Treat now, pay later
- No Hard credit checks, ever
- True 0% APR options available
- Interest-bearing plans with APRs as low as 5.99%
- Up to $50,000 approvals
- No Hidden fees
See an example of what you could pay
Example payments for $750
- No hard credit checks, ever
- 60 seconds to apply
0% APR and other promotional rates subject to eligibility. See footer for details.
How Cherry works
See if you qualify
It only takes 60 seconds to complete the application
Get care
Use your approval to pay for your treatment
Pay over time
Choose a plan length that fits your needs with 0% APR options
Questions?
What is Cherry? Cherry(opens in new tab) is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
View all FAQs
How long is my approval valid for?
Approvals are valid for 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 Consumer 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 provider 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 Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional bank-issued Debit Card.
How are refunds handled?
To request a refund, please contact Next Generation Aesthetics directly.
We defer to the refund policies put in place by Next Generation Aesthetics and cannot initiate a refund without their approval.
Once Next Generation Aesthetics 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.
These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. For example, a $400 payment plan with Cherry may cost $100/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase. Not every provider that uses Cherry will offer the payment plan terms listed above.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. See 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%.
Cherry is committed to making our product accessible. For our accessibility statement and feedback form, see withcherry.com/accessibility.
Copyright © 2020-2026 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.