Cherry is a third-party financing provider that helps consumers access essential services — like veterinary, dental, and medical care — by breaking payments into monthly or weekly installments. Used by a wide range of businesses, Cherry supports providers through tailored loans that match their customers’ financing needs. For a veterinary practice, Cherry disburses funding to clients seeking to finance pet care. The provider gets paid the full amount upfront for their services, and the client repays Cherry over time.

Here’s how it works:

1. A client completes our 60-second application, undergoing a soft credit check that doesn’t affect their credit score.
2. If approved, they can choose from multiple payment plans based on loan amount, loan terms, and their budget.
3. The provider receives full payment from Cherry, minus the merchant processing fee, usually within 2–3 business days.
4. The client repays Cherry over a set period of time.

We offer loan amounts up to $35,000, flexible repayment terms between 3 and 60 months, and competitive interest rates — including interest-free plans for Pay in 4 and qualifying 0% annual percentage rate (APR) for monthly plans.

Our financing program can typically be integrated into dental offices the same day, enabling immediate improvement on case acceptance and patient enrollment.

Patients can apply for financing in less than 60 seconds, with no hard credit check, and see qualifying loan options instantly. Typically, they’ll receive same-day approval, but it may take up to 48 hours.

We boast an industry-leading 80%+ approval rate, accommodating a wide range of borrowers. For Pay-in-4 (our 6-week plan), we approve ~90% of applicants.

Payments to dental providers are processed upfront when the transaction is made, and depending on the provider’s bank, funds should arrive electronically in no later than 3 business days.

No, we handle repayment directly with borrowers so you can focus on providing dental services to your patients. There’s no risk to your practice, or in-house management for you or your team. It’s just one of the reasons over 40,000 medical practices love Cherry.

There’s no annual fee to access our third-party financing. Merchant fees apply, but they’re up to 50% lower than other financing companies.

Offering flexible payment options helps patients manage out-of-pocket dental costs and promotes wellness through regular checkups and adherence to treatment plans. With more ways to pay, you make it easier for patients to move forward with dental treatment, which is why some Cherry providers have seen a big boost in business since adopting our third-party financing.

We perform a soft credit check to prequalify patients, which does not impact credit score. We never conduct a hard credit check.

Yes, patients can manage their plan online and track monthly payments from an easy-to-use dashboard.

Patients can finance a variety of dental work including dental implants, orthodontics, endodontics, veneers, x-rays, dentures, fillings, root canals, teeth whitening, aligners like Invisalign, extractions, and cosmetic dentistry.

Unlike personal loans, our third-party financing provides immediate loan offers tailored to oral health treatment for borrowers in a wider range of financial situations, and does not involve a hard credit check. What’s more, financing through Cherry can only be used for treatment offered by the Cherry provider, and not for any other purchase from any other provider.

Yes, patients with both good credit and bad credit can qualify for financing plans tailored to their individual circumstances. At Cherry, we know that credit history is only a glimpse of a patient’s financial situation, and with a proprietary underwriting algorithm, we’re able to look beyond outdated markers of financial stability to accept a wider range of borrowers who may not meet traditional credit approval standards.

Yes, even if your patients have insurance coverage, they can still use Cherry to cover dental expenses, or portions of expenses, not fully covered by healthcare providers.

No, our dental loans do not include origination fees or any hidden fees that might be charged by traditional lenders, ensuring transparent and fair financing for dental patients.

No, Cherry does not offer a credit card at this time.

At Cherry, we’re different from CareCredit because we don’t perform a hard credit check on your patients, our plans don’t apply deferred interest, we boast nearly double the approval rate, we offer a simple 60-second application, and we’re up to 50% cheaper for dental practices.