Top Choice for Chiropractors and Physical Therapists

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.

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.

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

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.

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.