Offer Dental Financing for Patients, up to $50K & True 0% APR Options

Trusted & Loved
by Dental Practices
and DSOs

Treat more patients with Cherry Payment Plans for out-of-pocket expenses up to $50,000.

Payment plans range from 6 weeks of always interest-free to 60 months with qualifying 0% APR or as low as 5.99%.

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Reduce merchant fees by as much as 50%

Increase case acceptance by 30%

Get paid 100% upfront

Approve over 80% of patients for a zero-interest offer

More Patients,
More Treatments

+30% increase
in case acceptance

+50% increase
in transaction size

80%+ industry-leading
patient approval rate

Approvals exclusive
to your practice

BOOK YOUR FREE DEMO

Make Payment Easier

Enable your patients to pay for expenses over time, within their budget

Offer flexible plans from 4 interest-free payments every 2 weeks to longer installments up to 60 months, with qualifying 0% APR or as low as 5.99% for interest-bearing long-term plans

Monthly and weekly pricing are a lot easier to talk about

Save on Time & Money

Lower your
merchant fees

Save as much as 50% on your merchant processing 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, so you can focus on providing care.

BOOK YOUR FREE DEMO

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 flexible financing options that match their customers’ healthcare needs. For a dental practice, Cherry disburses funds to clients seeking to address dental needs like teeth cleaning, a root canal, or cosmetic procedures. 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 for pre-qualification (which doesn’t hurt their credit score). Cherry never conducts a hard credit check.
If approved, patients can choose from multiple dental payment plan options that meet their financing needs.
The provider receives full payment from Cherry, minus the merchant processing fee, usually within 2–3 business days.
The client goes forward with their dental health treatment and repays Cherry over a set period of time.

What patient financing options and loan terms do you offer?

We offer loan amounts up to $50,000, flexible repayment terms between 1 and 60 months, and competitive interest rates — including interest-free plans for Pay in 4 and qualifying 0% annual percentage rate (APR) for longer 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 rates, cash flow, 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?

Unlike many third-party financing options, we boast an industry-leading 80%+ approval rate, accommodating a wide range of borrowers across credit profiles. 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 50,000 medical practices rely on Cherry.

Does Cherry require a down payment?

Yes. When patients are approved, they’ll make a down payment using a traditional credit card like Visa or Mastercard, or a non-prepaid debit card.

Credit cards incur a small 2.99% processing fee, while standard debit cards (linked to a bank account) have no fee. Please note that prepaid cards, including Cash App cards and gift cards, aren’t accepted. To confirm whether your card is prepaid, look for the word “prepaid” on the card or contact your card issuer.

Are there any annual fees for our practice?

There’s no annual fee to access Cherry’s flexible payment plans. 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.

As a practice, freeing yourself from the burden and risk of in-house financing, improving cash flow, and expanding treatment acceptance can have transformative effects — which is why some Cherry providers, from small businesses to multi-location clinics, have seen a big boost in business since adopting our third-party financing solution.

Will submitting an application impact my patients’ credit scores?

We perform a soft credit check to prequalify patients — never a hard credit check. No credit check performed by Cherry will hurt the applicant’s credit score.

Can patients get approved before committing to treatment?

Yes. Patients can complete a 60-second loan application and receive an instant approval decision before committing to dental treatment. While this is sometimes referred to as “pre-approval,” Cherry provides a real approval decision upfront — without requiring patients to move forward with care.

Knowing their approval status in advance allows patients to review available financing options, understand potential payment terms, and decide next steps at their own pace. This helps reduce uncertainty and makes it easier to plan treatment or schedule an appointment today when they’re ready.

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 Cherry Payment Plans be used for?

