Treat Now Pay Later
Buy Now. Pay Monthly. Let your money go further and take better control of your cash flow when you pay in smaller, more manageable monthly installments with Cherry.
Choose 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.
Use the payment calculator to simulate what your monthly payments could look like.*
*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
Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.
Once you’re approved, you’re approved for the maximum amount based on your financial background. Therefore, the amount cannot be increased.
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 Luminescence Medical directly.
We defer to the refund policies put in place by Luminescence Medical and cannot initiate a refund without their approval.
Once Luminescence Medical 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.
Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.
Once you take out a loan with Cherry, we may report repayment information about your account to the consumer reporting agencies. Loans that are marked as delinquent may have a negative impact on your credit score.
Manage your payment plans inside the Cherry Patient Portal.
CHERRY PATIENT PORTALSupport Hours:
Monday through Friday 9AM – 9PM EST.
Saturday 9AM – 7PM EST.
Sunday 10AM – 3PM EST.
Payment options through Cherry Technologies, Inc. are issued by Cross River Bank, member FDIC. See www.withcherry.com/terms for details. Iowa: Borrowers with credit scores below 660 cannot be approved. APR is capped at 20.99%.
© 2020-2023 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.
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