Beauty & Spa

Top Choice for Beauticians & Spas

Treat more clients with Cherry Payment Plans for expenses up to $30,000. Payment plans range from 6 weeks of always interest-free to 60 months with qualifying 0% APR.

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Reduce merchant fees by as much as 50%

Increase case acceptance by 50%

Get paid 100% upfront

Approve up to 90% of patients for a zero-interest offer

More Patients,More Treatments,
More Happiness.

+50% increase
in case acceptance

+67% increase
in ticket size

~90% industry-leading
patient approval rate

Approvals exclusive
to your practice

BOOK YOUR FREE DEMO

Save on Time & Money

Lower your
merchant fees

Save as much as 50% on your merchant processing fees.

Get paid
upfront

Receive full payment in 2-3 business days. Easily improve your cash flow.

Reduce billing
headaches

Cherry handles repayment directly with your patient, so you can focus on providing care.

BOOK YOUR FREE DEMO

Beauty & Spa Provider FAQs

What is Cherry?

Cherry is a payment plan provider built specifically for healthcare and wellness businesses. It gives day spas, salons, and specialty beauty studios a way to offer clients flexible, transparent financing instead of requiring one lump-sum payment. Clients pick a plan that fits their budget, whether that's a short Pay in 4 option or a longer monthly term, and move forward with their treatment or booking without delay.

Your business is paid in full upfront, and Cherry takes on the job of collecting repayment from the client over time. There’s no risk to you and no financial burden for the customer. That separation is what lets beauty and spa businesses grow ticket size and treatment volume while keeping billing and credit risk off their own plate. At practices where Cherry is offered among its competitors, Cherry is offered first to patients more than 80% of the time.

How does Cherry work?

Getting a client from consult to booked treatment takes four steps:

They fill out Cherry's application in about 35 seconds, which only requires a soft credit check and does not hurt their credit score.
If approved (Cherry approves up to 90% of patients across credit scores), the client is shown financing options suited to their situation, from an always interest-free Pay in 4 plan to longer terms with true qualifying 0% APR.
Your business gets paid in full, minus the merchant fee (which is the lowest in the industry), typically within 2-3 business days of the transaction.
From there, Cherry owns the repayment relationship, collecting scheduled payments directly from the client.

Why should beauty and spa businesses offer Cherry financing?

Beauty and spa treatments are almost always paid out of pocket, and price is frequently the deciding factor in whether a client books a $150 facial versus a $1,500 laser hair removal package. Financing removes that decision point by breaking the total into payments that are tailored to a client's monthly budget. That tends to show up as bigger average tickets, fewer no-shows, and fewer canceled or downgraded appointments. Cherry helps providers with:

A 35-second application that doesn’t hurt credit score
Instant approval decisions at the point of care
Plans up to $30,000 with terms as long as 60 months
Approval rates up to 90% across a wide range of credit profiles
No deferred interest, compounding interest, or hidden fees
Upfront payment to your practice within 2-3 business days
Approvals exclusive to your business, so a client can't take a Cherry plan approved at your practice and spend it elsewhere
The lowest merchant fees in the industry

These are just a few of the reasons why Cherry is offered first over its competitors more than 80% of the time.

What should we look for when choosing a patient financing partner?

A few things matter most:

How fast clients can apply and get approved
Whether the credit check is soft or hard
How flexible loan amounts and terms are
How quickly your business gets funded
Whether the financing carries deferred interest or hidden fees
What support looks like once a plan is in place

Cherry checks each of those boxes with a ~35-second soft-check application, loan amounts up to $30,000 for beauty services and terms as long as 60 months, funding within 2-3 business days, true 0% APR options with no deferred interest, and US-based support available to your business as well as your clients for the life of the plan.

What beauty and spa services are eligible for Cherry Payment Plans?

Cherry works across nearly every corner of the beauty and spa industry. Services clients commonly finance through Cherry include:

Day spa treatments and multi-visit spa packages
Massage therapy sessions, series, and membership plans
Non-surgical hair restoration, including PRP and low-level laser therapy
Permanent makeup, including microblading and lip blushing
Salon services such as hair extensions, color, and premium styling
Scalp micropigmentation
Tattoo removal

Because many of these treatments are sold as multi-session packages rather than single visits, Cherry can finance the full package as one purchase rather than requiring a new application at every appointment.

Can clients use Cherry to pay a deposit before their appointment or treatment series?

