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Application
How do I apply for Cherry?
Ask your practice for their unique Cherry application link or find it online.
How do I know who accepts Cherry?
You can check out our Practice Finder tool to find a location near you and apply!
Does applying for Cherry affect my credit score, and when does my payment activity start reporting?
Cherry applications involve a soft credit pull, which does not impact your credit score. Once a contract is confirmed, it is typically reported to credit bureaus within 60-90 days. The impact of your active contract on your credit report may vary depending on each credit bureau.
Can I apply with multiple practices at the same time?
Yes, however, once you’re approved, you’re approved for the maximum amount you can use with Cherry at that practice at the given time.
For example, if you’re approved for $5,000 with Practice A and $5,000 with Practice B, your total financing available with Cherry will be $5,000. You may choose how you’d like to allocate those funds amongst the practices, but you will not be able to exceed the total of $5,000.
How do I know who accepts Cherry?
You can check out our Practice Finder tool to find a location near you!
I received an error message when trying to pay, what can I do?
Please attempt to validate your payment method by logging into your account, if you are unable to process your payment successfully please contact us at 888-612-2142 where one of our payment specialists will be able to help.
Why was I charged a fee?
Dishonored payment fees of $15.00 may apply if a scheduled payment is returned as unpaid.
Late fees may apply if a scheduled payment is missed, late fees vary by state.
How do I cancel my Cherry Payment Plan?
If you’re looking to cancel or to get a refund on your Cherry Payment Plan, please reach out to the practice directly as we defer to their refund policies.
What is the finance charge?
The finance charge is the total interest you would pay on your contract if all payments are made on time. This amount is already included in your monthly payment.
Does my 0% APR offer expire?
No, if you’re eligible for a 0% APR offer, it is current for the length of the approval. For example: If you were approved for a 24-month term with 0% APR* , this promotion is valid until the end of the term as long as you stay current with your payments. Please see here for examples on what a Cherry Payment Plan may look like.
Does my approval expire?
Approval length may vary by practice but approvals always last for at least 30 days. To see when your approval expires, view your approval in the Cherry Patient Portal.
How can I see if I have any expired approvals?
Please check the Cherry Patient Portal by logging in with your personal phone number. From there, click the 3 lines in the top right corner and select "Applications" for any expired approvals. You may be able to re-activate the expired approval or quickly re-apply.
Can I increase my approval amount?
If you are eligible for an increase, you may request this through the Cherry Patient Portal. Increased approval amount and the decision are subject to eligibility. If you do not see the button to "request an increase," it means you are ineligible for an increase at this time.
Can I use my approval balance from Practice A with Practice B?
No, approvals are unique to each practice. You can apply separately at each practice.
How do I pick a payment plan?
Contact your practice and ask them to send you a checkout link via text. You will have the chance to review your options before agreeing to the terms and conditions.
How do I inform the practice of my approval?
Now that you have your approval, the practice will already be able to view it on their end. All you need to do is set up an appointment with them and indicate that you’d like to use Cherry at checkout!
Why was I denied?
This decision was based off of a few things such as your credit score, credit history, your income, and debt-to-income ratio. You can access your specific denial reason by visiting the Patient Portal. Click on “View Documents” and review the Adverse Action Letter. If you believe there is an error with your credit information, reach out to the credit bureaus before reapplying. You will have the ability to apply again after 30 days.
Can I appeal the denial?
The denial cannot be reversed, but you can apply again after 30 days.
What is a down payment and when is it due?
A down payment is required in order to finalize your payment plan. It will go toward your total purchase price. It is due when the practice sends you the checkout link.
How much is the down payment?
Your down payment amount depends on your total purchase price and the payment plan you select. It is typically equal to your monthly payment, though you have the option to make a larger down payment when you checkout.
How do I make my down payment?
The practice will need to send you a checkout link to confirm your purchase price. You will have the option to choose the payment plan that works best for you and make a down payment.
What payment method can I use to make the down payment?
You can use a non-pre paid Debit Card or a Credit Card* to make your down payment.
*Making payments via Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.
How do I know if my card is a prepaid card?
To see if your card is prepaid, look for the word "prepaid" on it. Prepaid cards aren’t tied to a bank account and need money loaded onto them. Gift cards are prepaid cards. They may also come with some fees. If you're not sure, you can check with the card issuer.
