Chiropractors & Physical Therapy

Top Choice for Chiropractors and Physical Therapists

Treat more patients 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

Chiropractic & Physical Therapy Provider FAQs

What is Cherry?

Cherry is the payment plan platform built for health and wellness providers — including chiropractic, pain management, physical therapy, and regenerative medicine practices. It gives patients a way to spread the cost of care into monthly or weekly payments instead of paying the full amount up front. Patients can use Cherry for a single adjustment or an extended treatment plan, choosing the repayment term that fits their budget before care even starts.

Cherry pays your practice in full upfront, while the patient repays Cherry over time. This gives patients an easier way to commit to a full course of care while enhancing your cash flow and freeing your front desk from tracking installments or chasing missed payments in-house.

How does Cherry work?

From a patient's first application to your practice getting funded, the process runs in four steps:

The patient's application takes about 35 seconds and only involves a soft credit check, so their credit score never takes a hit.
Once approved, they choose from a variety of terms — a shorter, always-interest-free Pay in 4 option or a longer monthly plan (up to 60 months) with true qualifying 0% APR.
Your practice sees the money in 2-3 business days and pays only a merchant fee (the lowest in the healthcare financing industry) — no waiting on the patient's repayment schedule.
Cherry manages repayment directly with the patient from there, on a schedule they chose.

Why should chiropractic and physical therapy practices offer Cherry financing?

Large treatment plans are where cost objections do the most damage. A patient might agree to an initial adjustment, but a multi-week treatment plan for a chronic issue is a bigger ask, and price is often the reason patients stop coming back before a course of care is finished. Spreading that cost into predictable payments tends to reduce no-shows and mid-treatment drop-off, and keeps patients on the plan their provider actually recommended. Practices that offer Cherry see:

An application that takes about 35 seconds and never hurts credit score
Approval decisions delivered instantly — online or at the point of care
Up to $30,000 in financing, repayable over as long as 60 months
Up to 90% approval rate across all credit profiles
No surprise costs like deferred interest or compounding interest
Upfront payment to your practice within 2-3 business days
Plan approvals that belong to your practice alone
Merchant fees among the lowest of any financing partner

These are just some of the reasons that Cherry is offered first over its competitors more than 80% of the time.

What chiropractic and related services are eligible for Cherry Payment Plans?

Cherry covers the full range of care across chiropractic, pain management, physical therapy, and regenerative medicine, including:

Chiropractic adjustments and spinal manipulation, including ongoing care plans
Pain management treatments, injections, and multi-visit protocols
Physical therapy sessions, rehabilitation programs, and post-injury recovery plans
Regenerative medicine treatments such as PRP and other orthobiologic therapies
Complementary care often bundled into a treatment plan, including massage or therapeutic modalities

Can Cherry finance an ongoing treatment plan rather than a single visit?

Yes. Chiropractic, pain management, and physical therapy care is often recommended as a series of visits over several weeks or months rather than a one-time appointment. Cherry can finance the full recommended plan of care as a single approved amount, so your practice isn't asking a patient to reapply or re-qualify at every visit.

What financing options and loan terms are available?

The ceiling is $30,000 per plan. On the short end, Pay in 4 carries zero interest; on the long end, a monthly plan can run five years with a fixed, true 0% APR for qualifying patients. Neither option ever tacks on deferred interest charges or compounding interest down the road.

Which financing option has the fastest application and funding process for chiropractic practices?

Cherry's patient application takes about 35 seconds, and once approved, your practice is funded within 2-3 business days — among the fastest turnaround times of any healthcare financing platform. There's no lengthy underwriting on the practice side either: sign up, get your application link, and you can offer financing at your very next patient visit.

How quickly can chiropractic and physical therapy practices integrate Cherry?

From signup to going live — most practices can do it all the same day, and there's no software integration or workflow disruption on your end. Cherry also provides marketing materials your front desk can use to introduce financing during check-in or when discussing a treatment plan.

How long does the application and approval process take?

Roughly 35 seconds is all it takes. A patient applies on their phone or in your office, Cherry checks eligibility with a soft credit pull that never hurts credit score, and the decision comes back immediately.

What is your approval rate?

Around 90% of applicants get approved, spanning a broad mix of credit histories — so cost isn't the reason a recommended treatment plan gets turned down.

Does Cherry perform a hard credit check?

Never. Whether someone's applying for their first round of care or coming back for a new plan later, Cherry checks eligibility with a soft pull only — their credit score is never hurt.

Is our practice responsible if a patient doesn't make payments?

No. Cherry takes on the credit risk once a plan is funded, so a missed or defaulted payment is never something your business is on the hook for. Cherry removes the risk of in-house financing entirely.

How do patients make down payments?

A debit card, credit card, or ACH transfer all work for the initial payment, due at the time of checkout. Paying by credit card adds a 2.99% processing fee — debit and ACH are fee-free — and prepaid cards aren't an option here.

Are there any fees for our practice?

A merchant fee applies per transaction, but it’s the lowest in the healthcare financing industry. Signing up, keeping your account active, and simply having Cherry available to patients cost your practice nothing extra.

Can patients manage their payment plans online?

Yes. Patients log into an online account to update their payment method, check what they owe, and see when the next payment is due — no phone call to your office required.

Who handles customer service?

Patients call, email, or chat with a US-based Cherry team for anything related to their plan — rates, due dates, or account changes. Your practice can reach that same team directly if a specific transaction needs a second look after it's funded, so nobody on your staff has to become a billing expert.

Are patients with insurance eligible, and why would they still need financing?

Yes. Most insurance plans that cover chiropractic or physical therapy care still cap the number of visits per year, apply a deductible before benefits start, or require a co-pay every visit — and many patients are paying entirely out of pocket regardless of coverage. Financing helps close that gap, and it's especially useful for auto accident or workers' compensation cases, where treatment often needs to start well before a claim or reimbursement is settled.

How does Cherry compare to other ways patients pay for chiropractic and physical therapy care?

Cherry collects nothing after the fact, runs only a soft credit check, and builds financing around a treatment plan. That's different from an in-house plan, which leaves your practice chasing every payment yourself, or a personal loan, which means a hard credit pull and a wait that can stretch several days.

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

Cherry never charges the retroactive interest that CareCredit does, and approves a wider swath of applicants than LendingUSA or Happen Bank (formerly LendingClub), both of which typically lean on hard credit pulls. That's a big part of why more practices choose Cherry first when comparing financing partners.

What kind of business owners benefit from Cherry?

Cherry works well for solo chiropractors and large multi-location pain management or physical therapy groups alike — really any practice where patients commit to a recommended plan of care rather than a single low-cost visit. It helps drive more consultations into active treatment, keeps patients through the full course of care instead of dropping off early, and keeps cash flow predictable no matter how a given patient chooses to pay.

What happens if a refund is needed?

Refunds are processed through the Cherry Provider Portal within 60 days of the original transaction, full or partial. After that window closes, it's between your practice and the patient directly.

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Top Choice for Chiropractors and Physical Therapists

The (Almost) 5 Star Payment Plan Company

The (Almost) 5 Star Payment Plan Company

More Patients,More Treatments,
More Happiness.

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