Yes. Clients can use an approved Cherry plan to cover a deposit at the time of booking, then apply the remaining balance to the rest of their treatment series or package. This is especially useful for services like laser hair removal, tattoo removal, and hair restoration, where clients commit to a full course of sessions rather than a single visit.

What financing options and loan terms are available?

Cherry plans for beauty and spa services max out at $30,000 and can be paid back over as little as a few weeks or as long as 60 months. The shortest option, Pay in 4, is always interest-free. Longer monthly plans carry a fixed rate with true 0% APR available to qualified borrowers, and every plan is free of deferred or compounding interest.

How quickly can beauty and spa businesses integrate Cherry?

Most businesses are up and running with Cherry the same day they sign up, with nothing to install and no disruption to your existing checkout process. We also equip your front desk and marketing team with ready-made materials to introduce financing to clients at booking or checkout.

How long does the application and approval process take?

About 35 seconds, start to finish. Clients apply from their phone or in person, Cherry runs a soft credit check that never affects their score, and they get a decision instantly.

What is your approval rate?

Up to 90% of applicants are approved across a wide range of credit backgrounds, which means fewer clients walking away from a treatment plan because financing wasn't an option.

Does Cherry perform a hard credit check?

Never. Every application, whether it's a first-time client or a returning one applying for a new plan, runs on a soft credit check that does not hurt credit score.

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Is our business responsible if a client doesn't make payments?

No. Once Cherry approves and funds a plan, any missed or defaulted payments are Cherry's problem to manage, not yours. That's the core difference between financing through Cherry and running payment plans in-house, where your business would carry that risk directly.

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How do clients make down payments?

At checkout, clients cover an amount equal to their first installment using a debit card, major credit card, or ACH transfer. A 2.99% fee applies to credit card payments; debit and ACH have none. Prepaid cards, including gift cards, aren't accepted.

Are there any fees for our business?

None beyond a per-transaction merchant fee, which is the lowest in the healthcare financing industry. There's no signup cost, no annual fee, and nothing charged just for having Cherry available to clients.

Can clients manage their payment plans online?

Yes, through a self-service dashboard where they can update payment methods, check their balance, and see upcoming due dates without calling your office.

Who handles customer service?

Cherry's US-based support team fields client questions about payments, rates, and account details directly, so your staff isn't stuck troubleshooting billing issues on top of running the business. That support doesn't stop once a plan is funded — your business has the same access to help with a specific transaction or account question down the line.

Can clients use Cherry alongside spa packages, memberships, or gift cards?

Yes. A Cherry plan can cover whatever balance is left after applying a membership credit, package discount, or gift card, so clients aren't limited to paying entirely out of pocket for anything not already covered.

How does Cherry compare to other ways clients pay for beauty and spa services?

Cherry is built specifically for higher-cost treatments, funds your business upfront, and never requires the hard credit pull that comes with a personal loan or store credit card. Retail buy now, pay later apps like Afterpay and Klarna weren't built for the ticket sizes or session-based structure of spa and beauty treatments, and gift cards or store credit tie value to future visits instead of putting cash in your business today.

How is Cherry different from CareCredit, PatientFi, and other financing partners?

Cherry skips the revolving-balance, deferred-interest structure that CareCredit's card relies on, and approves a broader range of credit profiles than PatientFi and similar aesthetics-focused platforms, at lower merchant fees. That combination is a large part of why providers pick Cherry first more often in head-to-head comparisons.

Can smaller or independent beauty and spa businesses offer the same financing as larger chains?

Yes. Cherry doesn't require minimum transaction volumes, exclusivity agreements, or franchise-level scale to participate. A solo esthetician and a multi-location spa group get the same approval rates, technology, and merchant pricing, so smaller businesses can compete for the same clients without being priced out of offering financing.

What kind of business owners benefit from Cherry?

Cherry fits any beauty or spa business that sells treatments people save up for, from a solo esthetician running a permanent makeup studio to a multi-location salon group. It helps these businesses convert more consultations into booked appointments, raise average spend per visit, and keep cash flow steady regardless of how a client chooses to pay.

What happens if a refund is needed?

Refunds run through your Cherry Provider Portal and can be full or partial, as long as the request comes within 60 days of the original transaction. After that window, it's between your business and the client directly.

Full Refunds: Cancels the client's contract, credits any remaining balance to the client, and reimburses your business for processing fees.
Partial Refunds: Credits the client for the specified amount (capped at the remaining balance) and prorates your fee reimbursement accordingly. Can be repeated as needed, up to the full remaining balance.

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