Cherry Payment Plans can be used for a wide range of dental treatments, from preventive care to dental emergencies. Patients often use Cherry to help manage treatment costs associated with preventive visits, restorative care, and advanced dental work such as oral surgeries, treatment for missing teeth, or full-mouth rehabilitation plans. Other dental work commonly financed through Cherry:

Teeth cleanings
Dental implants
Orthodontic
Endodontics
Veneers
X-rays
Dentures
Fillings
Root canals
Teeth whitening
Clear aligners like Invisalign
Dental crowns
Tooth extractions
Bone grafts
Cosmetic dentistry

Because dental costs can add up quickly, financing gives patients flexibility when pursuing quality dental care that supports long-term oral health. By spreading payments over time, patients are better able to move forward with recommended care and work toward a healthy smile without delaying treatment due to cost concerns.

How is your dental care financing different from third-party lenders who offer 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 we never use a hard credit check during the credit approval process. Traditional personal loan lenders typically reserve their lowest rates for borrowers with excellent credit, while Cherry works to approve more patients and offer fair, transparent terms and competitive fixed rates regardless of credit history. What’s more, dental patient financing through Cherry can only be used for treatment offered by the Cherry provider, and not for any other purchase from any other provider.

Do patients need good credit to qualify for your dental financing solution?

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 out-of-pocket expenses, not fully covered by healthcare providers.

Why do patients choose financing even when they have dental insurance?

Even with insurance, their dental benefits may not fully cover the cost of care. Many patients still face significant out-of-pocket costs. Insurance plans often include deductibles, copays, annual maximums, or waiting periods that limit how much coverage is available when care is needed. Patients may also encounter restrictions based on whether a provider is in-network or how their insurance company classifies certain procedures.

As a result, financing can help bridge the gap between dental coverage and the actual dental care costs patients are responsible for. Cherry helps reduce financial stress by allowing patients to spread payments over time, making treatment more manageable and helping practices support both existing patients and new patients who might otherwise delay care due to cost concerns.

How does Cherry’s buy now, pay later financing compare to other ways patients pay for dental care?

Patients use lots of different ways to pay for dental treatment, and Cherry is designed to work alongside — or as an alternative to — those options. Some patients rely on HSAs (health savings accounts) or FSAs (flexible spending accounts) to cover dental expenses, but these accounts may have limited balances or timing restrictions that don’t always align with higher upfront costs.

Others consider credit cards, personal loans, or financing through credit unions, which can sometimes involve higher interest or less predictable repayment terms. Compared to those options, Cherry offers fixed payment plans with lower rates (true 0% financing for qualified borrowers) than many traditional financing alternatives, helping patients better manage overall medical expenses.

Patients may also look into reduced-cost care through dental schools, which can involve longer timelines or limited appointment availability. Cherry provides another path to affordability, allowing patients to move forward with care now and buy now, pay later through structured, transparent payment plans and low interest rates for qualified borrowers.

Are there origination fees similar to other medical or dental loans?

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

Does Cherry offer a medical credit card or alternative credit line?

No, Cherry does not offer a medical credit card or any type of revolving line of credit for healthcare financing.

Does Cherry charge deferred interest like CareCredit?

Cherry does not use deferred interest in any special financing options. Qualified borrowers are eligible for true 0% APR.

CareCredit.com, on the other hand, offers 0% promotional financing that relies on deferred interest. If the full balance isn’t paid off by the end of the promotional period, or if one payment is missed during that period, interest is charged to cardholders retroactively from the purchase date at a steep APR.

What makes Cherry different from CareCredit and Sunbit?

At Cherry, we’re different from the CareCredit Credit Card because we don’t offer a high-interest credit card or 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 with instant approval decisions; and our merchant pricing is up to 50% cheaper for dental practices.

Cherry is different from Sunbit because we don’t specifically focus on borrowers with bad credit (instead, we offer wide eligibility and high acceptance rates for users of varying creditworthiness), and our patient financing focuses specifically on healthcare providers and patients. Sunbit, on the other hand, has no specialization, offering solutions for the automotive industry, healthcare, and other everyday needs.

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Trusted & Loved
by Dental Practices
and DSOs

The (Almost) 5 Star Payment Plan Company

The (Almost) 5 Star Payment Plan Company

More Patients,
More Treatments

Make Payment Easier