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Split big costs into smaller monthly payments with Cherry. Let your money go further when you pay in installments with Cherry Payment Plans.

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How does Cherry work?

Apply for a Cherry Payment Plan in seconds,
without impacting your credit score.

1
Apply
Ask your practice for their unique Cherry application link or find it online.
2
Get Care
Use your approved Cherry funds to pay for your treatment. When you’re ready to pay, your practice will send you a checkout link.
3
Pay Over Time
Choose a plan length that fits your budget, with qualifying 0% APR options.

Get started

See if my provider accepts Cherry I'm ready to apply

Questions? We're here to help

Explore questions that are frequently asked by other Cherry patients.

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Application

Ask your practice for their unique Cherry application link or find it online.

You can check out our Practice Finder tool to find a location near you and apply!

No, Cherry never performs a hard credit inquiry; therefore applying with Cherry does not impact your credit score.

Yes, however, once you’re approved, you’re approved for the maximum amount you can use with Cherry at that practice at the given time.

For example, if you’re approved for $5,000 with Practice A and $5,000 with Practice B, your total financing available with Cherry will be $5,000. You may choose how you’d like to allocate those funds amongst the practices, but you will not be able to exceed the total of $5,000.

How do I know who accepts Cherry?

You can check out our Practice Finder tool to find a location near you!

I received an error message when trying to pay, what can I do?

Please attempt to validate your payment method by logging into your account, if you are unable to process your payment successfully please contact us at 888-612-2142 where one of our payment specialists will be able to help. 

Why was I charged a fee?

Dishonored payment fees of $15.00 may apply if a scheduled payment is returned as unpaid.

Late fees may apply if a scheduled payment is missed, late fees vary by state.

How do I cancel my Cherry Payment Plan?

If you’re looking to cancel or to get a refund on your Cherry Payment Plan, please reach out to the practice directly as we defer to their refund policies.

The finance charge is the total interest you would pay on your contract if all payments are made on time. This amount is already included in your monthly payment.

No, if you’re eligible for a 0% APR offer, it is current for the length of the approval. For example: If you were approved for a 24-month term with 0% APR* , this promotion is valid until the end of the term as long as you stay current with your payments. Please see here for examples on what a Cherry Payment Plan may look like.

Approval length may vary by practice but approvals always last for at least 30 days. To see when your approval expires, view your approval in the Cherry Patient Portal.

Please check the Cherry Patient Portal by logging in with your personal phone number. From there, click the 3 lines in the top right corner and select "Applications" for any expired approvals. You may be able to re-activate the expired approval or quickly re-apply.

If you are eligible for an increase, you may request this through the Cherry Patient Portal. Increased approval amount and the decision are subject to eligibility. If you do not see the button to "request an increase," it means you are ineligible for an increase at this time.

No, approvals are unique to each practice. You can apply separately at each practice.

Contact your practice and ask them to send you a checkout link via text. You will have the chance to review your options before agreeing to the terms and conditions.

Now that you have your approval, the practice will already be able to view it on their end. All you need to do is set up an appointment with them and indicate that you’d like to use Cherry at checkout!

This decision was based off of a few things such as your credit score, credit history, your income, and debt-to-income ratio. You can access your specific denial reason by visiting the Patient Portal. Click on “View Documents” and review the Adverse Action Letter. If you believe there is an error with your credit information, reach out to the credit bureaus before reapplying. You will have the ability to apply again after 30 days.

The denial cannot be reversed, but you can apply again after 30 days.

A down payment is required in order to finalize your payment plan. It will go toward your total purchase price. It is due when the practice sends you the checkout link.

Your down payment amount depends on your total purchase price and the payment plan you select. It is typically equal to your monthly payment, though you have the option to make a larger down payment when you checkout.

The practice will need to send you a checkout link to confirm your purchase price. You will have the option to choose the payment plan that works best for you and make a down payment.

You can use a non-pre paid Debit Card or a Credit Card* to make your down payment.

*Making payments via Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.

To see if your card is prepaid, look for the word "prepaid" on it. Prepaid cards aren’t tied to a bank account and need money loaded onto them. Gift cards are prepaid cards. They may also come with some fees. If you're not sure, you can check with the card issuer.

You can preview payments in the "Applications" tab of the Patient Portal. To navigate to Applications, click the top-right icon with the 3 horizontal lines to open the menu. From there, select "Applications." On this screen, click your approval, and then click the button labeled "Preview Payments". Here's the link to your portal for convenience: https://patient.withcherry.com

You can input any amount to preview your payment options. The practice can update this price at checkout before you confirm your Cherry Payment Plan.

