Will checking my rate affect my credit score?

No. Checking your eligibility uses a soft credit check, which does not affect your credit score. In Cherry's words, you can "apply for a Cherry Payment Plan in seconds, without impacting your credit score." Once you accept a plan, Cherry may report your payment activity to the credit bureaus, so on-time payments can help your credit. See Cherry's [disclosures](https://withcherry.com/disclosures-and-loan-definitions) for details.

Who qualifies for Cherry?

Cherry looks at more than a credit score. In Cherry's words, "no specific minimum credit score is required to apply for Cherry Payment Plans" — Cherry uses "a holistic approach that considers multiple indicators of a patient's creditworthiness and overall financial situation, not just the number on a credit report." You apply in under a minute and get an instant decision. For the current, full eligibility requirements, see Cherry's application at [withcherry.com](https://withcherry.com/consumers).

What treatments can I use Cherry to pay for?

Most of our services — injectables (Botox, Dysport, fillers), RF microneedling and laser resurfacing (when those launch), HydraFacial, and physician-supervised weight management. Approval amounts vary by patient, so not every patient will be approved for every plan size. We will walk through what you are approved for during your consultation.

Is there interest on Cherry plans?

It depends on the plan you qualify for. Cherry offers true 0% APR plans for qualified borrowers as well as interest-bearing plans, with no deferred interest — you are never retroactively charged interest you thought you had avoided. In Cherry's words, "0% APR and other promotional rates [are] subject to eligibility." The exact APR and terms that apply to you are shown in your Cherry loan agreement before you accept. See Cherry's [disclosures](https://withcherry.com/disclosures-and-loan-definitions) for details.

What if I need to cancel or reschedule a treatment?

Our reschedule policy is the same whether or not you use Cherry — let us know at least 48 hours in advance. Cherry handles the financing separately, so your payment plan does not change unless we refund the treatment. If we do refund, Cherry adjusts your balance accordingly. For specifics on refunds and credits, see Cherry's [terms of service](https://withcherry.com/terms).

Can I combine Cherry with packages or memberships?

Yes. If a package or membership is the right fit, the package price is what we finance through Cherry. The total cost stays the same; you just spread it out. Your consultation is the right time to compare a single-treatment plan vs. a package on Cherry — we will run both numbers honestly.

What if I am not approved for the full amount I want?

Cherry's approval amount depends on your individual credit picture, and we have no influence over it. If you are approved for less than your treatment plan, we have options: a smaller package, single-treatment booking, or a phased plan that lets you start now and add later. None of those are worse care — they are just different ways to get to the same outcome.

Payment Plans

Pay over time. With clarity.

Cherry financing lets you spread treatment costs into monthly payments. Prequalification is fast — see your options below.

Check My Rate

Cherry partner

Why we offer Cherry

Care should not be priced out of reach.

We chose Cherry because patients asked us for it. Prequalification takes about 60 seconds, Cherry handles all credit and payment processing — we do not see or store your financial information — and the plan you accept is the plan you pay.

What patients ask

Cherry, in plain language.

Have your plan in mind?

The fastest path is a consultation. We will build a treatment plan first, then walk you through what Cherry can cover.

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Last updated: May 2026