You’ll need to have a credit score of at least 520, a social security number, you must be 18 years or older and in some cases, you may be asked to connect your online banking account.
Yes, however, once you’re approved, you’re approved for the maximum amount you can use with Cherry at that 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.
Cherry never performs a hard credit inquiry; therefore applying with Cherry does not impact your credit score. However, if you make a purchase with Cherry, we are required to report account information and loan payment history, which may impact your credit score
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.
After you submit your application, we’ll send you a text message with our decision. If you’re approved, we’ll let you know how much you’ve been approved for!
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!
The practice will send you a checkout link via text at the time of your appointment. You will have the chance to review your options before agreeing to the terms and conditions. Don’t forget to bring your bank-issued debit card or credit card to make your down payment!
No, approvals are unique to each practice and approval amounts can vary by practice. However, once you make a purchase with Practice A, you are able to redeem the remaining balance of your approval with Practice A within 30 days of your approval.
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 6-month term with 0%, this promotion is valid until the end of the term as long as you stay current with your payments.
If you apply again after 30 days, it is not guaranteed that you will be eligible for a 0% APR offer.
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.
Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.
We look at a few things such as your credit score, credit history, your income, and debt-to-income ratio when making our decision. You can access your denial reason by visiting the Patient Portal. Navigate to “My Account” and click on “Notices and Disclosures”.
You will have the ability to 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.
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 Debit Card or a Credit Card* to make your down payment.
*Making payments via Credit Card or Pre-Paid Debit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.
Once you’re approved, you’ll have the option to preview your payments before you checkout with the practice.
You can always revisit the practice application page and click on View My Options.
You can make payments on your Cherry account via ACH electronic transfer from your checking account, Debit Card or Credit Card.
Note: Making payments via Credit Card or Pre-Paid Debit Card will result in a 2.99% processing fee. There is no processing fee for ACH and Debit Card payments.
Cherry does not accept payments from Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA).
Payments by mail may take 7-10 business days to process. We recommend that you make payments online at your Patient Portal or by contacting us at 888-612-2142.
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
PO BOX 122258
DALLAS, TX 75312-2258
For payments sent via all other methods, please use this address*:
Dallas Regional Lockbox
Cherry Technologies Inc
1501 NORTH PLANO RD, STE 100
RICHARDSON TX 75081
*Deposits received via methods other than the USPS may not post same day.
Unfortunately, you cannot combine payments for multiple plans and will need to submit a separate payment for each plan by the payment due date.
Cherry reports your payment activity and contract status on the 15th of every 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 (888) 839-7171 or [email protected] 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.
You can change your payment due date once during the life of your loan by visiting the Patient Portal and selecting Change Due Date.
Please note that your Cherry account must be current at the time to be eligible to change your payment due date once during the life of your loan.
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.
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.
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.
If you’re looking to cancel or get a refund on your payment plan, please reach out to the practice directly first. We defer to their refund policies.
A non-sufficient funds (NSF) fee 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.
Cherry contracts that are older than 60 days are ineligible for refunds through the Cherry platform.
To request a refund, please contact the practice where you used Cherry to make a purchase.
We defer to the refund policies put in place by our partner practices and cannot initiate a refund without practice approval.
Once the practice authorizes a refund, we will credit the refunded amount (full or partial) into your Cherry contract. 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.
Log into your account by visiting the Patient Portal. Navigate to “My Account,” under Payment Information click on “Add New Payment.”
To update the physical residential address on file please email [email protected] a clear copy (photocopies are accepted) of your driver’s license, identification card, a utility bill, or lease/mortgage agreement with your new physical residential address.
Please list the subject of the email as “Account Information Update - New Address” and include your name and phone number in the body of the email.
For questions, please call 888-839-7171.
Unfortunately, a P.O. box cannot be used when applying for a loan or be used as your current address on file for an existing loan with Cherry due to compliance reasons that Cherry must uphold.
Alternatively, you may provide proof of address of a different residential mailing address that you are associated with (such as a family member’s residence). Proof of address is required when updating an address on file with Cherry due to regulations imposed on us by our issuing bank, Cross River Bank.
Please ensure you’re using the phone number associated with your account. If you didn’t receive your verification code, you can always have one resent.
If you’re still having trouble logging in after following the steps above, please contact our Customer Service Team at (888) 612-2142.
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.
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.