Cherry is a wellness-focused financing company that helps consumers pay for medical services like plastic surgery, 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).

Cherry simplifies medical financing in a few easy steps:

1. Quick Application: Patients complete a 60-second online application that doesn’t impact their credit score.
2. Instant Decision: Patients receive an immediate decision and, if approved, select their preferred payment plan based on loan amount, repayment term, and budget.
3. Upfront Payment: The provider receives full payment from Cherry for the services, minus the merchant processing fee.
4. Swift Treatment: Patients undergo their procedures without delay and repay Cherry comfortably over time.

Cherry frees plastic surgeons from the burden of managing in-house financing options while empowering them to offer more treatment, perform more procedures, make it easier for patients to pay for out-of-pocket medical costs, and enhance cash flow with immediate payment for services rendered.

Many patients prefer covering 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, creating a streamlined payment experience from start to finish
• Broad eligibility and high approval rate, 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

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.

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.

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 procedures and post-operative care. It’s just one of the many reasons that over 40,000 medical practices love Cherry.

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

Unlike personal loans, healthcare credit cards, 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 — terms up to 60 months, and special financing options like qualifying 0% APR.

Cherry’s third-party financing options cover a wide range of plastic surgery procedures, including but not limited to breast augmentation, breast lift, breast reduction, tummy tuck, liposuction and other weight loss procedures, rhinoplasty, facelift, blepharoplasty, 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.

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.

No, Cherry conducts a soft credit check to prequalify the borrower during the application process, which does not affect their 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.

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 financial stability to accept a wider range of borrowers who may otherwise only receive credit approval for a high-interest or secured loan.

We boast an industry-leading 80%+ approval rate, accommodating a wide range of borrowers. For Pay-in-4 (our 6-week plan), we approve ~90% of applicants.

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.

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. 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.

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

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

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.

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 bad credit or 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.

Yes. Patients can use Cherry to pay for elective procedures 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.

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.

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 offer lower provider fees, custom marketing support for your practice, and approve more patients across all credit profiles.