Offer Plastic Surgery Financing for Patients, $50K Approvals & Lowest Merchant Fees

Now available within

The Gold Standard
for Plastic Surgeons

See more patients with Cherry Payment Plans for procedures up to $50,000.

Payment plans range from 6 weeks of always interest-free to 60 months with qualifying 0% APR or as low as 5.99%.

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Convert more consultations into procedures
Save big with the lowest fees in the industry
Boost revenue & get paid upfront
Seamlessly integrated with Allē, the loyalty program for BOTOX^® Cosmetic, JUVÉDERM^® Collection of Fillers, and more.

More Patients,
More Procedures,
More Revenue

+30% increase
in case acceptance

+50% increase
in transaction size

80%+ industry-leading
patient approval rate

Approvals exclusive
to your practice

BOOK YOUR FREE DEMO

Allē Payment Plans, powered by Cherry

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

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.

SCHEDULE A CALL

Save on Time & Money

Lower your
merchant fees

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

Get paid
upfront

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

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 a healthcare and wellness-focused financing company that helps 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:

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 some Cherry providers have seen a big boost in business since adopting our third-party financing. Other top reasons plastic surgeons prefer Cherry:

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 (80%+ 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 — 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 50,000 medical practices — from plastic surgeons to dermatologists, veterinarians to dentists — rely on Cherry.

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.

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, breast lift, breast reduction, body lift, Brazilian Butt Lift (BBL), tummy tuck, liposuction and other weight loss procedures, rhinoplasty, facelift, blepharoplasty (eyelid surgery), and full mommy makeovers. It also applies to non-surgical cosmetic procedures like Botox, fillers, and advanced skin care treatments. From elective surgery to reconstructive procedures, Cherry can help patients make medical bills more manageable.

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.

Will the application process affect my patients’ credit scores?

Cherry conducts a soft credit check to prequalify 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 80%+ approval rate across credit profiles, accommodating a wide range of borrowers. For Pay-in-4 (our 6-week plan), we approve ~90% of applicants.

What loan terms do you offer patients?

We offer flexible financing options like loan amounts up to $50,000, repayment plans between 3 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 and Mastercard. 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 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 are you different from other online lenders like CareCredit, PatientFi, and Alphaeon?

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 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, and don’t apply deferred interest charges.

Compared to PatientFi, we have no deferred interest charges, offer lower provider fees, provide custom marketing support for your practice, and approve more patients across all credit profiles.

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The Gold Standard
for Plastic Surgeons

The (Almost) 5 Star Payment Plan Company

Monthly Pricing
Looks Better

More Patients,
More Procedures,
More Revenue

Allē Payment Plans, powered by Cherry

Why Top Plastic Surgeons Choose Cherry