To apply for Cherry, you must:

• Be 18 years or older

• Reside in the United States

• Have a bank-issued debit or credit card (prepaid cards are not accepted)

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

At checkout (in-office, after your appointment) you'll be provided with the options you have for down payment and provide payment then. Remember to bring your bank issued debit or credit card* when you are ready for checkout. Cash is not accepted.

*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

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

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

Applying for Cherry involves a soft credit check, which does not impact your credit score. Once your payment plan is confirmed, Cherry typically begins reporting your payment plan to the credit bureaus after 30 days.

No! Once you’re approved, the provider can see your approval on their end. Just book your appointment and let them know you’ll be using Cherry to pay for your services during checkout!

Denial decisions are based on several factors, including your credit score, credit history, income, and debt-to-income ratio.

To see the specific reason(s) for your denial, log in to your Cherry Account, click on “View Documents”, and review your Adverse Action Letter.

If you believe there’s an error in your credit information, contact the credit bureaus directly before reapplying. You can apply again once the denial period has expired.