Plastic Surgery Financing: Offer up to $50K, Approve up to 90%

Trusted by 60,000+ providers nationwide

Don’t Lose Patients to Sticker Shock

Payment plans from 6 weeks to 60 months. True 0% APR available.

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More Patients,
More Procedures,
More Revenue

+30% increase
in case acceptance

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+50% increase
in transaction size

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~90% industry-leading
patient approval rate

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Approvals exclusive
to your practice

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Allē Payment Plans, powered by Cherry

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

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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.

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Save on Time & Money

Lower your
merchant fees

Save as much as 50% on your merchant processing fees.

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Get paid
upfront

Receive full payment in 2-3 business days. Easily improve your cash flow.

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Reduce billing
headaches

Cherry handles repayment directly with your patient, so you can focus on providing care.

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Plastic Surgery Provider FAQs

What is Cherry?

Cherry is the #1 preferred healthcare and wellness-focused financing company in over 2,500 plastic and cosmetic surgery practices, helping consumers pay for medical services like plastic surgery, dermatology, dental care, and veterinary treatment. We offer patients the ability to split the total cost of treatments — ranging from $200 to $50,000 — into manageable weekly and monthly installments with competitive fixed interest rates and special financing options like qualifying 0% APR (annual percentage rate). This allows practices to offer more treatment and enhance cash flow without the burden of managing in-house financing.

How does Cherry work?

Cherry simplifies medical financing in a few easy steps. Here’s how it works:

Quick Application: Patients complete a 60-second online application that doesn’t hurt their credit score and get an instant approval decision.
Instant Decision: If approved, patients see loan offers and select their preferred payment plan based on loan amount, repayment term, and budget.
Upfront Payment: The provider receives full payment from Cherry for the services, minus the merchant processing fee.
Swift Treatment: Patients undergo their surgical procedures without delay and repay Cherry comfortably over time.

Why should we offer Cherry financing options at our practice?

Cherry frees plastic surgeons and other healthcare providers from the burden of managing in-house financing options while empowering them to perform more procedures, help patients cover out-of-pocket medical costs with flexible payment plans, and enhance cash flow with immediate payment for services.

Many patients prefer to cover medical expenses with simple payment options, which is why many Cherry providers have seen a big boost in business since adopting our third-party financing. Other top reasons plastic surgeons lead with Cherry 5x more often than other partners like PatientFi, CareCredit, and Alphaeon:

Fast, easy-to-use application that doesn’t affect credit score, creating a streamlined payment experience from start to finish
Broad eligibility and high approval rate (up to 90% across credit profiles), enabling more patients to afford plastic surgery procedures
True 0% APR options, no deferred interest
Seamlessly integrated with Allē, the loyalty program for BOTOX® Cosmetic, JUVÉDERM® Collection of Fillers, and more
Lowest merchant fees in the industry

Is our practice responsible if patients don’t pay off their medical debt?

No, your practice is not financially responsible if a patient defaults on their loan. Cherry assumes all risk associated with patient financing, ensuring that your practice receives full payment regardless of the patient's loan status.

How and when does our practice receive payments?

Your practice receives the full payment amount upfront, directly deposited into your bank account electronically within 2-3 business days after the patient checks out. This streamlined funding process ensures consistent cash flow, making Cherry ideal for practices of any size — from individual board-certified plastic surgeons to multi-location clinics.

Who handles customer service — your team or our practice?

Cherry handles all aspects of customer service related to patient financing. Your team won’t need to answer any questions about loan terms, monthly payment plans, interest rates, or credit reports. With help via online chat, email, and a convenient phone number, our US-based support team takes care of it all.

From the application process to ongoing account management, Cherry ensures patients get the administrative help they need, allowing your staff to stay focused on offering exceptional elective procedures and post-operative care. It’s just one of the many reasons that over 60,000 medical practices — from plastic surgeons to dermatologists, veterinarians to dentists — choose Cherry as their first-look financing partner over 80% of the time (head-to-head against all competitors).

Are there monthly, annual, or one-time setup fees?

No, Cherry does not charge plastic surgeons a setup, monthly, or annual fee. Your practice can begin offering Cherry’s plastic surgery financing options at no cost, with no hidden charges or additional overhead. Merchant processing fees apply, but they are up to 50% lower than other financing companies like CareCredit and PatientFi. Cherry charges the lowest merchant fees in the industry.

Do you offer marketing support to promote financing options?