The practice will need to send you a checkout link to confirm your purchase price. You will have the option to choose the payment plan that works best for you and make a down payment. You will need to have your phone and either a debit or credit card to pay the down payment and complete the checkout.

To pay with Cherry, you must have either a valid credit or debit card to pay for your down payment as well as a mobile phone to complete your checkout. Without these, you won’t be able to use Cherry for payment.

Payments

The date that your payments are due is determined by the date you selected when you first set up your payment plan.

To see your list of scheduled payments, visit your Patient Portal and navigate to the "Scheduled Payments" page.

You can change your payment due date once during the life of your loan by visiting the Patient Portal, navigating to "Payment Plans", selecting the specific payment plan you'd like to change, and clicking the "Change Due Date" tile.

Please note that in order to be eligible to change your due date, you cannot currently be behind in making your payments.

Also note that changing your due date impacts all subsequent installments. For example, if you change your due date from Octoboer 12th to October 17th, you will make payments on the 17th of every month thereafter.

If you are unable to make your payment on time, please contact us as soon as possible at 888-612-2142 where one of our payment specialists will explore options available to assist you. We also allow a one time due date change within 20 days of your originally scheduled due date. This change can be made in your Patient Portal.

Here is a list of acceptable payment methods:

  • Bank-Issued Debit card
  • Bank account (ACH checking or savings)
  • Check payment (must be sent at least 10 business days before the due date)
  • Prepaid card (with a 2.99% processing fee)
  • Credit card (with a 2.99% processing fee)

Please note that autopay is not supported with prepaid payment methods.

Cherry does not accept payments from Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA). You can however pay with a debit card and submit the receipt of payment to your HSA / FSA provider for reimbursement. Please note it is up to your HSA / FSA provider to approve these expenses. We generate a monthly statement in your patient portal that is available to you each month 2 weeks before your next scheduled due date. You may use that as a receipt/invoice to submit to your HSA / FSA provider.

Payments by mail may take 7-10 business days to process. We recommend that you make payments online at your Patient Portal. If you opt to make a payment via check, please ensure you follow these guidelines to ensure the payment is appropriately credited to your account:

  • Make the check payable to Cherry Technologies Inc
  • Include your mobile phone number and Contract ID in the check "Memo"

For payments sent via the United States Postal Service (USPS), please use this address:

Cherry Technologies Inc
DEPT 2258
PO BOX 122258
DALLAS, TX 75312-2258

For payments sent via all other methods, please use this address*:
Dallas Regional Lockbox
Cherry Technologies Inc
892258
1501 NORTH PLANO RD, STE 100
RICHARDSON TX 75081

*Deposits received via methods other than the USPS may not post same day.

To change your payment method, visit your Patient Portal and navigate to "Account" from the homepage or navigation menu. You may view all your payment methods, and add a new one by clicking "Add Payment Method".

No. Check payments received by mail are processed (Monday - Friday) based on the day the check is received and Cherry does not support processing a payment that is dated for the future.

You can make payments by logging into the Patient Portal and then selecting the "Make A Payment" quick action tile.

You cannot combine payments for multiple plans and will need to submit a separate payment for each plan by the payment due date.

Although a separate payment must be processed for each of your plans each month, you may align the due dates of your plans so that all payments are processed on the same day. To do, log in to your Patient Portal using your phone number (you do not need to create an account), navigate to the payment plan(s) you'd like to change the due date of, and click the "Change Due Date" quick action tile.

Yes, you can pay your loan off early at any time. Your account will not be charged any fees or penalties if you pay early. Also, if you pay off your account before the final payment is due, you won’t pay any interest that would accrue over the rest of the loan term, saving you money. Please log into your account by visiting the Patient Portal, click on "Make a Payment", select the payment plan you would like to pay off, and select "Pay Off Contract" to pay off your loan.

You can view your repayment terms on the agreement letter on your account by visiting the Patient Portal. Navigate to the "Documents" page and select your "Loan Agreement" from the document list.

Cherry is a paperless company; therefore, you will not receive mailed statements.

You will receive payment reminders via text messages, and you can view your monthly statements by visiting the "Documents" page of your Patient Portal. Click on "View Documents" from the Homepage, or "Documents" in the navigation menu to review your statements.

