Clinical Medicine

Top Choice for Clinical Medicine

Help patients get the best care possible and make critical treatments accessible. With Cherry Payment Plans, patients can pay over time with approvals up to $35,000.

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

Clinical Medicine Provider FAQs

What is Cherry?

Cherry is a healthcare financing platform built to work across health and wellness specialties — from allergy and immunology to cardiology, orthopedics, and many others. It gives patients a way to break the cost of care into monthly or weekly payments, no matter their treatment needs. A patient facing an imaging bill and one starting a course of dermatology treatment both go through the same simple application.

Cherry pays your practice the full amount up front, while the patient repays Cherry over time. Not only does this allow practices to offer a consistent financing experience across every department, but it also helps enhance cash flow while expanding treatment acceptance.

How does Cherry work?

The process is the same across every specialty Cherry supports:

Applying triggers a soft credit pull, never a hard one, and the whole process only takes about 35 seconds.
Approval decisions are instant, and if approved, patients can shop plan types right away — from a zero-interest Pay in 4 option, or longer monthly terms with true qualifying 0% APR.
Two to three business days later, the full amount lands in your account — all you pay is a merchant fee (the lowest in the industry).
Cherry takes care of the rest — collecting each scheduled payment from the patient going forward and offloading any default risk from the practice.

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

Why should clinical medicine practices offer Cherry financing?

Specialty care often comes with a cost patients didn't budget for that visit — an MRI, a dermatology procedure, or a round of allergy testing can run well past what someone expected to pay.

When cost is the obstacle, patients cancel, delay, or skip the recommended plan of care altogether. Financing takes that sticker shock out of the equation, which tends to show up as fewer no-shows and more completed treatment plans across every specialty a practice offers. Practices that add Cherry get:

An application process that takes seconds — not days — with zero impact on credit score
Real-time approval, whether that's online or during checkout
Financing up to $35,000 with repayment terms as long as 60 months
Approval rates as high as 90% across all credit profiles
Terms that stay fixed — no compounding or deferred interest, no hidden fees
Upfront payment to your practice within 2-3 days
Financing that's exclusive to your practice and can't be spent anywhere else
Merchant fees that are the lowest in the healthcare financing industry

What specialties and services are eligible for Cherry Payment Plans?

Cherry supports patient financing across the full breadth of specialty and general medical care, including:

Allergy & Immunology testing and treatment
Ambulatory surgery center procedures
Cardiology diagnostics and procedures
Dermatology treatments, both medical and cosmetic
Durable medical equipment, including wheelchairs, CPAP machines, and mobility aids
Gastroenterology procedures and ongoing GI care
Imaging services, including MRI, CT, and ultrasound
Laboratory testing and diagnostics
Neurology care and treatment
OB-GYN services
Orthopedic care, from bracing to joint procedures
Podiatry treatment
Primary care visits and preventive services
Prosthetics and orthotics
Sleep medicine, including sleep studies and CPAP equipment
Urology care and procedures
Vein clinic treatments

Because these specialties differ so widely in cost and treatment timeline, Cherry works the same way for a $200 lab panel and a $15,000 surgical procedure alike.

Which platform makes it easiest to manage patient payments and get paid upfront as a provider?

Cherry takes patient payment management entirely off your practice's plate: once a plan is approved and funded, every scheduled payment, reminder, and account question happens directly between Cherry and the patient — which means your team is never responsible for administrative tasks. That's the piece that's hardest to manage in-house — tracking installments, sending reminders, and reconciling partial balances for months after the visit is over.

What healthcare financing platform is best for multi-specialty practices that see a wide range of patients?

Cherry's terms range from a few hundred dollars up to $35,000 with the same application and approval process regardless of specialty, so a multi-specialty group doesn't need a different financing partner per department. That matters because a cardiology patient and an OB-GYN patient seen an hour apart can carry completely different costs and treatment timelines, and Cherry handles both the same way.

What financing options and loan terms are available?

