Top Choice for Optometrists & Ophthalmologists

Cherry is the healthcare-focused financing company preferred by over 80% of practices compared to competitors. It helps patients pay for optometry and eye care services by breaking a purchase amount into manageable monthly payments or weekly installments. Vision providers can use Cherry to offer flexible financing options for services like eye exams, eyewear, contact lenses, laser eye surgery, cataract surgery, and elective procedures such as LASIK eye surgery or PRK.

Cherry allows practices to get paid the full purchase amount upfront, while patients pay over time. This creates a better checkout experience for patients and helps eye doctors improve access to vision care without the hassle of managing in-house payment plans.

Cherry makes vision financing simple and transparent:

1. Patients complete a 35-second application online or checkout, filling out basic details like name and date of birth. A soft credit check is used to prequalify patients without hurting their credit score. Cherry never uses a hard credit check during the application process.
   
2. If approved, patients instantly see available financing plans, like our Pay in 4 (split into four equal interest-free payments) and longer-term loans with special financing options for qualified borrowers, like true 0% APR (no deferred interest traps).
   
3. The eye care provider receives the full upfront payment (minus a small merchant fee), typically within 2–3 business days.
   
4. Patients repay Cherry over time using their preferred payment methods, such as debit card, credit card (including Visa, Mastercard, and American Express), or ACH.

This streamlined application process helps patients understand their payment options before committing, reducing friction and improving conversion at checkout.

Many patients delay vision care due to upfront costs — especially for elective procedures like LASIK, premium prescription lenses, or a new pair of glasses. Cherry removes this barrier by allowing patients to buy now and pay later with clear, predictable payment plans.

Vision providers benefit from:

• A 35-second application that never hurts credit score
• Instant credit decisions
• Flexible financing plans with loan amounts up to $30,000 and terms as long as 60 months
• High credit approval rates across credit profiles (up to 91%)
• No hidden fees, deferred interest, or compounding interest
• Upfront payment to the practice
• Improved acceptance of vision correction procedures and eyewear upgrades
• Reduced administrative hassle compared to in-house payment plans
• Exclusive approvals
• The lowest merchant fees in the industry

Cherry helps eye care practices grow revenue while making life-changing vision care more accessible.

Cherry can be used for a wide range of vision care and eye care services. For elective procedures like LASIK, practices often begin with a free consultation so patients understand candidacy and total LASIK cost before choosing a financing plan. Common treatments financed through Cherry include:

• Eye exams and routine vision care
• Prescription eyeglasses, including prescription sunglasses
• Contact lenses and specialty prescription lenses
• Premium eyewear and lens upgrades
• LASIK eye surgery, PRK, and other laser vision correction procedures
• Cataract surgery and related medical expenses
• Elective procedures not fully covered by insurance plans

Whether a patient is purchasing eyewear in-store or financing a laser vision correction procedure, Cherry allows them to shop now and pay over time.

No. Cherry never performs a hard credit check. We use a soft credit check that does not hurt credit score. This allows patients to explore financing options without risk or pressure.

Cherry offers flexible payment options designed for healthcare, including vision care:

• Loan amounts from $200 up to $30,000
• Repayment terms from 1-60 months
• Interest-free payments for Pay in 4
• Monthly plans with true qualifying 0% APR and no compounding interest
• Fixed interest rates with no hidden fees

Patients choose the payment plan that best fits their budget and eligibility.

Eye care providers can begin offering Cherry the same day. There’s no lengthy onboarding process, and practices receive free marketing materials to promote financing options both in-store and online.

Cherry has an industry-leading approval rate of up to 90% across credit profiles, including patients with limited or less-than-perfect credit history. This makes Cherry accessible to a wider range of patients compared to traditional lenders or medical credit cards. Our patient-friendly terms are one of the reasons providers lead with Cherry first 5x more often than CareCredit, PatientFi, Sunbit, and other financing partners.