How can I preview my payments before my appointment?
You can preview payments in the "Applications" tab of the Patient Portal. To navigate to Applications, click the top-right icon with the 3 horizontal lines to open the menu. From there, select "Applications." On this screen, click your approval, and then click the button labeled "Preview Payments". Here's the link to your portal for convenience: https://patient.withcherry.com
What if I don't know my purchase price?
You can input any amount to preview your payment options. The practice can update this price at checkout before you confirm your Cherry Payment Plan.
How do I checkout?
The practice will need to send you a checkout link to confirm your purchase price. You will have the option to choose the payment plan that works best for you and make a down payment. You will need to have your phone and either a debit or credit card to pay the down payment and complete the checkout.
What if I don’t have a debit card or a credit card, or mobile phone?
To pay with Cherry, you must have either a valid credit or debit card to pay for your down payment as well as a mobile phone to complete your checkout. Without these, you won’t be able to use Cherry for payment.
Payments
When is my payment due?
The date that your payments are due is determined by the date you selected when you first set up your payment plan.
To see your list of scheduled payments, visit your Patient Portal and navigate to the "Scheduled Payments" page.
Can I change my payment due date?
You can change your payment due date once during the life of your loan by visiting the Patient Portal, navigating to "Payment Plans", selecting the specific payment plan you'd like to change, and clicking the "Change Due Date" tile.
Please note that in order to be eligible to change your due date, you cannot currently be behind in making your payments.
Also note that changing your due date impacts all subsequent installments. For example, if you change your due date from Octoboer 12th to October 17th, you will make payments on the 17th of every month thereafter.
What happens if I can't pay on time?
If you are unable to make your payment on time, please contact us as soon as possible at 888-612-2142 where one of our payment specialists will explore options available to assist you. We also allow a one time due date change within 20 days of your originally scheduled due date. This change can be made in your Patient Portal.
What payment methods can I use to make my payments?
Here is a list of acceptable payment methods:
- Bank-Issued Debit card
- Bank account (ACH checking or savings)
- Check payment (must be sent at least 10 business days before the due date)
- Prepaid card (with a 2.99% processing fee)
- Credit card (with a 2.99% processing fee)
Please note that autopay is not supported with prepaid payment methods.
Can I make payments with an HSA or FSA?
Cherry does not accept payments from Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA). You can however pay with a debit card and submit the receipt of payment to your HSA / FSA provider for reimbursement. Please note it is up to your HSA / FSA provider to approve these expenses. We generate a monthly statement in your patient portal that is available to you each month 2 weeks before your next scheduled due date. You may use that as a receipt/invoice to submit to your HSA / FSA provider.
Can I make a payment by check?
Payments by mail may take 7-10 business days to process. We recommend that you make payments online at your Patient Portal. If you opt to make a payment via check, please ensure you follow these guidelines to ensure the payment is appropriately credited to your account:
- Make the check payable to Cherry Technologies Inc
- Include your mobile phone number and Contract ID in the check "Memo"
For payments sent via the United States Postal Service (USPS), please use this address:
Cherry Technologies Inc
DEPT 2258
PO BOX 122258
DALLAS, TX 75312-2258
For payments sent via all other methods, please use this address*:
Dallas Regional Lockbox
Cherry Technologies Inc
892258
1501 NORTH PLANO RD, STE 100
RICHARDSON TX 75081
*Deposits received via methods other than the USPS may not post same day.
How do I change my payment method?
To change your payment method, visit your Patient Portal and navigate to "Account" from the homepage or navigation menu. You may view all your payment methods, and add a new one by clicking "Add Payment Method".
Does Cherry allow the processing of post-dated checks?
No. Check payments received by mail are processed (Monday - Friday) based on the day the check is received and Cherry does not support processing a payment that is dated for the future.
How can I make a payment?
You can make payments by logging into the Patient Portal and then selecting the "Make A Payment" quick action tile.
Can I combine multiple payment plans into one?
You cannot combine payments for multiple plans and will need to submit a separate payment for each plan by the payment due date.
Although a separate payment must be processed for each of your plans each month, you may align the due dates of your plans so that all payments are processed on the same day. To do, log in to your Patient Portal using your phone number (you do not need to create an account), navigate to the payment plan(s) you'd like to change the due date of, and click the "Change Due Date" quick action tile.
Can I pay off my loan early?
