Offer Med Spa Financing for Patients, up to $30K & Lowest Merchant Fees

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Top Choice for Over 10,000 Med Spas

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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Acquire more patients & increase treatment acceptance
Enjoy the lowest merchant fees in the industry
Sell more services & get paid upfront
Seamlessly integrated with Allē, the loyalty program for BOTOX^® Cosmetic, JUVÉDERM^® Collection of Fillers, and more.

More Patients,
More Treatments,
More Revenue

+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

Allē Payment Plans, powered by Cherry

~50% of transactions with an Allē Payment Plan are from patients new to treatment.¹

Offer 6 months of 0% APR to qualifying patients at no cost to you for eligible Allergan Aesthetics treatments.

Patients can easily apply for a Cherry payment plan within Allē, while still earning Allē points on eligible Allergan Aesthetics products and treatments.

SCHEDULE A CALL

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.

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Med Spa Provider FAQs

What is Cherry?

Cherry is a third-party financing company designed to help med spa patients access aesthetic treatments and wellness services without the burden of paying the full treatment cost upfront. With Cherry, your patients can split their purchase price into convenient weekly or monthly payments, empowering them to move forward with popular med spa treatments like Botox, microneedling, CoolSculpting, PRP, Morpheus8, laser hair removal, dermal fillers, and more.

Cherry supports medical spa providers by paying them the full treatment amount upfront while patients repay us over time in flexible installments. This improves cash flow for your business and boosts treatment plan acceptance by offering patients clear, transparent payment options.

How does Cherry work?

Our process is fast, secure, and simple. Here’s how it works:

60-Second Application: Patients complete a quick and simple online application at home or in person at your office before their visit. We conduct a soft credit check that does not affect their credit score.
Instant Decision: If approved, they'll see financing options with different payment terms — including qualifying 0% APR for monthly plans and always interest-free for Pay-in-4 (our 6-week plan).
Upfront Payment: Your med spa receives the full payment for the services (minus a small merchant fee) within 2–3 business days.
Convenient Repayment: Patients pay Cherry back over time using their preferred method — debit card, credit card*, or ACH bank transfer.

*Note: Credit card payments are subject to a small 2.99% processing fee for the patient.

Why should med spas offer Cherry financing?

Med spa patients often delay aesthetic treatments due to upfront costs. Cherry solves this with flexible financing that makes services more accessible — increasing conversion rates and revenue.

Here’s why medical aesthetics providers love Cherry:

Fast application and instant approval process with no hard credit check
Access to loan amounts up to $30,000
High approval rate (80%+), including those with limited or poor credit
No origination fees, no prepayment penalties, no deferred interest, and no compounding interest
Seamless integration and improved patient retention
Compatible with Allē loyalty rewards for injectables like Botox and fillers as well as other Allergan Aesthetics products and treatments

What med spa services are eligible for Cherry financing?

Cherry financing can be used for a wide variety of med spa treatments, including:

Botox & other injectables
Dermal fillers & rejuvenation treatments
Chemical peels & facials
CoolSculpting & body sculpting
PRP therapy & microneedling
IPL, laser hair removal, and other skincare or body treatments

Whether your patients are booking a single session or a full treatment plan, Cherry helps them afford the services they want now, and pay later in affordable monthly or weekly installments.

Does Cherry perform a hard credit check?

No. Cherry never performs a hard credit check.

We only use a soft credit check to prequalify patients, which means their credit score won’t be impacted. This makes the application process completely stress-free, hassle-free, and ideal for patients who want to explore med spa financing options without risk.

What are Cherry’s med spa financing options?

Cherry offers multiple financing plans to suit every financial situation:

Loan amounts from $35 to $30,000
Repayment terms from 6 weeks to 60 months
Options for interest-free Pay-in-4 (our 6-week plan) and qualifying 0% APR for monthly plans
Flexible payment structures based on patient eligibility

Patients can choose the payment plan that best fits their budget, and even pay off early with no penalties.

How quickly can we start offering Cherry?

Med spas can integrate Cherry’s platform the same day — no technical setup or long approval timelines. We also provide your team with free marketing materials, including social media posts, emails, signage, brochures, and social content to help you promote your promote your new Cherry financing solutions to patients.

What is the approval rate?

Cherry has an industry-leading 80%+ approval rate. Our proprietary underwriting tool looks beyond traditional credit scores to help more patients qualify — even those previously declined by other lenders like CareCredit or PatientFi.

Does Cherry report to credit bureaus?

Yes, Cherry reports payment history to Equifax, Experian, and TransUnion. This allows patients to potentially build credit with consistent, on-time payments — something not always available through a medical credit card.

How do patients make down payments?

A down payment equal to the first installment is collected at checkout. They can pay with a credit card*, bank-issued debit card, or ACH. All future payments can be made from the patient dashboard using the same options.

*Note: Credit card payments are subject to a small 2.99% processing fee for the patient.

Can patients manage their plans online?

Yes, through a user-friendly patient portal, they can track monthly installments and make payments on time.

What if patients have questions or need support?

Cherry’s US-based customer support team handles all patient inquiries — from questions about interest rates or repayment to updating debit card info or resetting passwords. Your staff can stay focused on delivering exceptional care and spa services while we take care of the rest.

How is Cherry different from CareCredit or other lenders?

Cherry is not a credit card, and unlike CareCredit, we don’t conduct hard credit pulls, don’t charge deferred interest, and don’t require patients to apply for a line of credit they may never use.

We offer:

Nearly 2x the approval rate of CareCredit
No deferred interest traps
No compounding interest
Higher loan amounts and longer terms than other leading lenders
Lower provider fees/merchant fees and greater transparency
Direct integration with Allē, with no provider fees on select payment plans for Botox, Juvéderm, and other eligible Allergan Aesthetics products and treatments

What kind of business owners benefit from Cherry?

Whether you’re a solo injector, own a boutique day spa, or run a multi-location medical aesthetics practice, Cherry helps you:

Offer flexible payment options for medical services
Acquire more patients and boost customer satisfaction
Increase average ticket size and conversion rate
Improve cash flow with upfront payment
Reduce cancellations due to pricing

Don’t take our word for it. Read testimonials from practices that use Cherry.

Can patients access Cherry payment plans if they already have insurance or loyalty points?

Yes. Patients can use Cherry alongside their insurance benefits or loyalty rewards (like Allē) to cover anything their plan doesn’t — including spa services, aesthetic treatments, or other elective procedures not typically covered by healthcare providers.

What happens if a refund is needed?

Refunds are handled easily in your Cherry Provider Portal.

Both partial and full refunds are supported within 60 days of the transaction. After that, it’s up to the practice to coordinate directly with the patient.

Full Refunds: A full refund cancels the patient’s contract. The practice receives reimbursement from Cherry for processing fees, and the patient receives a credit for any remaining balance owed.
Partial Refunds: A partial refund issues a partial credit to the patient, not to exceed the full remaining balance. Cherry prorates and reimburses the practice’s processing fees. Partial refunds can be performed multiple times and only up to the full remaining balance.

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Top Choice for Over 10,000 Med Spas

The (Almost) 5 Star Payment Plan Company

Monthly Pricing
Looks Better

More Patients,
More Treatments,
More Revenue

Allē Payment Plans, powered by Cherry