The maximum plan size is $35,000. Pay in 4 covers the short-term side with zero interest over just a few weeks. For something longer, monthly plans extend out to 60 months at a fixed, true 0% APR for patients who qualify, with the rate locked in from day one and no retroactive surprises later.

How quickly can practices integrate Cherry?

Generally, practices can integrate Cherry the same day they sign up — from start to finish — without interfering with existing systems or workflows. Cherry rounds that out with front-desk and digital marketing materials, so every department introduces financing the same consistent way.

How long does the application and approval process take?

About 35 seconds. A patient applies from their phone or right at your front desk, Cherry runs a soft credit check only, and the approval decision comes back almost immediately.

What is your approval rate?

Nine out of ten applicants, roughly, come back approved — a spread wide enough to hold up across specialties where patient demographics and treatment costs look nothing alike from one department to the next.

Does Cherry perform a hard credit check?

Never. Every application runs through a soft credit pull only, and a patient's score is unaffected no matter the specialist they’re seeking care from.

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

No. The moment a plan is funded, credit risk transfers entirely to Cherry — if a payment is ever missed down the road, it's not a problem that reaches your billing desk. Compare that to an in-house plan, where that exact loss would come out of your practice instead.

How do patients make down payments?

Debit, credit, and ACH are all accepted for that first payment, due at checkout. Credit card users see a 2.99% fee added that debit and ACH avoid entirely. One thing that won't work: a prepaid card of any kind.

Are there any fees for our practice?

Cherry charges practices exactly one thing: a merchant fee assessed per transaction, which is the lowest in the industry. There's no signup fee and no annual fee — offering Cherry to patients doesn't cost anything on its own.

Can patients manage their payment plans online?

Yes — patients handle everything through an online account: updating a payment method, checking their balance, or confirming when the next payment is due, without needing to contact your office.

Who handles customer service?

Cherry's US-based team fields every patient question about their plan directly — payments, rates, account changes, all of it. If your practice needs help with a transaction after it's been funded, that same team is reachable for you too, so billing questions never land on clinical staff.

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

Yes. Coverage varies enormously across these specialties — imaging, durable medical equipment, and specialist visits often carry high deductibles or coinsurance even with insurance in place, and some services, like elective dermatology or certain orthotics, may not be covered at all. Financing helps patients cover whatever insurance leaves behind, without your practice needing to track what each patient's plan does or doesn't pay for.

Can Cherry finance the full cost of a procedure, including facility or equipment charges?

Yes. For procedures that bundle multiple charges together — a same-day surgery center fee alongside anesthesia, or durable medical equipment alongside a fitting appointment — Cherry can finance the total as one plan rather than splitting it into separate transactions your patient has to track individually.

How does Cherry compare to other ways patients pay for specialty care?

Cherry's plans are flexible, funded fast, and applying never hurts credit score — unlike the credit card or personal loan patients often default to instead. A credit card carries revolving interest that compounds if a balance isn't paid off, and a personal loan involves a hard credit inquiry with underwriting that can take days.

How is Cherry different from CareCredit, LendingUSA, and Happen Bank?

Cherry carries none of the retroactive deferred-interest risk built into CareCredit's revolving card, and approves more patients than general healthcare lenders like LendingUSA and Happen Bank (formerly LendingClub), which typically run harder credit pulls. Between wider approval criteria and lower merchant costs, Cherry ends up the first choice for practices weighing all three.

What kind of practices benefit most from Cherry?

Cherry fits everything from a single-specialty office — a solo podiatrist or a small dermatology practice — to a large multi-department health system running cardiology, imaging, and primary care under one roof. Any practice where patients face a bill bigger than they expected benefits from having financing ready at checkout.

What happens if a refund is needed?

Refunds are processed through the Cherry Provider Portal within 60 days of the transaction date. After that cutoff, it must be worked out between the practice and the patient.

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Top Choice for Clinical Medicine

The (Almost) 5 Star Payment Plan Company

The (Almost) 5 Star Payment Plan Company

More Patients,More Treatments,
More Happiness.

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