front
Funding by ACH in 2–3 business days. Repayment risk sits with the lender; you're only responsible for refunds and chargebacks.
No hardware
A link or QR code on your counter, website and estimates. Your team manages checkouts and refunds from a web portal.
Bigger cases close
Approvals up to $65,000 and terms to 60 months turn a $12,000 quote into a $255 monthly decision.
Marketing kit included
Brochures, social templates, email copy and in-office signage for every vertical — plus Spanish-language versions.
Pick the plans you want to offer
No monthly fee. A transaction fee is deducted from each funding; the more promotional 0% months you enable, the higher the fee. Illustrative tiers — exact rates are set in your agreement.
Pay-in-4 + interest-bearing
- Pay-in-4 at 0% for the patient
- Monthly plans 5.99%–35.99% APR
- Terms to 60 months
0% APR to 12 months
- Everything in Essentials
- True 0% APR up to 12 months
- Higher acceptance on elective care
0% APR to 24 months
- Everything in Promotional
- True 0% APR up to 24 months
- Largest monthly-payment drop
Fees are taken as net funding and can include a Risk Adjustment if Cherry is offered as second-look. How the seller agreement handles fees, refunds and reserves
Approval caps by practice type
Implants, aligners, full-mouth
$50,000max approval Plastic surgeryAugmentation, BBL, makeovers
$65,000max approval · 60 months Medical aestheticsInjectables, lasers, GLP-1
$35,000max approval · Allē partner VeterinaryEmergency, surgery, oncology
$35,000max approvalChiropractic and physical therapy $30,000 · vision, hearing and wellness $25,000
From signature to first checkout in three steps
Sign and set up
Business details, bank account for ACH funding, choose the plan tiers you'll offer and add team logins.
About an hourShare your link
Unique application link and QR code on your counter, estimates, website and texts. Patients apply on their own phone.
Same dayCheck out and get paid
Send the checkout link for the treatment amount, patient picks a term and pays the down payment, you're funded in 2–3 days.
Live within 1 dayCherry vs the card most offices already have
| Cherry Payment Plans | CareCredit | In-house plans | |
|---|---|---|---|
| Patient credit check | Soft — no score impact | Hard inquiry | None |
| Approval rate | ~90% (Pay-in-4) | Varies, stricter | Practice's risk |
| 0% APR structure | True 0%, never retroactive | Deferred interest | n/a |
| Who collects | Cherry — practice paid in 2–3 days | Card issuer | Your front desk |
| Max per patient | Up to $65,000 | Credit limit varies | Practice decides |
| Monthly software fee | None | None | Staff time |
Patient-side comparisons: Cherry vs CareCredit · vs Sunbit · vs Scratchpay
Know a practice that should offer Cherry?
Practices that refer another business earn a referral bonus once it goes live — up to $1,000 per referral under the current program. Ask your account manager for your referral link.
What practice owners ask first
What does Cherry cost a practice?
How fast is the practice paid?
What is the first-look requirement?
Do I need hardware or an integration?
What happens if a patient asks for a refund?
How long does setup take?
See it from the front desk's side
A 20-minute walkthrough of the portal, the patient flow and your fee tiers — then decide. Most practices are live the next day.