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
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COMMONLY USED FOR
CrownsTooth ExtractionsInvisalign
ImplantsAlignersVeneers
cr smiles dental center bain dental group miami dentist4u cg smile best value dentures and implants

The (Almost) 5 Star Payment Plan Company

Cherry has a near perfect customer satisfaction score across our patients and practices.
almost five star rating
bryan
Bryan W.
Patient

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!

abraham DDS dental corp logo
Abraham DDS Dental Corp
Practice

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

carol
Carol T.
Patient

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.

cambridge family dentistry logo
Cambridge Family Dentistry
Practice

@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.

kristan
Kristan L.
Patient

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

charlotte dental pro logo
Charlotte Dental Pro
Practice

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.

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ala moana dental staff
Practice - Ala Moana Dental
3X Higher
transaction volume
+33% Higher
funding rate

More Patients,

More Treatments

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+30% increase
in case acceptance
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+50% increase
in transaction size
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80%+ industry leading patient approval rate
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Approvals exclusive
to your practice
BOOK YOUR FREE DEMO

Monthly Pricing

Looks Better

  • Enable your patients to turn large expenses into smaller, monthly payments
  • Monthly pricing is easier to talk about
monthly cost with cherry
treatment plan

Save on Time & Money

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Lowertext highlight your
merchant fees

Save up to 50% on your merchant fees.

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Get paid
upfronttext highlight

Receive full payment in 2-3 business days.
Easily improve your cash flow.

phone bill

Reducetext highlight 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
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Best-In-Class

Support

  • Free marketing resources for social media, email & video
  • Fast US-based phone, email & chat support
BOOK YOUR FREE DEMO
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Dental Provider FAQs

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.

*References here