Cherry Payment Plans: Revolutionizing Plastic Surgery Financing in 2026

Looking for affordable ways to fund cosmetic procedures without the burden of hard credit checks? Cherry Payment Plans offers a groundbreaking approach to plastic surgery financing with flexible options ranging from 6-week interest-free plans to 60-month terms with rates as low as 5.99%. As the gold standard for plastic surgeons nationwide, Cherry has transformed how patients access aesthetic treatments while helping practices boost revenue and case acceptance.

How Cherry Payment Plans Makes Plastic Surgery More Accessible

Cherry Payment Plans removes the financial barrier to cosmetic procedures by converting large upfront costs into manageable monthly payments. With an industry-leading 80% approval rate and no hard credit checks, Cherry helps patients who’ve been delaying treatments finally schedule their procedures. The 60-second application process provides instant decisions, allowing practices to close more consultations while patients gain immediate access to their desired treatments.

The journey toward aesthetic enhancement often stalls at the payment counter. Many potential patients walk away from consultations not because they don’t want the procedure, but because the full payment seems overwhelming. Cherry steps in with a refreshingly simple solution: break down that intimidating lump sum into bite-sized monthly payments.

“I’ve been putting off these treatments for a long time. I scheduled them all today using @withCherryUS,” shares Cassie R., one of many patients who finally moved forward with procedures after discovering flexible payment options.

For practices, this translates directly to business growth. The numbers tell the story:

30% increase in case acceptance rates
50% increase in average transaction size
80%+ approval rate for patients – far exceeding industry standards
Zero risk to practices if patients default on payments

Unlike traditional financing, Cherry’s model doesn’t just approve the usual candidates. Their approach opens doors for patients who might struggle with conventional credit applications but are perfectly capable of managing payments over time.

Why Patients Choose Cherry Over Traditional Credit Cards

Cherry Payment Plans offers distinct advantages over conventional credit cards for cosmetic procedures. With no hard credit checks that could damage credit scores, Cherry provides instant approvals in under 60 seconds. Patients appreciate the transparent pricing, truly interest-free options, and the ability to finance procedures up to $50,000 without the anxiety of hidden fees or prepayment penalties.

The traditional credit card approach to financing plastic surgery comes with significant drawbacks. High interest rates can turn a $7,000 breast augmentation into a much costlier procedure over time. Credit inquiries can temporarily lower credit scores. And approval processes can be lengthy and stressful.

Bryan W., a Cherry patient, explains: “I was worried the application would take long. I would have paid on my credit card – but it only took a few minutes and I’m so happy I can split my payments up now!”

Cherry’s financing model addresses these pain points directly:

Feature	Traditional Credit Cards	Cherry Payment Plans
Credit Check Impact	Hard inquiry (affects credit score)	No hard credit check
Application Process	Often lengthy, paperwork-heavy	60 seconds or less, digital
Interest Options	Typically high rates after promotional periods	True 0% interest options available
Maximum Financing	Varies by creditworthiness	Up to $50,000

Carol T., another satisfied patient, describes her experience: “No fuss. Instant approval. Choice of payment. In fact, if possible I’d like to see if I qualify for another procedure with Dr. Luca @withCherryUS.”

This frictionless experience isn’t just convenient—it’s transformative for patients who might otherwise postpone necessary or desired procedures due to financing concerns.

The Financial Benefits for Plastic Surgery Practices

Cherry Payment Plans delivers significant financial advantages to plastic surgery practices by reducing merchant fees by up to 50% compared to traditional payment processors. Practices receive full payment within 2-3 business days, improving cash flow while eliminating the administrative burden of payment collection. Cherry handles all customer service and payment processing, allowing medical teams to focus exclusively on providing exceptional care.

The business side of running a plastic surgery practice involves constant balancing of revenue growth against operational costs. Cherry’s model addresses both sides of this equation.