Cherry offers free marketing materials — social media posts, emails, in-office signage, and brochures — to educate patients on all aspects of reconstructive and cosmetic surgery financing: covered procedures, monthly payment options, pricing, loan terms, and more.

Are your loan products tailored specifically for plastic surgery or more general consumer lending?

Unlike healthcare credit cards, unsecured personal loans, medical loans, and other general credit lines, our loan options are designed to be used exclusively with the Cherry provider offering medical treatment to the patient. They feature low interest rates, no hidden fees — such as deferred, retroactive, or compounding interest — payment terms up to 60 months, and special financing options like qualifying 0% APR. This flexibility allows patients to manage their treatment costs over a reasonable period of time with predictable, affordable monthly payments.

What plastic surgery procedures are eligible for financing?

Cherry’s third-party financing options cover a wide range of life-changing plastic surgery procedures, including but not limited to:

Breast augmentation surgery, like breast lift, breast reduction, and breast reconstruction
Mastectomy
Body lift
Brazilian butt lift (BBL)
Abdominoplasty (tummy tuck surgery) and mini abdominoplasty (mini tummy tuck procedure)
Liposuction and other weight loss procedures
Rhinoplasty procedure (nose job)
Septoplasty
Facelift
Platysmaplasty (neck lift)
Brow lift
Blepharoplasty (eyelid surgery)
Fat transfer
Full mommy makeovers
Gynecomastia procedures

It also applies to non-surgical cosmetic procedures like:

Botox, fillers, and other injectibles
Body contouring procedures like CoolSculpting
Advanced skin care treatments

From elective surgery to reconstructive procedures, Cherry can help patients make medical bills more manageable.

Can Cherry Payment Plans cover the full cost of care, including the surgeon’s fee, facility fees, and anesthesia?

Yes. Cherry can be used to finance the full cost of care associated with a cosmetic procedure, not just a portion of it. This includes the cosmetic surgeon’s fee, facility or surgery center fees, anesthesia, and other related treatment costs. By bundling everything into a single financing solution with flexible payment options, practices can present a clear, upfront price and avoid splitting payments across multiple methods, helping patients better understand and manage the total cost of care.

Can Cherry be used to finance brand-name treatments and products used in cosmetic procedures?

Yes. Cherry financing can be applied to brand-name treatments and products commonly used in cosmetic care, including injectable and aesthetic products such as Allergan brands. This makes Cherry a flexible option for practices that offer both surgical and non-surgical treatments, whether in private practices, med spas, or surgery centers. Providers can use Cherry to finance procedures, products, or combined treatment plans without limiting eligibility based on treatment type.

Is Cherry a good option for short-term financing plans as well as longer repayment timelines?

Yes. Cherry is designed to support both short-term and longer-term financing needs from 1-60 months. Patients can choose short-term plans that help them manage costs without relying on a savings account, as well as extended repayment options that offer low monthly payments over time. This flexibility allows practices to offer stress-free payment options for patients looking to finance cosmetic surgery in a way that fits their budget and timeline.

How long does the loan application process take?

Before or during their visit, borrowers can complete our online application and get an approval decision, all in 60 seconds. If approved, they can use the funds immediately to cover their medical procedure. A fast, patient-friendly application is just part of what makes Cherry the preferred first-look financing option of over 80% of practices compared to competitors.

Will the application process affect my patients’ credit scores?

Cherry conducts a soft credit check to prequalify, and fully evaluate the borrower — which means no credit check during the application process will hurt the borrower’s credit score. At no point do we conduct a hard credit check. This approach allows borrowers to explore all financing options to secure the best terms and the lowest rate possible without fear that it will impact their credit report.

Is your plastic surgery financing available to patients with bad credit?

Yes, patients with good credit, bad credit, and limited credit backgrounds can qualify for financing plans tailored to their individual circumstances. At Cherry, we know that credit history is only a glimpse of a patient’s financial situation, and with a proprietary underwriting algorithm, we’re able to look beyond outdated markers of creditworthiness to accept a wider range of borrowers who may otherwise only receive credit approval for a high-interest or secured loan.

What is your average approval rate?

We boast an industry-leading approval rate of up to 90% across credit profiles, accommodating a wide range of borrowers.

What loan terms do you offer patients?

We offer flexible financing options like loan amounts up to $50,000, repayment plans between 1 and 60 months, and competitive interest rates — including interest-free plans for Pay-in-4 and qualifying 0% APR for monthly plans. With a range of options, Cherry allows patients to finance plastic surgery on their own terms.

How do patients make down payments?

