Payment Plans & Financing

Get the care you need now. Pay over time.

Don't let cost get between you and a healthy smile. Through our financing partner Cherry, you can split your treatment into simple monthly payments — with 0% APR options and no hard credit check to apply.

See if you qualify How it works

No hard credit check 60 seconds to apply No hidden fees

Cherry Our financing partner

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 in approvals
No hidden fees

See if you qualify Manage your account

Financing built for dental care

Flexible terms designed around real treatment costs — not one-size-fits-all credit cards.

0%APR options available

5.99%APRs as low as

$50kUp to, in approvals

60sTo apply online

$0Hidden fees

See what you could pay

Enter your treatment amount for real, personalized options — no hard credit check.

Loading payment options…

Estimates are provided by Cherry and depend on your eligibility. See full disclosures below.

How it works

Three simple steps from "I need treatment" to "it's handled."

See if you qualify

Apply online in about 60 seconds. Checking your options won't affect your credit score.

Get your care

Use your approved amount toward treatment at any of our offices — right away.

Pay over time

Choose a plan length that fits your budget, with 0% APR options available.

What patients say

★★★★★

"I was worried the application would take long or hurt my credit — it took a few minutes and I was so happy I could split my payments up."

Bryana

★★★★★

"It was really easy to use and super fast. I can't wait to take care of the rest of my treatment now that I can spread out the cost."

Alex

★★★★★

"I used this and it was great. Low down payment and low monthly — I'd recommend it to anyone putting off care because of cost."

Marie

Questions?

The essentials on how dental financing through Cherry works.

Will applying affect my credit score? +

No. Checking whether you qualify uses a soft inquiry, which does not affect your credit score. You can see your options before committing to anything.

What can I use the financing for? +

Any treatment at our offices — from cleanings and fillings to implants, orthodontics, and cosmetic work. You can apply your approved amount toward the care you need.

Is there a down payment? +

Some plans include a small down payment due at the time of treatment, which counts toward your first payment. Your exact terms are shown before you accept a plan.

How long are the payment plans? +

Plan lengths vary, with 0% APR options on shorter terms and longer interest-bearing options for larger treatment amounts. You choose the length that fits your budget.

I already have a Cherry account — what do I do? +

Use "Manage your account" to log in, check your balance, or apply your existing approval toward treatment at our office.

Ready to plan your treatment?

See your financing options in under a minute, then book a visit at the office nearest you.

See if you qualify

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 its product accessible. For the accessibility statement and feedback form, see withcherry.com/accessibility.