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Split big costs into smaller monthly payments with Cherry. Let your money go further when you pay in installments with Cherry Payment Plans.

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How does Cherry work?

Apply for a Cherry Payment Plan in seconds,
without impacting your credit score.

1
Apply
Ask your practice for their unique Cherry application link or find it online.
2
Get Care
Use your approved Cherry funds to pay for your treatment. When you’re ready to pay, your practice will send you a checkout link.
3
Pay Over Time
Choose a plan length that fits your budget, with qualifying 0% APR options.*

*0% APR and other promotional rates subject to eligibility.

Get started

See if my provider accepts Cherry I'm ready to apply

Questions? We're here to help

Explore questions that are frequently asked by other Cherry patients.

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Application

Ask your provider for their unique Cherry application link or find a Cherry provider online using our Cherry Finder tool.

You can check out our Cherry Finder tool to find a provider near you and apply!

Applying for Cherry involves a soft credit check, which does not impact your credit score. Once your payment plan is confirmed, Cherry typically begins reporting your payment plan to the credit bureaus after 30 days. 

The impact of your active payment plan on your credit report may vary depending on each credit bureau.

Yes, however, once you’re approved, you’re approved for the maximum amount you can use with Cherry with that provider at the given time.

For example, if you’re approved for $5,000 with Provider A and $5,000 with Provider B, your total available with Cherry will be $5,000. You may choose how you’d like to allocate those funds amongst the providers, 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.

The finance charge is the total amount of interest you’ll pay over the life of your payment plan, assuming all payments are made on time. This amount is included in your monthly payments.

Your 0% APR offer will remain in place for the full length of your payment plan as long as you make on-time payments. 

If your account becomes delinquent, interest may be applied going forward, but it will not be applied retroactively to past payments. 

For example, if you’re approved for a 24-month term at 0% APR, that rate will apply through the full 24 months unless payments become past due. View examples of what a Cherry Payment Plan might look like here.

Approval length may vary by provider, but approvals always last for at least 30 days. To see when your approval expires, go to the Applications page in your account.

To see your expired approvals, go to the Applications page in your account. If your approval has expired, you can quickly re-apply from there.

Increased approval amount and the decision are subject to eligibility.

Visit the Applications page in your account and select “Request a Larger Approval” (if available for your approval) to see if you are eligible.

No, approvals are unique to each provider. You can apply separately with each provider.

Contact your provider 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.

You don’t need to; once you’re approved, the provider can see your approval on their end. Just book your appointment and let them know you’ll be using Cherry to pay for your services!

Denial decisions are based on several factors, including your credit score, credit history, income, and debt-to-income ratio.

To see the specific reason(s) for your denial, log in to your Cherry Account, click on “View Documents”, and review your Adverse Action Letter.

If you believe there’s an error in your credit information, contact the credit bureaus directly before reapplying. You can apply again once the denial period has expired.

No, denials can’t be appealed or reversed. However, you’re welcome to apply again once the denial period has expired.

A down payment is required to finalize your payment plan. It will go toward your total purchase price. It is due when the provider sends you the checkout link.

Your down payment is based on your total purchase price and the length of the payment plan you select. At checkout, you’ll choose the plan length, and the down payment will match your monthly payment amount.

The provider will send you a checkout link to confirm your purchase. From there, you’ll be able to choose the payment plan that works best for you and make your down payment directly through the link.

You can use a non-prepaid debit card or a credit card to make your down payment.

  • Credit cards incur a 2.99% processing fee.
  • Traditional debit cards (linked to a bank account) have no processing fee.

Note: Prepaid cards, including Cash App cards and gift cards, aren’t accepted. To check if your card is prepaid, look for the word “prepaid” on it or contact the card issuer.

Look for the word “prepaid” on the card; that’s usually the easiest indicator.

Prepaid cards or Gift Cards aren’t linked to a bank account and must be loaded with funds in advance. 

If you’re unsure, you can always check with the card issuer to confirm.

YGo to the Applications page in your account, then click the “Preview Payments” button — this will open the Monthly Payment Calculator, where you can explore your estimated monthly payment options.

You can enter any amount up to your full approval limit to explore your payment options using the Payment Calculator.

Your provider will update the final purchase price at checkout before you confirm your Cherry Payment Plan.

Your provider will send you a checkout link. Use it to:

  • Choose your payment plan
  • Make your down payment with a debit or credit card

You can checkout via the link sent to your phone or by logging into the Payment Plans page — just make sure to complete it within 7 days, or the link will expire.

Haven’t booked your appointment yet? Contact your provider to schedule your treatment.

To use Cherry, you must have:

  • A valid credit or debit card (for your down payment)
  • A mobile phone (to receive your checkout link and complete the process)

Payments

The due date is determined by the day of the month in which you entered into your payment plan. To see your list of scheduled payments, go to the Scheduled Payments page in your account.

Yes, to do so, go to the Payment Plans page in your account, select the specific payment plan you'd like to change, and click the "Change Due Date" tile. Please note that when changing your due date, the new due date goes into effect the following month, so your next payment will still be due on the original due date.

Note: To be eligible to change your due date, you cannot currently be behind in making your payments.

If you’re unable to make a payment on time, please contact our team as soon as possible at [email protected]. We may be able to offer flexible options or help arrange a solution that works for you.

You can also log in to your Cherry Account to review your account and explore any available options.

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 
  • Credit card (with a 2.99% processing fee)

Note: Autopay is not supported with prepaid payment methods.

Cherry does not accept direct payments from Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA).

However, you can pay with a debit card and then submit your receipt to your HSA or FSA provider for potential reimbursement. Approval is at the discretion of your HSA or FSA provider.