First, there’s the immediate revenue impact. When patients can break payments into manageable chunks, they’re more likely to:

Schedule procedures they’ve been postponing
Opt for more comprehensive treatment plans
Return for additional procedures
Refer friends and family to the practice

Beyond the revenue boost, Cherry delivers operational efficiencies that directly impact the bottom line:

“We love using @withCherryUS for our practice!” shares Beauty Fix. “Application is easy and no paper receipts the patients need to sign. We always give Cherry first look due to high approval rates and no hard credit check.”

The administrative relief is substantial. Instead of staff spending hours on payment plans, collections, and follow-ups, Cherry handles:

Patient application processing
Credit decisioning
Payment collection and processing
Customer service for payment-related questions
Default management (with zero risk to the practice)

Abby, Practice Manager at PekoMD, confirms: “A 5-star experience is the only acceptable outcome. This made adding monthly payment options through Cherry a complete no-brainer. Their team is wonderful to work with and the service they provide has been wildly appreciated by our patient population.”

How Cherry Integrates with Allē Loyalty Programs

Cherry’s seamless integration with Allē, the loyalty program for BOTOX® Cosmetic and JUVÉDERM® Collection of Fillers, creates a powerful synergy for practices and patients alike. This partnership allows patients to apply for payment plans directly within the Allē platform while still earning points on eligible Allergan Aesthetics treatments. With approximately 50% of Allē Payment Plan transactions coming from first-time patients, this integration drives significant new business growth.

The partnership between Cherry and Allē represents a significant advancement in cosmetic procedure financing. For patients already familiar with the Allē ecosystem, the integration feels natural and convenient.

When a patient applies through the Allē platform:

They maintain all their existing loyalty benefits
They can qualify for special financing terms, including 6 months of 0% APR (for qualifying patients)
The application process remains streamlined and user-friendly
They continue earning points on eligible Allergan Aesthetics products

This integration covers a wide range of popular treatments, including:

BOTOX® Cosmetic
JUVÉDERM® Collection of Fillers
CoolSculpting®
CoolTone™
Kybella®
SkinVive™
SkinMedica®
Latisse®

For practices, this integration creates a powerful marketing advantage. Patients already engaged with the Allē program represent a motivated audience interested in aesthetic treatments. The addition of accessible financing removes the final barrier to conversion.

The statistics support this strategy: approximately half of all transactions processed through Allē Payment Plans come from patients new to treatment. This represents a significant opportunity to expand patient bases while providing valuable services to those who might otherwise be unable to afford them.

The Application Process: Speed and Simplicity

Cherry’s application process is designed for maximum efficiency, typically completing in under 60 seconds. Patients provide basic information through a streamlined digital interface, receiving instant approval decisions without enduring hard credit checks that could damage their scores. This frictionless experience dramatically improves conversion rates during consultations, allowing practices to transform financial discussions from awkward obstacles into smooth transitions toward scheduling procedures.

In the aesthetic medicine world, momentum matters. When a patient decides they’re ready for a procedure, any friction in the process can lead to second thoughts or postponement. Cherry’s application process is specifically designed to maintain that momentum.

Here’s how the streamlined application works:

The patient provides basic information through a digital interface
The system processes this information in real-time (no waiting for manual review)
An approval decision appears almost instantly
Payment plan options are presented clearly, with transparent terms
The patient selects their preferred plan
The practice receives confirmation immediately

This entire process typically takes less than a minute, maintaining the positive energy of the consultation and avoiding the awkward “let’s talk about money” phase that often derails procedures.

Bryan W. describes his experience: “I was worried the application would take long. I would have paid on my credit card – but it only took a few minutes and I’m so happy I can split my payments up now!”

For practices, this streamlined approach dramatically improves conversion rates. Instead of sending patients home to “think about it” (often code for “figure out how to pay for it”), the financial discussion becomes a simple step in the process rather than a barrier.

Bednar Cosmetic Surgery notes: “Cherry is a great alternative for patients not wanting a hard inquiry and looking for easy access to funding their non-surgical or surgical procedures.”

