Health & Wellness

Top Choice for Health & Wellness Providers

Treat more patients with Cherry Payment Plans for expenses up to $30,000. Payment plans range from 6 weeks of always interest-free to 60 months with qualifying 0% APR.

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Reduce merchant fees by as much as 50%

Increase case acceptance by 50%

Get paid 100% upfront

Approve up to 90% of patients for a zero-interest offer

More Patients,More Treatments,
More Happiness.

+50% increase
in case acceptance

+67% increase
in ticket size

~90% industry-leading
patient approval rate

Approvals exclusive
to your practice

BOOK YOUR FREE DEMO

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

Health & Wellness Provider FAQs

What is Cherry?

Cherry is the financing platform tailor-made for health and wellness businesses. It allows practices to help patients break the cost of care into weekly or monthly payments that fit their budget — whether that's one cryotherapy session or a year-long weight loss program.

Unlike in-house financing, there’s no risk or administrative burden for the practice. Cherry pays your business the full cost of care up front, and the client then repays Cherry over time. This format not only allows patients to get care they’d otherwise delay or skip indefinitely, but also helps practices enhance cash flow and growth.

How does Cherry work?

From the moment a client books to the moment your business gets funded, four things happen:

The application takes only 35 seconds, doesn’t hurt credit score, and delivers an instant credit decision.
Approved patients can pick a plan that fits their budget — from always interest-free Pay in 4 to a longer monthly plan with true 0% APR for qualifying borrowers.
Cherry pays your practice the full cost of care up front — within 2-3 business days — and you pay only a small merchant fee (the lowest in the industry).
From there, Cherry owns collecting every payment from the client for as long as the plan runs. There’s no risk or administrative burden for your staff.

Why should health & wellness businesses offer Cherry financing?

Cost is the most common reason a client stops midway through a longer wellness commitment, or never starts one at all — the gap between a single cryotherapy session and a year-long weight loss program is wide, and price is what decides whether someone signs up for the full plan. Spreading that cost into predictable payments tends to keep clients enrolled through the full program instead of dropping off early, and turns more hesitant consultations into booked commitments. Businesses that offer Cherry see:

A soft-check-only application that clients can finish in about 35 seconds
Approval decisions delivered instantly, whether at booking or on their phone
Financing up to $30,000, with terms as long as 60 months
Approval odds as high as 90%, regardless of a client's credit history
Fixed terms from day one — nothing deferred, nothing compounding, no surprises down the road
Your business collects payment in full no matter how long a client's program runs
Exclusive approvals good only at your business, not transferable elsewhere
The lowest merchant fees among healthcare and wellness financing platforms

These are just a few reasons why Cherry is offered first over its competitors more than 80% of the time.

What health and wellness services are eligible for Cherry Payment Plans?

Cherry covers financing across the breadth of the health and wellness space, including:

Cryotherapy sessions and session packages
Medical weight loss programs, including physician-supervised plans and prescription-based treatment
Nutrition counseling, meal planning, and ongoing coaching programs
Sexual health treatments and ongoing care plans
Wellness center memberships, IV therapy, and recovery services

Pricing across these categories varies widely — a single cryotherapy session might run under $100, while a full weight loss or nutrition program can run into the thousands — and Cherry's plans scale to fit either end without changing how a client applies.

Can Cherry finance ongoing memberships or recurring wellness programs, not just one-time services?

Yes. Rather than billing a membership or ongoing program as a recurring monthly charge, your business can set the full commitment up as one Cherry plan at the start. The client sees one fixed schedule for the whole term instead of a new charge hitting their card every month, and your business collects the full value of the membership or program upfront instead of spreading revenue out over its length.

Can Cherry help finance bariatric surgery when insurance doesn't fully cover it?

Yes. Insurance plans that do cover bariatric surgery often still leave a patient with a significant balance — a required medically-supervised diet program that isn't reimbursed, a high deductible, or exclusions on revision procedures — and many plans exclude bariatric surgery altogether. Cherry can finance whatever portion isn't covered, whether that's the surgery itself, pre-op counseling, or post-op follow-up care, so a patient isn't left piecing together financing from multiple sources.

What's the best financing option for weight loss clients on GLP-1 treatments like semaglutide and Ozempic?

Cherry gives your business a way to finance the ongoing cost of a GLP-1 program once manufacturer savings pricing steps down or expires, spreading that cost across a payment plan instead of asking clients to absorb the full price jump out of pocket or stop treatment early. That gap is common: many clients start GLP-1 treatment on manufacturer savings pricing, but that pricing typically doesn't last, and insurance coverage for weight loss — as opposed to diabetes — is inconsistent at best.

