Treat Now
Pay Later

Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.

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.

Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you'll even avoid some of that interest.

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.

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.

To request a refund, please contact Kalamazoo Smiles directly. We defer to the refund policies put in place by Kalamazoo Smiles and cannot initiate a refund without their approval. Once Kalamazoo Smiles authorizes a refund we will deposit the refunded amount (full or partial) into your account.

Yes, Cherry may report the status of our borrowers' accounts to Equifax, one of the major credit bureaus.

Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other delinquencies on your account to the credit bureaus.