Yes, you can pay your loan off early at any time. Your account will not be charged any fees or penalties if you pay early. Also, if you pay off your account before the final payment is due, you won’t pay any interest that would accrue over the rest of the loan term, saving you money. Please log into your account by visiting the Patient Portal, click on "Make a Payment", select the payment plan you would like to pay off, and select "Pay Off Contract" to pay off your loan.
Where can I view my terms of repayment?
You can view your repayment terms on the agreement letter on your account by visiting the Patient Portal. Navigate to the "Documents" page and select your "Loan Agreement" from the document list.
Will I receive paper statements?
Cherry is a paperless company; therefore, you will not receive mailed statements.
You will receive payment reminders via text messages, and you can view your monthly statements by visiting the "Documents" page of your Patient Portal. Click on "View Documents" from the Homepage, or "Documents" in the navigation menu to review your statements.
Will my payments be reported to credit bureaus?
Yes, Cherry reports your contract status to the three main credit bureaus, Equifax, TransUnion, and Experian under normal circumstances.
Can missing payments on my account with Cherry hurt my credit?
Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other delinquencies on your account to the credit bureaus.
What is a charge-off?
Payment plans that have been unpaid for 120 days are written off by Cherry as a loss.
Note: This debt must still be repaid. A charge-off will appear on your credit report and may negatively impact your credit score.
To settle a charged-off account, please log in to your Patient Portal using your phone number (no account creation is needed) or call us directly at 888-724-1473 for assistance with your charged-off account.
How does paying off a charge-off affect my credit score?
While the charge-off will still be on your credit report, the status will be updated to "Paid in Full" or "Settled in Full", which may improve your credit score over time.
For additional information, please contact Equifax, Experian, or TransUnion.
Will the charge-off be removed from my credit report after payment?
No. A charge-off will appear on your credit report until you have repaid the balance or completed a settlement offer in full. After full repayment, your payment plan's status will be updated to reflect as "Paid in Full" or "Settled in Full" on your credit report. The status may take 30-60 days to update after full repayment.
I missed a payment. Can Cherry remove it from my credit report as a goodwill adjustment?
Cherry is required to report accurate and complete information to the credit bureaus. As a result, we cannot remove missed payments from your credit report as a courtesy or goodwill adjustment.
How long does it take for my paid-off contract to appear on my credit report?
Cherry reports payment activity and contract status to Equifax, Experian, and TransUnion monthly, typically between the 15th and 20th for the prior month. Once reported, it may take the credit bureaus up to 30-60 days to update your credit report.
If your report hasn’t been updated after 60 days from your paid off date, we recommend contacting Cherry for assistance.
What should I do if I find an error on my credit report?
If you believe we've reported incorrect information, you can dispute it directly with us by providing detailed information and any supporting documentation.
Please send this information to our dispute team at [email protected].
Cherry will investigate upon receipt of the dispute and provide a resolution within 15 business days. If corrections are warranted, it can take 30 to 60 days from the date of the resolution for the correction to reflect on your credit report.
When does Cherry report late payments to the credit bureaus?
Cherry reports late payments once an account is 30 days past due. If the payment remains unpaid, additional late payment reports occur at 60 days past due, 90 days past due, and upon charge-off.
To avoid negative impacts on your credit, we recommend making payments on time or contacting us if you need assistance.
How does Cherry report my payment activity to credit bureaus, and when will it show on my credit report?
Cherry reports payment activity to the credit bureaus between the 15th and 20th of each month. Payments made in the current month will not be reflected until the following reporting cycle. Updates to your credit report may take 30–60 days to appear.
What should I do if I file for bankruptcy?
If you file for bankruptcy, notify Cherry as soon as possible so reporting can stop. Updates to your credit report may take 30-60 days after the bankruptcy is discharged.
I received an error message when trying to pay, what can I do?
To prevent payment errors, please ensure that:
- Your payment method details are correct
- Your payment method is not expired
- There are sufficient funds in the account / on the card
- You are not using a prepaid card for monthly payments
If all of the above are true, please try your payment again. If you continue to run into issues, send us a message.
How do I cancel my payment plan?