What financing options and loan terms are available?

The full range runs from $200 to $30,000 — enough to cover a single cryotherapy visit on one end and a multi-month weight loss or nutrition program on the other. Repayment stretches out to 60 months for longer commitments, or wraps up in a few interest-free weeks under Pay in 4 for a single-session purchase. Whichever term a client picks, the rate is locked in upfront, with nothing deferred and nothing that compounds later.

How quickly can health & wellness businesses integrate Cherry?

Most businesses can get set up with Cherry the same day they register — there's no software to install or workflow to rebuild. We also supply front-desk materials and digital assets so your team can introduce financing at booking or checkout right away.

How long does the application and approval process take?

About 35 seconds covers it. A client applies from their phone or at your front desk, Cherry runs a soft credit check only, and an approval decision comes back instantly.

What is your approval rate?

Up to 90% of applicants are approved, a rate that holds steady whether someone's financing a single session or a longer-term program, and it covers a much wider range of credit profiles than a typical medical credit card would.

Does Cherry perform a hard credit check?

No. Cherry relies solely on a soft credit check to evaluate every application, from a first cryotherapy session to a recurring nutrition program, so a client's credit score is never harmed.

Is our business responsible if a client doesn't make payments?

No. Once a plan is funded, Cherry absorbs the risk of a missed or unpaid installment — your business has already been paid in full and isn't left chasing down a client who falls behind. Handling payment plans internally would put that same risk on your business instead.

How do clients make down payments?

The first payment is due at checkout and can be made by debit card, credit card, or ACH transfer — credit card payments carry a 2.99% processing fee, while debit and ACH are free. Prepaid or gift cards can't be used for any payment on the plan.

Are there any fees for our business?

There's exactly one cost: a per-transaction merchant fee, and it’s the lowest in the healthcare financing industry. Signing up is free, staying active is free, and nothing is billed just for having Cherry available — the fee only applies the moment a client actually uses it.

Can clients manage their payment plans online?

Yes. An online account lets clients switch payment methods, check what's left on their balance, and track upcoming due dates on their own, so your front desk isn't fielding routine account questions.

Who handles customer service?

A US-based Cherry team handles client questions directly — payment dates, rates, updating an account — so your staff stays focused on delivering services rather than managing billing. That same team is available to your business too, for anything that comes up on a funded transaction.

Are clients with insurance eligible, and why would they still need financing?

Yes. Health and wellness services are frequently only partially covered, or not covered at all — nutrition counseling and wellness memberships are rarely reimbursed, and sexual health treatments or medical weight loss programs often fall outside what a plan pays for. Financing fills that gap regardless of what a client's insurance does or doesn't include, without your business needing to sort out coverage details before offering it.

How does Cherry compare to other ways clients pay for health and wellness services?

Cherry locks in terms before a client's first payment, pays your business upfront, and never involves a hard pull on their credit — sidestepping the two options clients default to instead. A credit card carries revolving interest that adds up the longer a balance sits, and an ongoing charge on file for recurring services doesn't give clients a fixed end date or a predictable total cost.

How is Cherry different from CareCredit and Happen Bank?

Unlike CareCredit's revolving credit card, which can apply deferred interest retroactively if a client doesn't clear their balance during the promotional window, Cherry's plans are installment-based with fixed terms set from day one. Happen Bank (formerly LendingClub) and similar general lenders typically run harder credit pulls and narrower approval criteria, which shuts out more clients before they even get to choose a plan. Cherry's broader approval range and lower merchant fees are why more health and wellness businesses offer it first.

What kind of business owners benefit from Cherry?

Cherry benefits solo practitioners running a single cryotherapy studio and multi-location wellness centers offering weight loss, nutrition, and recovery services under one roof the same way: more clients starting programs they'd otherwise delay, steadier monthly revenue instead of one-off payments, and full funding upfront regardless of how long a client's program runs.

What happens if a refund is needed?

Refunds are submitted through the Cherry Provider Portal and can be full or partial, provided the request is made within 60 days of the original transaction. Once that window closes, resolving a refund is between your business and the client directly.

Full Refunds: Closes out the client's remaining obligation, issues them a credit for any unused balance, and returns your processing fee.
Partial Refunds: Applies a credit up to the amount you specify, capped at what's left on the balance, with your fee reimbursement adjusted to match. There's no limit on how many partial refunds you submit against one plan.

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