Questions? We have answers

Explore the questions that are frequently asked by other Cherry patients.

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.


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

Does Cherry report to the credit bureaus?

Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.

Can missing payments on my account with Cherry hurt my credit?

Once you take out a loan with Cherry, we may report repayment information about your account to the consumer reporting agencies. Loans that are marked as delinquent may have a negative impact on your credit score.

What is your policy on refunds?

To request a refund, please contact the merchant where you used Cherry to make a purchase.


We defer to the refund policies put in place by our partner merchants and cannot initiate a refund without merchant approval. 


Once the merchant authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly. 


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.

How do I dispute my purchase?

If you have a complaint regarding the goods or services rendered by the practice, please contact them directly to inquire about the status of your treatment. 


You are required to make payments on your payment plan until the issue is resolved.

Can I change my due date?

We allow a one-time due date change to a date within 25 days of your original scheduled due date. This change can be made in your portal after your contract has been created.

Are there any fees or penalties for paying early?

No! 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, saving you money.

What are the hours of your help line?

Our support line is staffed Monday through Friday from 9am EST until 9pm EST (excluding holidays). Saturday 9AM until 7PM EST and Sunday 10AM until 3PM EST. If you can’t reach one of our customer service representatives, please leave a message and we’ll get back to you as soon as we can.

Contact Us

Email: [email protected]
Phone: (888) 839-7171

Support Hours

Monday through Friday 9AM – 9PM EST.
Saturday 9AM – 7PM EST.
Sunday 10AM – 3PM EST.

Approved? Here's what to do next.

How long is my approval valid for?

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

Can I increase my approval amount?

Once you’re approved, you’re approved for the maximum amount based on your financial background.

Can I apply with multiple practices at the same time?

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.

Can I use my approval balance from Practice A with Practice B?

No, approvals are unique to each practice and approval amounts can vary by merchant. 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.

What if I don’t know my purchase price?

No problem! You can input any amount and the merchant can update this price before you confirm your contract.

Does my 0% APR offer expire?

No, if you’re eligible for a 0% APR offer, it doesn’t expire for the current approval. For example: If you were approved for a 6 month term with 0%, this promotion is valid until the end of term as long as you stay current with your payments.

How do I inform the merchant of my approval?

Now that you have your approval, the merchant will already be able to view it on their end. Now all you need to do is set up an appointment with them!

Can I pay this off early?

Yes, Cherry does not have any prepayment penalties. If you have interest and payoff early, you’ll even avoid some of that interest. 

Can I make payments with a credit card?

Yes, you can make payments with a credit card, however payments with a credit card cannot be set up on autopay.

Where can I view my terms of repayment?

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.

What is the finance charge?

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

How can I return to my approval if I’ve closed it out?

You can access your approval by logging into your portal at

How can I set up an appointment?

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

How much is my down payment and when is it due?

Once you input your purchase price, you’ll be provided with the options you have for down payment. It is due when the merchant confirms they will need the funds in order to move forward with your services.

How do I make my down payment?

You will need to reach out to the merchant in order to move forward with your application. They will need to send you a link to confirm your purchase price and checkout your application.

Why was I denied?

You can access your denial by logging into your portal at No need to worry, you will have the ability to apply again after 30 days. 

When can I apply again?

Whether you were denied or approved, both last for 30 days. Once that time period expires, you are welcome to reapply.