Payment Plans

How It WorksChoose from a range of monthly payment plans with some qualifying for 0% APR options. Thanks to Cherry’s fast application process, you’ll be enjoying your purchase in no time - all you need is your state ID and mobile phone number to get started. If approved, manage payment options and stay in control with 24/7 access to Cherry’s self-serve patient portal.
Flexible Payments For Any BudgetUse the payment calculator to simulate what your monthly payments could look like.*
Purchase Amount
Payment Plan (months)
Patient Financial Situation
GREAT means a patient may have high credit and no adverse financial history, such as recent missed payments.
Enter a purchase amount, payment plan, and financial situation to see estimated payments
*These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. Not every practice that uses Cherry will offer the payment plan terms listed above.
Down payment in the amount of monthly payment will be due at the time of purchase.
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TestimonialsDon’t just take our word for it! Here’s what other patients have to say about Cherry…
profile picture of Bryana
“I was worried the application would take long, I would have paid on my credit card – but it only took a few minutes and I'm so happy I can split my payments up now!”
profile picture of Alex
“Cherry was really easy to use and super fast. I can't wait to go back and try different services now that I can split my payments!”
profile picture of Marie
“I used this on Monday and it was great. Low down payment and low monthly. You all should try it.”
profile picture of Gabriel
“Cherry was great, one of the better lending companies I’ve ever used. Making payments was a lot easier and I appreciate that Cherry was willing to work with me.”
profile picture of Alyssa
“Cherry is amazing!!! Now we can get everything done!!”
profile picture of Cassie
“I’ve been putting off these treatments for a long time. I scheduled them all today using Cherry!”
Frequently Asked Questions
How long is my approval valid for?
Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.
Can I increase my approval amount?
If you are eligible for an increase, you may request this through the Cherry Patient Portal. Increased approval amount and decision are subject to eligibility. If you do not see the button to "request an increase," it means you are ineligible for an increase at this time.
Can I pay this off early?
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.
Does my 0% APR offer expire?
No, if you’re eligible for a 0% APR offer, it doesn’t expire for the current approval. For example: If you were approved for a 6 month term with 0% APR, this promotion is valid until the end of term as long as you stay current with your payments.
How much is my down payment and when is it due?
Once you input your purchase price, you’ll be provided with the options you have for down payment. It is due when the practice confirms they will need the funds in order to move forward with your services. Remember to bring your bank issued debit or credit card* when you are ready for checkout.

*Making payments via Pre-Paid Debit Card or Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.
How are refunds handled?
To request a refund, please contact Urban MedSpa directly.

We defer to the refund policies put in place by Urban MedSpa and cannot initiate a refund without their approval.

Once Urban MedSpa authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly.

If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.
Does Cherry report to the credit bureaus?
Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.
Can missing payments on my account with Cherry hurt my credit?
Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other deliquencies on your account to the credit bureaus.
Manage My PlanManage your payment plans inside the Cherry Patient Portal.
More Questions?
Contact the Cherry Support Team
Support Hours
Monday through Friday: 9AM – 9PM ET
Saturday: 9AM – 7PM ET
Sunday: CLOSED
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: www.withcherry.com/lending-partners. See www.withcherry.com/terms for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.

Copyright © 2020-2023 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.

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