Trusted & Loved
by Industry-Leading Dental Practices
Treat more patients with Cherry Payment Plans for out-of-pocket expenses up to $35,000. Payment plans range from 3 - 60 months, with 0% APR options.
- Increase case acceptance by 30%
- Lower merchant fees by up to 50%
- Get paid 100% upfront
- More 0% APR options for patients & more patients approved for financing






The (Almost) 5 Star Payment Plan Company
Cherry has a near perfect customer satisfaction score across our patients and practices.


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!

They are helping our patients get the financial help they need and help overall our office growth.

No fuss. Instant approval. Choice of payment. In fact if possible I'd like to see if I qualify for another procedure with Dr. Luca @withCherryUS.

@withCherryUS is very easy for the patient to apply for, and the approval rating is better than any other company we have used in the past.

Quick and hassle-free process, and was able to meet my financial needs!

We love @withCherryUS! Our patients love Cherry too. We love that the patient controls the application process and has visibility to every step of the process.

More Patients,
More Treatments

in case acceptance

in transaction size


to your practice
Monthly Pricing
Looks Better
- Enable your patients to turn large expenses into smaller, monthly payments
- Monthly pricing is easier to talk about


Save on Time & Money

Lower
your
merchant fees
Save up to 50% on your merchant 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. Leave the billing and coordination work to us, so that you can focus on treating your patient.
BOOK YOUR FREE DEMO
Speed Through Checkout
Apply in 60 Seconds or less
- Fast patient application
- No hard credit check
- Instant funding
- True 0% APR options
- Simple, transparent pricing


Best-In-Class
Support
- Free marketing resources for social media, email & video
- Fast US-based phone, email & chat support

Dental Provider FAQs
What is Cherry?
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.
How does Cherry work?
Here’s how it works:
- A client completes our 60-second application, undergoing a soft credit check that doesn’t affect their credit score.
- If approved, they can choose from multiple payment plans based on loan amount, loan terms, and their budget.
- The provider receives full payment from Cherry, minus the merchant processing fee, usually within 2–3 business days.
- The client repays Cherry over a set period of time.
What patient financing options and loan terms do you offer?
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.
How quickly can dental offices integrate your financing program?
Our financing program can typically be integrated into dental offices the same day, enabling immediate improvement on case acceptance and patient enrollment.
How long does the patient financing application process take?
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.
What is your approval rate?
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.
How and when does our practice receive payments?
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.
Does our practice bear risk if borrowers can’t pay?
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.
Are there any annual fees for our practice?
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.
Why should we offer dental financing options at our practice?
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.
Will submitting an application impact my patients’ credit scores?
We perform a soft credit check to prequalify patients, which does not impact credit score. We never conduct a hard credit check.
Can patients manage their payment plan online?
Yes, patients can manage their plan online and track monthly payments from an easy-to-use dashboard.
What dental procedures can patients finance?
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.
How is your dental care financing different from personal loans?
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.
Can patients with bad credit access your dental financing?
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.
Are patients with dental insurance plans eligible?
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.
Are there origination fees similar to other medical or dental loans?
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.
Does Cherry offer a credit card?
No, Cherry does not offer a credit card at this time.
What makes Cherry different from CareCredit?
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.
*References here