Cherry is a third-party financing company that helps med-spa patients access aesthetic treatments and wellness services without paying the full cost upfront. Cherry pays the provider upfront while the patient pays over time.

Cherry’s financing program is fast, secure, and simple. Here’s how it works:

1. 60-Second Application: Patients complete a quick and simple online application at home or in person at your office before their visit. We conduct a soft credit check that does not affect their credit score, and they’ll get an instant approval decision.
2. Instant Decision: If approved, they'll see financing options with different payment terms — including qualifying 0% APR options for monthly plans and an always-interest-free option for Pay-in-4 (our 6-week plan).
3. Upfront Payment: Your med spa receives the full payment for the services (minus a small merchant fee) within 2–3 business days.
4. Convenient Repayment: Patients pay Cherry back over time using their preferred method — debit card, credit card*, or ACH bank transfer.

*Note: Credit card payments are subject to a small 2.99% processing fee for the patient.

Med spa patients often delay aesthetic treatments due to upfront costs. Cherry solves this with flexible financing that makes services more accessible — increasing conversion rates and revenue.

Here’s why medical aesthetics providers rely on Cherry:

• 60-second credit approval process with instant decision and no hard credit check
  
• True 0% APR for qualified borrowers
  
• Access to loan amounts up to $35,000
  
• High approval rate (80%+), including those with limited or poor credit
  
• No origination fees, prepayment penalties, deferred interest, or compounding interest
  
• Upfront payouts to practices within 2-3 business days
  
• Lowest merchant fees in the industry
  
• Seamless integration and improved patient retention
  
• Compatible with Allē loyalty rewards for injectables like Botox and fillers, as well as other Allergan Aesthetics products and treatments

Cherry can be used for a wide variety of med spa treatments, including Botox, dermal fillers, Kybella, and more.

• Botox for forehead lines, crow’s feet, frown lines, and other common treatment areas
  
• Injectables like Kybella for fat under the chin
  
• Medical weight loss programs such as GLP-1s and semaglutide
  
• Dermal fillers & rejuvenation treatments
  
• Chemical peels & facials
  
• CoolSculpting & body sculpting
  
• PRP therapy & microneedling
  
• IPL, laser hair removal, and other skincare or body treatments

Whether your patients are booking a single session or a full treatment plan, Cherry helps them afford the cosmetic procedures they want now, then pay later in convenient monthly payments or weekly installments.

NOTE: These services should always be performed by licensed professionals prepared to handle injectables safely and educate patients on potential side effects, such as temporary redness or swelling at the injection site, mild muscle weakness following treatment, or in very rare cases, a life-threatening emergency.

No. Cherry never performs a hard credit check.

We only use a soft credit check to prequalify patients, which means their credit score won’t be impacted. This makes the application process completely stress-free, hassle-free, and ideal for patients who want to explore med spa financing options without risk.

With Cherry Technologies as a partner, practices can offer multiple patient financing plans to suit every financial situation:

• Loan amounts up to $35,000
  
• Repayment terms from 6 weeks to 24 months
  
• Options for interest-free Pay-in-4 (our 6-week plan) and qualifying 0% APR for monthly plans
  
• Flexible payment plans based on patient eligibility

Patients can choose the payment plan that best fits their budget and even pay off early with no penalties. Allē members can also use their Allē Wallet in combination with Cherry Payment Plans to earn loyalty rewards at participating practices.

Med spas can integrate Cherry’s platform the same day — no technical setup or long approval timelines. We also provide your team with free marketing materials, including social media posts, emails, signage, brochures, and social content to help you promote your new Cherry financing solutions to patients.

Cherry has an industry-leading 80%+ credit approval rate. Our proprietary underwriting tool looks beyond traditional credit scores to help more patients qualify — even those previously declined by other lending partners like CareCredit or PatientFi.

Yes, Cherry reports payment history to Equifax, Experian, and TransUnion. This allows patients to potentially build credit with consistent, on-time payments — something not always available through a medical credit card.

A down payment equal to the first installment is collected at checkout at the time of purchase. Patients can pay with a credit card*, bank-issued debit card, or ACH. All future payments can be made from the patient dashboard using the same options.

*Note: Credit card payments are subject to a small 2.99% processing fee for the patient.

Yes, through a user-friendly patient portal, they can track monthly installments and make payments on time.

Cherry’s US-based customer support team handles all patient inquiries — from questions about interest rates or repayment to updating debit card info or resetting passwords. Your staff can stay focused on delivering exceptional care and spa services while we take care of the rest.

Cherry is not a credit card, and unlike CareCredit, we don’t conduct hard credit pulls, don’t charge deferred interest, and don’t require patients to apply for a line of credit they may never use.

We offer:

• Nearly 2x the approval rate of CareCredit
  
• No hidden fees or deferred interest traps
  
• No compounding interest
  
• Higher loan amounts and longer terms than other leading lenders
  
• Lower provider fees/merchant fees and greater transparency
  
• Direct integration with Allē payment plans, the loyalty program for Botox, Juvéderm, and other eligible Allergan Aesthetics (AbbVie company) products and treatments

Whether you’re a solo injector, own a boutique day spa, or run a multi-location dermatology or plastic surgery practice, Cherry helps you:

• Offer flexible payment options for medical services
  
• Acquire more patients and boost customer satisfaction
  
• Increase average ticket size and conversion rate
  
• Improve cash flow with upfront payment
  
• Reduce cancellations due to pricing

Don’t take our word for it. Read testimonials from practices that use Cherry to help their patients prioritize self-care, achieve their aesthetic goals, and improve their overall well-being.

Yes. Patients can use Cherry alongside their insurance benefits or loyalty rewards (like Allē) to cover anything their plan doesn’t — including spa services, cosmetic treatments, or other elective procedures not typically covered by healthcare providers.

Refunds are handled easily in your Cherry Provider Portal. Both partial and full refunds are supported within 60 days of the transaction. After that, it’s up to the practice to coordinate 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.