The easiest and fastest way to get this resolved would be to contact the practice directly. Our funding policy requires us to send all funds from Cherry to the desired practice provider on the same day. As a result, we must abide by their cancellation and refund policies. As a third party, Cherry only provides the financing on your behalf and cannot force a refund from the Practice to close your contact, which is a separate entity. If you're not able to reach the practice or get a resolution from them, please then log into your Patient Portal to fill out the dispute under "Payment Plans."
Why was I charged a fee?
Non-Sufficient Funds (NSF) fee: A NSF fee of $15.00 may apply if a scheduled payment is returned as unpaid.
Late Fee: If we do not receive a payment in full within ten (10) days after your scheduled due date, then we may charge you a late fee in the amount of $15.00. Late fee policies may vary by state - please consult your loan agreement for the policy that applies to your contract. A fee may be waived once every 6 months per loan.
Refunds
What is your policy on refunds?
We defer to the refund/cancellation policies put in place by our partner practices and cannot initiate a refund/cancellation without their approval.
I was issued a refund by the practice, how long does it take to process?
Once the practice authorizes a refund, we will credit the refunded amount (full or partial) to your Cherry contract within 7-10 business days. Any refund in excess of your outstanding balance will be credited to the payment method on file.
If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.
Account Settings
How can I add, remove, or change my card or bank account information?
You can change your payment method on file in your Patient Portal.
You can edit, add or remove payment methods by clicking on the "Payment method" tile.
Please note, Cherry does not allow you to add a credit card for recurring payments.
How do I update my phone number?
You can easily update your phone number by visiting patient.withcherry.com/phone-update.
How do I update my address?
To update the physical residential address on file please contact support at [email protected] or chat with us here.
Can I use a P.O. box address for my Cherry account?
A P.O. box cannot be used when applying for a loan or be used as your current address on file for an existing loan with Cherry due to compliance reasons that Cherry must uphold.
How do I log in to my account?
You’ll need your mobile phone number to log in to your account by visiting the Patient Portal. You can then verify the log in with a four digit verification code that is sent to you via text message.
I can't log in, what can I do?
Please ensure you’re using the phone number associated with your account. If you didn’t receive your verification code, you can always have one resent or select "Call me with a code instead."
If you’re still having trouble logging in after following the steps above, please contact support at [email protected] or chat with us here.
Product & Services
Where can I use Cherry?
Cherry can be used at participating locations. You can check out our Practice Finder tool to find a practice near you!
How can I make a formal complaint to Cherry?
To make a formal complaint, please contact support at [email protected] or chat with us here. Please provide us with as much relevant information as possible to ensure that we can help you quickly and effectively.
How can I set up an appointment?
You will need to reach out to the practice directly in order to set up an appointment and move forward with confirming your contract. Cherry will not be able to assist with this.
Fraud & Security
How can I report a fraud attempt?
If you believe an unauthorized application has been submitted or an unauthorized contract has been taken out in your name, please contact our team at (888) 839-7171.
In order to initiate the fraud claim process we must verbally speak with you and gather the necessary details surrounding your claim.
If you believe an unauthorized charge has been made in your name, report the related debit card, credit card, or bank account to your issuing bank so they may be able to assist you with disputing the charges.
You may also report the unauthorized contract and/or charge to the proper authorities to further protect your identity and information.
How can I protect myself against identity theft?
Fraud alert messages notify potential credit grantors to verify your identification before extending credit in your name in case someone is using your information without your consent.
You may contact any of the nationwide credit bureaus to request a fraud alert. You are entitled to a free credit report if you are the victim of identity theft. You can contact the credit bureaus (Experian, Equifax, TransUnion) to request a free copy of your credit report and to place a fraud alert on your account. Below are the phone numbers for each of the credit bureaus.
- Equifax- 800-525-6285
- TransUnion – 800-680-7289
- Experian- 888-397-3742
What should I do if I suspect fraud related to my credit reporting?
If you suspect fraud, contact Cherry’s support team to initiate an investigation. If fraud is confirmed, we will request the removal of the fraudulent account from your credit report. Contacting us directly ensures a timely resolution.
How does Cherry protect my personal information?
The security of your data is our highest priority. Cherry has implemented and maintains an information security program that includes industry-standard technical, administrative, and physical security measures to protect personal information against loss, misuse, unauthorized access, or improper disclosure.
All payment information is processed securely. No details are transferred to or held by the Practice. All transactions take place via secured connections following strict security protocols. You can remove your linked bank account or card at any time. For additional information, please refer to our Privacy Policy.