Cherry
Cherry is a consumer financing platform built specifically for healthcare and wellness providers, offering patient payment plans with a 35-second application, up to 90% approval rates, and true 0% APR options to help practices increase treatment acceptance and revenue.
Perfect for
Cherry is best suited for healthcare and wellness practices that want to increase treatment acceptance by offering patients flexible, transparent financing at the point of care. It works particularly well for:
- Dental practices offering high-cost procedures like implants, cosmetic dentistry, and orthodontics
- Med spas and medical aesthetics practices providing injectables, laser treatments, and skin rejuvenation
- Plastic surgery and cosmetic surgery centers
- Veterinary clinics looking to help pet owners afford care
- Dermatology, vision, audiology, and chiropractic practices
- Small to mid-sized practices that want to reduce merchant fees compared to CareCredit or similar legacy providers
- Practices seeking a financing partner with broad patient approval rates, including patients with limited or lower credit scores
Key strengths
Industry-leading approval rate of up to 90% across all credit profiles, with loan amounts up to $65,000
Ultra-fast 35-second patient application with soft credit check that does not impact credit scores
True 0% APR options with no deferred interest traps, origination fees, or hidden charges
Immediate funding to providers upon patient approval, eliminating cash flow delays
Claims up to 50% savings on merchant fees compared to competitors like CareCredit, Sunbit, and PatientFi
Considerations
Focused exclusively on healthcare and wellness verticals; not applicable to e-commerce, retail, or logistics businesses
US-only availability based on program terms and referral eligibility
No integration with e-commerce platforms or logistics/fulfillment systems mentioned; primarily a point-of-sale financing tool for in-person service providers
Practices must go through an identity verification and onboarding process including EIN, W-9, and licensing validation
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How it works:
- Share your current needs and challenges
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- Connect directly with top-rated providers
About Cherry
Cherry is a point-of-sale financing platform designed exclusively for healthcare and wellness providers, trusted by over 60,000 practices across the United States. The platform enables patients to split the cost of medical, dental, veterinary, cosmetic, and wellness services into manageable monthly payments, removing cost as a barrier to treatment. Cherry operates as a buy now, pay later (BNPL) solution tailored to the timelines and price points common in healthcare, distinguishing itself from general retail BNPL apps and traditional credit card financing.
The patient experience is built for speed and accessibility. Consumers complete a roughly 35-second application that uses only a soft credit check, meaning it does not impact their credit score. Up to 90% of applicants are approved across a broad range of credit profiles, with loan amounts reaching up to $65,000. Repayment terms range from short-term interest-free plans as brief as 4 weeks to longer options up to 60 months, with true 0% APR available for qualified borrowers. Unlike competitors that rely on deferred interest structures, Cherry does not use deferred interest traps, origination fees, or hidden charges.
For providers, Cherry delivers immediate funding upon approval, meaning practices receive payment upfront while patients pay over time. The platform claims the lowest merchant fees in the industry, with savings of up to 50% compared to competitors like CareCredit, Sunbit, and PatientFi. Cherry also provides extensive marketing support, including social media templates, website integration resources, and a free website implementation service. The platform serves a wide range of healthcare verticals including dental, medical aesthetics, plastic surgery, veterinary, dermatology, vision, audiology, chiropractic, physical therapy, clinical medicine, and health and wellness practices.
Cherry
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