# Get Treated Now.  **Pay Monthly.**

Split big costs into smaller monthly payments with Cherry.

Let your money go further when you pay in installments with Cherry Payment Plans.

# How does Cherry work?

Apply for a Cherry Payment Plan in seconds, without impacting your credit score.

1. **Apply**  
   Ask your practice for their unique Cherry application link or [find it online.](https://finder.withcherry.com/)

2. **Get Care**  
   Use your approved Cherry funds to pay for your treatment. When you’re ready to pay, your practice will send you a checkout link.

3. **Pay Over Time**  
   Choose a plan length that fits your budget, with qualifying 0% APR options. *0% APR and other promotional rates subject to eligibility.*

# Get started

[See if my provider accepts Cherry](https://finder.withcherry.com/) [I'm ready to apply](https://finder.withcherry.com/)

# Questions? We're here to help

Explore questions that are frequently asked by other Cherry patients.

- How do I know who accepts Cherry?
- How do I apply for Cherry?
- Does applying for Cherry affect my credit score, and when does my payment activity start reporting?
- What do I need in order to apply?
- Can I apply with multiple practices at the same time?
- Does my approval expire?
- Can I use my approval balance from Practice A with Practice B?
- Can I increase my approval amount?
- How do I know if my approval has expired?
- Do I need to inform the provider of my approval?
- Can I lose my 0% APR Offer?
- What is the finance charge?
- How do I pick a payment plan?
- Can I appeal a denial?
- Why was I denied?
- What is a down payment and when is it due?
- What payment method can I use to make the down payment?
- How do I make my down payment?
- How do I know if my card is a prepaid card?
- How much is the down payment?
- How can I estimate my monthly payments before my appointment?
- What if I don't know my purchase price?
- How do I pay with Cherry?
- What if I don’t have a debit card or a credit card, or mobile phone?

## Payments

- Can I change my payment due date?
- When is my payment due?
- What happens if I can't pay on time?
- Can I make a payment by check?
- What payment methods can I use to make my payments?
- Does Cherry allow the processing of post-dated checks?
- Can I make payments with a Health Savings Account (HSA) or Flexible Spending Account (FSA)?
- How do I change my payment method?
- Can I pay off my payment plan early?
- How can I make a payment?
- Will I receive paper statements?
- Where can I view my terms of repayment?
- Can I combine multiple payment plans into one?
- Can missing payments on my account with Cherry hurt my credit?
- How does paying off a charge-off affect my credit score?
- What is a charge-off?
- How long does it take for my paid-off payment plan to appear on my credit report?
- I missed a payment. Can Cherry remove it from my credit report as a goodwill adjustment?
- How does Cherry report my payment activity to credit bureaus, and when will it show on my credit report?
- What should I do if I find an error on my credit report?
- What should I do if I file for bankruptcy?
- When does Cherry report late payments to the credit bureaus?
- Will my payments be reported to credit bureaus?
- Will the charge-off be removed from my credit report after payment?
- Why was I charged a fee?
- How do I cancel my payment plan or request a refund?
- I received an error message when trying to pay, what can I do?

## Refunds

- What is your policy on refunds?
- I was issued a refund by the provider, how long does it take to process?

## Account Settings

- Can I use a P.O. box address for my Cherry account?
- How do I update my phone number?
- How can I add, remove, or change my card or bank account information?
- How do I update my address?
- I can't log in, what can I do?
- How do I log in to my account?

## Product & Services

- How can I set up an appointment?
- Where can I use Cherry?

## Fraud & Security

- How can I report a fraud attempt?
- How can I protect myself against identity theft?
- What should I do if I suspect fraud related to my credit reporting?
- How does Cherry protect my personal information?

## Complaints

- Will I be kept informed?
- What happens after I submit a complaint?
- How do I submit a formal complaint to Cherry?
- What qualifies as a formal complaint?
- How long will it take to get a full resolution?
- Can I escalate my complaint further?