After each payment, you’ll receive a receipt in your account. A monthly statement is also generated and made available two weeks before your next due date, either can be used when requesting reimbursement.

Yes, Cherry accepts check payments by mail, but please note that processing can take 7–10 business days. For faster service, we recommend making payments online through your Cherry Account. If you choose to pay by check, please follow these guidelines to ensure proper crediting to your account:

  • Make the check payable to:
      Cherry Technologies Inc
  • Include in the memo line:
      Your mobile phone number and Payment Plan ID

Mailing addresses:

  • For USPS (United States Postal Service):
      Cherry Technologies Inc DEPT 2258
      PO BOX 122258
      Dallas, TX 75312-2258

  • For all other delivery services (FedEx, UPS, etc.):
      Dallas Regional Lockbox – Cherry Technologies Inc 892258
      1501 North Plano Rd, Ste 100
      Richardson, TX 75081

Note: Payments sent via non-USPS methods may not post the same day.

In your account, navigate to your Payment Plans page, choose a specific plan, and select “Set Payment Method.

If you mail a check, it will be processed on the day it's received (Monday–Friday), regardless of the date written on the check. Cherry cannot delay processing based on a future-dated check.

You can make payments in your account by selecting the Make a Payment tile from the home page.

No, Cherry does not support combining multiple payment plans. You’ll need to make a separate payment for each plan by its individual due date.

Yes, you can pay off your payment plan early at any time, and there are no fees or penalties for doing so.

To pay off your Payment Plan:

  1. Log in to your Cherry Account
  2. Click on “Make a Payment”

Select “Pay off payment plan” to complete your early payoff

You can view your repayment terms in your Agreement Letter by logging into the Cherry Account. Just navigate to the “View Documents” tile to access the letter and review your full terms.

No, Cherry is a paperless company. You’ll receive payment reminders via text or email (if you have one on file), and all account documents are available online.

To view your monthly statements, log in to your Cherry Account and click on “View Documents.”

Yes, Cherry reports your payment plan status to the three main credit bureaus, Equifax, TransUnion, and Experian.

Cherry reports your payment activity, including any late or missed payments to the credit bureaus. That means missing a payment could negatively impact your credit, so it’s important to stay up to date on your payment plan.

A charge-off occurs when a payment plan goes unpaid for 120 days. After a payment plan is charged off, the debt still needs to be repaid, and the charge-off will continue to appear on your credit report.

While the charge-off will still be on your credit report, the status will be updated to "Paid" or "Settled," which may improve your credit score over time. For additional information, please contact Equifax, Experian, or TransUnion.

No, a charge-off will not be removed from your credit report; paying it off is still a great step forward.

Once the balance is fully repaid, the status will be updated to show “Paid” or “Settled,” which reflects that the debt has been resolved.

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.

Cherry reports your payment activity and payment plan status on a weekly basis based on your due date to the three major credit bureaus: Equifax, Experian, and TransUnion.

If you believe there’s an error on your credit report related to Cherry:

  • Contact our Support team at [email protected] to submit a credit bureau dispute.
  • Cherry will investigate your dispute and provide a resolution within 15 business days.
  • If a correction is needed, it may take 30 to 60 days from the resolution date for the update to appear on your credit report.

If you believe there’s an error on your credit report related to Cherry:

  • Contact our Support team at [email protected] to submit a credit bureau dispute.
  • Cherry will investigate your dispute and provide a resolution within 15 business days.
  • If a correction is needed, it may take 30 to 60 days from the resolution date for the update to appear on your credit report.

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.

Cherry reports payment activity and payment plan status to Equifax, Experian, and TransUnion weekly based on your due date. 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.

If you file for bankruptcy, please notify Cherry as soon as possible so we can stop credit reporting on your account. Updates to your credit report may take 30-60 days after the bankruptcy is discharged.

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, contact us at [email protected].

The fastest way to cancel your plan is to contact the provider directly and request a refund. If you are not able to reach the provider or get a resolution from them, you can file a dispute on the Payment Plans page in your account by selecting your payment plan, clicking 'Manage Refunds,' clicking 'Request Refund,' and following the prompts to submit the dispute.

There are two common reasons you may see a fee on your account:

Non-Sufficient Funds (NSF) Fee:
    If a scheduled payment is returned as unpaid, an NSF fee of up to $25 may apply.

Late Fee:
    If your payment isn’t received in full within 10 days of your due date, you may be charged a late fee of up to $25.

Note: Late fee policies can vary by state. Please refer to your agreement for the specific terms that apply to your payment plan.

Refunds

Cherry payment plans that are older than 60 days are ineligible for full refunds through the Cherry platform. The fastest way to cancel your payment plan is to contact the provider directly and request a refund. If you are not able to reach the provider or get a resolution from them, you can file a dispute on the Payment Plans page in your account by selecting your payment plan, clicking 'Manage Refunds,' clicking 'Request Refund,' and following the prompts to submit the dispute.

Once the provider authorizes a refund, Cherry will apply it to your payment plan within 7–10 business days.

  • If the refund is partial, your payment plan balance will be adjusted to reflect the new amount.
  • If the refund is more than your remaining balance, the extra amount will be returned to your payment method on file.
  • If the refund is for the full amount, any payments you’ve already made will be refunded to you

Product & Services

Cherry can be used at participating providers. You can check out our Cherry Finder tool to find a provider near you!

Please contact our Support team via email at [email protected]. Please provide us with as much relevant information as possible to ensure that we can help you as quickly and effectively as possible.

You will need to reach out to the provider directly in order to set up an appointment and move forward with confirming your payment plan.

Fraud & Security

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.

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

If you suspect fraud, contact Cherry’s support team at [email protected] to initiate an investigation. If fraud is confirmed, we will request the removal of the fraudulent account from your credit report.

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.