How Does Cherry Work?

Apply to see how much you qualify for and what your payment plan options are. The application process is fast and simple, with immediate results*. Cherry performs a soft credit check, so applying will not harm your credit score.
Find Practice

How Do I Apply?

Option 1. Apply via Practice's Website or Social Media

Each medical practice has their own application link. You can find the application link on their website or their social media pages!

Option 2. Scan in Store Cherry QR Code to Apply

If you’re physically at the location, you can scan the Cherry QR code to access the provider’s unique application link.

Option 3. Request Application Link from Practice

Your medical practice can send you a pre-qualification application link via text message. Simply ask them in person or over the phone for the link.

Application Process

Our application process takes only seconds to apply. No hard credit check, no hidden costs or fees.
  • 1

    Get Approved

    See your results immediately, including how much you’re approved for and what your payment plan options are.*

  • 2

    Checkout in Person

    Scan your ID and see how affordable your next purchase can be.

  • 3

    Pay Later

    We offer flexible payment options to fit any budget. Choose from 3, 6, 12, 18, or 24 month payment plans with some qualifying 0% APR options.

Patient Requirements

Before applying with Cherry. Please review and check that you have all the eligibility requirements. For some patients, Cherry may require additional information in order to determine approval amounts.

18+ Years Old

All applicants must be of legal adult age.


We require a US Government issued identification card to verify your identity.

Bank Issued Debit Card

We require a US Bank issued debit card for your down payment. All subsequent payments can be made by a credit card or ACH payments within the patient portal.

I did not use my full approval amount, can I go back to the store and make another purchase?

Absolutely! If you keep your account current, you may redeem the remaining balance.

For example, if you’re approved for $1,000 and only use $500, you may go back and use the remaining $500 as long as you continue to make payments on time and within 30 days of your approval.

Also, by establishing a good borrower history with Cherry and paying your loans off completely, you can make your full approval amount available again.

How Do I Know When My First Payment is Due?

After you make your initial down payment, you can log into your patient portal at to view your due date, manage autopay and payment methods. We will also send a text reminder before your payment due date.

How Do I View My Payment Plan Options?

Once you input your purchase price, you’ll be provided with the options you have for down payment, interest, and the amount of months to repay your contract with Cherry. Even if you select one now, you can always adjust this when you’re closer to checking out.

How Long is My Approval Valid for?

Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.

*Cherry may ask for additional information from some borrowers in order to determine approval amounts, which may delay the timing of results.