A down payment equal to the first monthly installment is required to lock in a patient’s loan. Down payments can be made with a credit card* or debit card — including major providers like Visa, Mastercard, and American Express. Any future monthly payments on a patient’s Cherry account can be made via ACH electronic transfer from their checking account, debit card, or credit card*.

*Note: Making payments via credit card will result in a 2.99% processing fee for the patient. There is no processing fee for making payments via ACH or bank-issued debit card. Please note that prepaid cards, including Cash App cards and gift cards, aren’t accepted. To confirm whether your card is prepaid, look for the word “prepaid” on the card or contact your card issuer.

Can patients manage their payment plan online?

Yes, patients can manage their plan online and track monthly payments from an easy-to-use dashboard.

Does Cherry report patient payments to credit bureaus?

Yes, Cherry reports patient payments to the three main credit bureaus: Equifax, TransUnion, and Experian.

Will our patients be charged an origination fee or a prepayment penalty?

Cherry prioritizes transparency with no origination fees, prepayment penalties, deceptive promotional periods, or deferred interest traps. Patients can pay off their loans early without any extra charges.

What types of borrowers are ideal for Cherry?

Cherry financing is ideal for patients who want to make the cost of plastic surgery procedures — like breast enhancement, liposuction, or rhinoplasty — more affordable through flexible monthly payments.

It’s especially helpful for those with limited credit history who may have been declined by other lenders like CareCredit, Alphaeon Credit, or PatientFi.

Cherry’s quick, fully online application process, soft credit check, and true 0% qualifying APR make it a strong option for patients looking to manage surgery costs on their own terms — without hidden surprises like origination fees, prepayment penalties, or predatory deferred interest promotional financing.

Are patients with health insurance plans eligible for your plastic surgery loans?

Yes. Patients can use Cherry to cover procedure costs that aren’t covered by insurance companies, including but not limited to injections, breast implants, facelifts, and full mommy makeovers. Patients can also use Cherry to help meet a deductible, cover copayments, and make other purchases associated with the procedure.

How are refunds handled?

Refunds can be initiated within the transaction tab of the Provider Portal by selecting the dropdown of a completed transaction. Full refunds and partial refunds are available to choose from. Transactions that are older than 60 days are ineligible for refunds through the Cherry platform. To initiate a refund outside of the first 60 days, it is up to the practice to facilitate the refund 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.

How does Cherry compare to other types of plastic surgery financing solutions?

Cherry offers a simpler, more transparent alternative to many traditional plastic surgery financing options. Patients often compare Cherry to personal loans, credit cards, or a bank-issued line of credit, which may come with higher interest rates, rigid credit limits, or revolving balances that are harder to manage.

Even the best personal loans can’t match Cherry’s true 0% APR options for qualified borrowers, and patients with excellent credit may still find that Cherry offers lower interest rates and clearer repayment terms than many revolving credit products. Credit cards and lines of credit can also make cardholders confused about balances and payment timelines.

With Cherry, patients select a clear installment plan with predictable payments, making it easier to finance specific procedures — such as tummy tuck financing — when insurance coverage doesn’t apply or only partially offsets the procedure. For providers, this makes Cherry a straightforward financing solution that’s easy to explain and easy for patients to feel confident using. That’s why Cherry is preferred as the first look partner over 5x more often than CareCredit, PatientFi, Alphaeon, and other financing partners.

How are you different from other online lenders like PatientFi, Alphaeon, Prosper Healthcare Lending, and the CareCredit Card?

Unlike CareCredit, we don’t perform hard credit checks, apply deferred interest charges, or require patients to apply for medical credit cards like the CareCredit credit card. We approve nearly twice as many borrowers and are up to 50% cheaper for providers.

Compared to Alphaeon credit, we can offer up to $10k more in financing, don’t conduct a hard credit check, don’t require patients to apply for a credit card like the Alphaeon Credit Card, and don’t apply deferred interest charges.

Compared to Prosper, we don’t conduct hard credit checks or apply origination fees, and we offer a wider range of financing terms, as well as true 0% APR for qualified borrowers.

Compared to PatientFi, we have no deferred interest charges, do not share consumer data with credit unions, offer lower provider fees, and approve more patients across all credit profiles.

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Don’t Lose Patients to Sticker Shock

80%+ of providers pick Cherry as their #1

Monthly Pricing
Looks Better

More Patients,
More Procedures,
More Revenue

Allē Payment Plans, powered by Cherry

Why Top Plastic Surgeons Choose Cherry