Comparing Cherry to Other Financing Options

When evaluating plastic surgery financing, Cherry Payment Plans stands apart from competitors like CareCredit with its no-hard-credit-check approach and higher approval rates. While CareCredit offers promotional financing and widespread acceptance, Cherry delivers faster approvals, more flexible terms from 6 weeks to 60 months, and funding for procedures up to $50,000. Cherry also provides practices with lower merchant fees and exclusive approvals that can’t be used at competing practices.

The landscape of medical financing has evolved significantly, with several options available to patients seeking aesthetic procedures. Understanding how Cherry compares to alternatives like CareCredit helps both practices and patients make informed decisions.

Feature	Cherry Payment Plans	CareCredit
Credit Check Type	No hard credit check	Hard credit inquiry
Approval Rate	80%+ industry-leading	Varies based on credit score
Application Time	60 seconds or less	Typically longer process
Maximum Financing	Up to $50,000	Varies based on creditworthiness
Payment Terms	6 weeks to 60 months	6, 12, 18, or 24 months
Exclusivity	Approvals exclusive to your practice	Can be used at any accepting provider

CareCredit has been a longstanding option in the market, with wide acceptance across various healthcare categories. According to their website, they’re accepted at over 285,000 provider locations and offer promotional financing options.

However, Cherry’s model addresses specific pain points that both patients and practices experience with traditional financing:

For patients with less-than-perfect credit, Cherry’s no-hard-credit-check approach opens doors that might otherwise remain closed. As noted by the American Society of Plastic Surgeons, the demographics of plastic surgery patients have broadened significantly, making accessible financing increasingly important.

For practices, Cherry’s model of providing full payment upfront while handling all the collection responsibilities eliminates a significant administrative burden, allowing focus on core medical services rather than financial management.

Real Patient Experiences with Cherry Payment Plans

Cherry Payment Plans has earned near-perfect customer satisfaction ratings by delivering seamless financing experiences for plastic surgery patients. Users consistently highlight the instant approval process, absence of hard credit checks, and transparent payment structures. Patients who previously delayed procedures for years have been able to move forward confidently, while practices report that Cherry’s financing options have been “wildly appreciated” by their patient populations, creating a win-win scenario for everyone involved.

The true measure of any financing solution is in the real-world experiences of patients and practices. Cherry’s near-perfect customer satisfaction score reflects a consistently positive impact across diverse scenarios.

Cassie R. represents many patients who had been postponing desired procedures: “I’ve been putting off these treatments for a long time. I scheduled them all today using @withCherryUS.”

This pattern of delayed gratification finally being fulfilled appears repeatedly in patient testimonials. The psychological impact goes beyond simply accessing a procedure—it’s about patients finally prioritizing themselves and their desires after putting them on hold, often for years.

For practices, the feedback centers around both administrative simplicity and patient satisfaction. Beauty Fix notes: “We love using @withCherryUS for our practice! Application is easy and no paper receipts the patients need to sign. We always give Cherry first look due to high approval rates and no hard credit check.”

The experience of PekoMD, shared by practice manager Abby, highlights the broader impact: “A 5-star experience is the only acceptable outcome. This made adding monthly payment options through Cherry a complete no-brainer. Their team is wonderful to work with and the service they provide has been wildly appreciated by our patient population.”

This appreciation translates directly to practice loyalty and referrals. When patients feel supported in their financial decisions, that positive association extends to the practice as a whole.

Carol T.’s experience exemplifies this loyalty effect: “No fuss. Instant approval. Choice of payment. In fact, if possible I’d like to see if I qualify for another procedure with Dr. Luca @withCherryUS.”

Popular Procedures Financed Through Cherry

Cherry Payment Plans facilitates financing for a comprehensive range of plastic surgery procedures, from non-surgical treatments like BOTOX® and fillers to major surgical interventions including facelifts, breast augmentation, and tummy tucks. With financing available up to $50,000, Cherry makes even the most extensive procedures financially accessible, allowing patients to pursue everything from minor enhancements to complete transformations without the burden of immediate full payment.

The versatility of Cherry’s financing options spans the entire spectrum of aesthetic procedures. According to recent statistics from the American Society of Plastic Surgeons, both surgical and non-surgical procedures continue to grow in popularity, with financing playing a crucial role in this expansion.

