Buy Now. Pay Monthly.
Support Local Business.

Split big costs into smaller monthly payments with Cherry. Let your money go further and take better control of your cash flow when you pay in installments with Cherry.

No Hard Credit Checks. No Hidden Costs or Fees

Applying does not impact your credit score! Scan your ID and see how affordable your next purchase can be.

Get Approved in 30 Seconds

Application to approval in seconds. Cherry’s completely digital process gets you out the door and enjoying your purchase in no time.

Flexible Payment Options to Fit Any Budget

Choose from 2 - 12 monthly payments with some qualifying 0% APR options.

Flexible Payments For Any Budget

Select Purchase Amount

Get a preview of your monthly payments*

Monthly Payment APR Total Interest Final Cost
3 Mo
0% $0.00 $1,000
6 Mo
0% $0.00 $1,000
12 Mo
22.99% $107.64 $1,107.64
*These are examples only. If you pre-qualify, your terms will likely differ. Not every merchant that uses Cherry will offer the payment plan terms listed above.

Know a small business that could benefit from using Cherry?

Managing Your Account

Log In

Log in to our customer portal from your phone, computer, or tablet. You’ll also receive email & text reminders before your payment is due each month.

Manage Payments

You can pay your monthly payment, prepay next month's payment, or adjust your autopay settings. Your payment history and payment methods can also be viewed here.

Contact Support

Questions about your payment plan or payment schedule? Cherry's customer support is here to help through phone, email and text.

Frequently Asked Questions

Do you have questions? Here are some that we often get.

I did not use my full approval amount, can I make another purchase?

Absolutely! If you keep your account current, you may redeem the remaining balance. For example, if you’re approved for $1,000 and only use $500, you may go back and use the remaining $500 as long as you continue to make payments on time.


Also, by establishing a good borrower history with Cherry and paying your contracts off completely, you can make your full approval amount available again.

Does Cherry report to the credit bureaus?

Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.

Can missing payments on my account with Cherry hurt my credit?

Once you have a contract with Cherry, we may report repayment information about your account to the consumer reporting agencies. Contracts that are marked as delinquent may have a negative impact on your credit score.

What is your policy on refunds?

To request a refund, please contact the merchant where you used Cherry to make a purchase.


We defer to the refund policies put in place by our partner merchants and cannot initiate a refund without merchant approval. 


Once the merchant authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and contract balance are adjusted accordingly.


If a partial refund is issued, your contract amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your contract will be returned to you.

How do I dispute my purchase?

If you have a complaint regarding the goods, services, installation of your items, or to request a cancellation or a return, please contact the merchant directly to inquire about the status of your items. 


You are required to make payments on your contract until the issue is resolved.

Can I change my due date?

We allow a one-time due date change to a date within +/- 15 days of your original scheduled due date. To change your schedule, please call our customer service team during normal business hours (8am – 6pm PST Monday – Friday and 10am – 1pm PST Saturday and Sunday).

Are there any fees or penalties for paying early?

No! 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 contract, saving you money.

What are the hours of your help line?

Our support line is staffed Monday through Friday from 8am PST until 7pm PST (excluding holidays). If you can’t reach one of our customer service representatives, please leave a message and we’ll get back to you as soon as we can.

Contact Us

Email: [email protected]
Phone: (888) 839-7171

Support Hours

Monday through Friday 8AM – 6PM PST.
Saturday and Sunday 10AM – 1PM PST.

Happy Customers

We are very proud of the service we are able to provide. Here are some reviews from our happy customers.
Jose E.

San Diego, California

I really loved the process, it's almost too good to be true! Best financing deal I've ever seen!
Kenneth J.

Hayward, California

I feel so much more secure driving after purchasing a camera system for my car. Thank you Cherry!
Alex C.

Irvine, California

Cherry was really easy to use and super fast. I can't wait to go back and try different services at the Image Center now that I can split my payments!
Terrell T.

Irvine, California

Everything was easy and perfect! Application process was easy, super easy.
Warner D.

San Jose, California

I work in the finance industry and Cherry is much easier than other finance companies.
Bryana R.

Irvine, California

I was worried the application would take long, I would have paid on my credit card -- but it only took a few minutes and I'm so happy I can split my payments up now!