To prevent payment errors, please ensure that:

  • Your payment method details are correct
  • Your payment method is not expired
  • There are sufficient funds in the account / on the card
  • You are not using a prepaid card for monthly payments

If all of the above are true, please try your payment again. If you continue to run into issues, send us a message.

The easiest and fastest way to get this resolved would be to contact the practice directly. Our funding policy requires us to send all funds from Cherry to the desired practice provider on the same day. As a result, we must abide by their cancellation and refund policies. As a third party, Cherry only provides the financing on your behalf and cannot force a refund from the Practice to close your contact, which is a separate entity. If you're not able to reach the practice or get a resolution from them, please then log into your Patient Portal to fill out the dispute under "Payment Plans."

Non-Sufficient Funds (NSF) fee: A NSF fee of $15.00 may apply if a scheduled payment is returned as unpaid.

Late Fee: If we do not receive a payment in full within ten (10) days after your scheduled due date, then we may charge you a late fee in the amount of $15.00. Late fee policies may vary by state - please consult your loan agreement for the policy that applies to your contract. A fee may be waived once every 6 months per loan.

Cherry reports your payment activity and contract status from the previous month to the three major credit bureaus —Equifax, Experian, and TransUnion— between the 10th and 15th of each month. If you believe there is an error on your credit report related to information provided by Cherry, here’s what you can do:

Contact our Support team at [email protected] or chat with us here to issue a credit bureau dispute internally.

Cherry will investigate upon receipt of the dispute and provide a resolution within 15 business days. If corrections are warranted, it can take 30 to 60 days from the date of the resolution for the correction to reflect on your credit report.

Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other delinquencies on your account to the credit bureaus.

Payment plans that have been unpaid for 120 days are written off by Cherry as a loss.

Note: This debt must still be repaid. A charge-off will appear on your credit report and may negatively impact your credit score.

To settle a charged-off account, please log in to your Patient Portal using your phone number (no account creation is needed) or call us directly at 888-724-1473 for assistance with your charged-off account.

While the charge-off will still be on your credit report, the status will be updated to "Paid in Full" or "Settled in Full", which may improve your credit score over time.

For additional information, please contact Equifax, Experian, or TransUnion.

No. A charge-off will appear on your credit report until you have repaid the balance or completed a settlement offer in full. After full repayment, your payment plan's status will be updated to reflect as "Paid in Full" or "Settled in Full" on your credit report. The status may take 30-60 days to update after full repayment.

Refunds

We defer to the refund/cancellation policies put in place by our partner practices and cannot initiate a refund/cancellation without their approval.

Once the practice authorizes a refund, we will credit the refunded amount (full or partial) to your Cherry contract within 7-10 business days. Any refund in excess of your outstanding balance will be credited to the payment method on file.

If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.

Product & Services

Cherry can be used at participating locations. You can check out our Practice Finder tool to find a practice near you!

To make a formal complaint, please contact support at [email protected] or chat with us here. Please provide us with as much relevant information as possible to ensure that we can help you quickly and effectively.

You will need to reach out to the practice directly in order to set up an appointment and move forward with confirming your contract. Cherry will not be able to assist with this.

Fraud & Security

If you believe an unauthorized application has been submitted or an unauthorized contract has been taken out in your name, please contact our team at (888) 839-7171.
In order to initiate the fraud claim process we must verbally speak with you and gather the necessary details surrounding your claim.

If you believe an unauthorized charge has been made in your name, report the related debit card, credit card, or bank account to your issuing bank so they may be able to assist you with disputing the charges.

You may also report the unauthorized contract and/or charge to the proper authorities to further protect your identity and information.

Fraud alert messages notify potential credit grantors to verify your identification before extending credit in your name in case someone is using your information without your consent.

You may contact any of the nationwide credit bureaus to request a fraud alert. You are entitled to a free credit report if you are the victim of identity theft.  You can contact the credit bureaus (Experian, Equifax, TransUnion) to request a free copy of your credit report and to place a fraud alert on your account. Below are the phone numbers for each of the credit bureaus.

    • Equifax- 800-525-6285
    • TransUnion – 800-680-7289
    • Experian- 888-397-3742

The security of your data is our highest priority. Cherry has implemented and maintains an information security program that includes industry-standard technical, administrative, and physical security measures to protect personal information against loss, misuse, unauthorized access, or improper disclosure.

All payment information is processed securely. No details are transferred to or held by the Practice. All transactions take place via secured connections following strict security protocols. You can remove your linked bank account or card at any time. For additional information, please refer to our Privacy Policy.