Questions? We have answers

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

Contact Us

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

Payment Assistance
Phone: (888) 612-2142

Support Hours

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

Application

How to apply | Approval | Denial | Down Payment | Preview Payments

How To Apply

How do I know who accepts Cherry?

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

What do I need in order to apply?

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.

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.

Approval

How do I know I’ve been approved?

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!

How do I inform the practice of my approval?

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!

How do I pick a payment plan?

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 debit card or an American Express credit card to make your down payment!

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 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.

What is the finance charge?

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.

Does my 0% APR offer expire?

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.

Can I increase my approval amount?

No, the approval amount cannot be increased. Once you’re approved, you’re approved for the maximum amount based on your financial background.

Does my approval expire?

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

Denial

Why was I denied?

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”.

 

No need to worry, you will have the ability to apply again after 30 days.

Can I appeal the denial?

No, we’re afraid the denial cannot be reversed but you can absolutely apply again after 30 days.

Down Payment

What is a down payment and when is it due?

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

How much is the down payment?

Your down payment amount depends on your total purchase price and the payment plan you select. It is typically equal to your monthly payment.

How do I make my down 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.

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 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.

What payment method can I use to make the down payment?

Bank-issued debit card 

 

American Express Credit Card

Preview Payment

How can I preview my payments before my appointment?

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.

 

No need to worry, you will have the ability to apply again after 30 days.

What if I don’t know my purchase price?

No problem! 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.

Payments

Make & Manage Payments | Payment Issues

Make & Manage Payments

When is my payment due?

The due date is determined by the day of the month in which your loan was activated. You can find your due date by logging into your account by visiting the Patient Portal.

How can I make a payment?

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

Can I make a payment by check?

Payments by mail may take 7-10 business days to process and we recommend that you make payments online at  Patient Portal or by contacting us at 888-612-2142. 

 

Please make the check payable to Cherry Technologies Inc and include your mobile phone number and Contract ID on the check and send it to:


Cherry Technologies Inc

DEPT 2258

PO BOX 122258

DALLAS, TX 75312-2258

Can I combine my Cherry Payments Plans into one?

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

Can I change my payment due date?

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. 

What happens if I can’t pay on time?

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.

 

If you apply again after 30 days, it is not guaranteed that you will be eligible for a 0% APR offer.

How do I change my payment method?

To change your payment method, log in to your account by visiting the Patient Portal and selecting Add A New Payment Method under My Account.

What payment methods can I use to make my payments?

You can make payments on your Cherry account via ACH electronic transfer from your checking account, Debit Card or Credit Card.

 

Please note that Cherry does not accept payments from Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA).

Can I pay off my loan early?

Yes, you can pay your loan off early at any time and there are no fees or penalties. Please log into your account at Patient Portal and select Pay Off Contract to pay off your loan.

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

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.

 

Please note that Cherry does not accept payments from Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA).

Where can I view my terms of repayment?

You can view your repayment terms on the agreement letter on your account by visiting the Patient Portal.

Payment Issues

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. 

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.

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.

Refunds

Manage Refunds

Manage Refunds

What is your policy on refunds?

We defer to the refund policies put in place by our partner Practices. To request a refund, please contact the Practice where you used Cherry to make a purchase.

I was issued a refund by the Practice, how long does it take to process?

Once the Practice 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.

Account Settings

Manage Account | Login

Manage Account

How can I add, remove or change my card or bank account information?

Log into your account by visiting the  Patient Portal. Navigate to “My Account,” under Payment Information click on “Add New Payment.”

How do I change my mailing address?

You’ll need to contact our Customer Support Team at (888) 612-2142 in order to update your phone number. 

How can I change my phone number?

You’ll need to contact our Customer Support Team at (888) 612-2142 in order to update your phone number.

Login

How do I log in to my account?

You’ll need your mobile phone number to log in to your account by visiting the  Patient Portal.

I can’t log in, what can I do?

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.

Product & Services

Does Cherry perform a credit check?

Cherry performs soft Credit inquiry when applying. It does not negatively impact you to see if you are eligible for a loan.

Where can I use Cherry?

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

How do I know how much I’ve been approved for?

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!

 

If you’re still having trouble logging in after following the steps above, please contact our Customer Service Team at (888) 612-2142.

How can I make a formal complaint to Cherry?

Please contact our Customer Support team via email at [email protected] or call us at (888) 612-2142. 

 

Please provide us with as much relevant information as possible to ensure that we can help you as quickly and effectively as possible.

 

If you’re still having trouble logging in after following the steps above, please contact our Customer Service Team at (888) 612-2142.

How can I set up an appointment?

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’re still having trouble logging in after following the steps above, please contact our Customer Service Team at (888) 612-2142.

Fraud & Security

Fraud Prevention | Data Protection

Fraud Preventation

How can I report a fraud attempt?

If you believe an unauthorized charge has been made in your name, please report it to the proper authorities first and then contact our team at (888) 612-2142. Report the related card or transaction to your issuing bank and provide us with a copy of your Police report via email to [email protected]  as soon as you get it.

How can I protect myself against identity theft?

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

Data Protection

How does Cherry protect my personal information?

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 or 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.