Some of the most commonly financed surgical procedures include:

Facial procedures: Facelifts, rhinoplasty, eyelid surgery
Breast procedures: Augmentation, lift, reduction, implant revision
Body contouring: Tummy tucks, liposuction, Brazilian butt lifts
Mommy makeovers: Combination procedures addressing post-pregnancy changes
Post-weight loss: Body lifts, arm lifts, thigh lifts

On the non-surgical side, popular financed treatments include:

Injectables: BOTOX® Cosmetic, Kybella®, dermal fillers
Skin treatments: Chemical peels, laser resurfacing, microdermabrasion
Body sculpting: CoolSculpting®, CoolTone™, fat reduction
Skin tightening: Radiofrequency, ultrasound, and laser treatments

The cost range for these procedures varies significantly. According to CareCredit’s data, surgical procedures like breast augmentation average around $7,149, while tummy tucks run approximately $8,205. Non-surgical treatments like BOTOX® Cosmetic average $420 per treatment, with fillers ranging from 707−843 per syringe.

Cherry’s financing options accommodate this wide price range, making even the most extensive procedures accessible through manageable monthly payments.

How to Implement Cherry in Your Plastic Surgery Practice

Implementing Cherry Payment Plans in your plastic surgery practice is a straightforward process designed for minimal disruption to existing workflows. After a brief setup period, practices can immediately begin offering flexible financing options that increase case acceptance and average transaction size. Cherry provides comprehensive staff training, marketing materials for social media and email campaigns, and ongoing US-based support through phone, email, and chat to ensure a smooth integration.

For practice owners and managers considering Cherry, the implementation process has been refined to be as efficient as possible. Here’s what to expect:

Initial Consultation: Schedule a demo through Cherry’s website to discuss your practice’s specific needs and how Cherry can address them.
Practice Onboarding: Cherry’s team handles the setup process, which typically takes minimal time and effort from your staff.
Staff Training: Your team receives comprehensive training on how to present Cherry payment options to patients and process applications.
Marketing Integration: Cherry provides ready-to-use marketing materials for your website, social media, and in-office displays.
Go Live: Begin offering Cherry payment plans to patients immediately after setup.

The support doesn’t end after implementation. Cherry provides ongoing resources:

Free marketing resources for social media, email, and video
Fast US-based phone, email, and chat support
Regular updates on performance metrics
Promotional materials highlighting new features or special offers

As Bednar Cosmetic Surgery notes: “Cherry is a great alternative for patients not wanting a hard inquiry and looking for easy access to funding their non-surgical or surgical procedures.”

The implementation is designed to be as seamless as possible, allowing practices to focus on what they do best—providing exceptional care to their patients—while Cherry handles the financial aspects.

Frequently Asked Questions About Cherry Payment Plans

Cherry Payment Plans addresses common concerns through a transparent FAQ section covering everything from practice responsibilities and payment processing to patient qualification criteria and loan terms. Practices receive full payment within 2-3 business days with Cherry handling all repayment collection directly from patients. With no setup fees, monthly charges, or practice liability for patient defaults, Cherry offers a risk-free way to provide financing for procedures up to $50,000 with terms ranging from 6 weeks to 60 months.

Is our practice responsible if patients don’t pay off their medical debt?

No. Cherry takes on 100% of the risk. Your practice receives payment in full within 2-3 business days, and Cherry handles all aspects of collecting payments from patients. If a patient defaults, it has no impact on your practice’s finances or operations.

How and when does our practice receive payments?

Practices receive full payment for procedures within 2-3 business days after the treatment is provided. This improves cash flow compared to traditional payment plans where practices might wait months or years to receive full payment.

Are there monthly, annual, or one-time setup fees?

Cherry does not charge practices any setup fees, monthly fees, or annual fees. The only cost is a standard merchant processing fee, which is typically lower than traditional credit card processing fees.

What plastic surgery procedures are eligible for financing?

Cherry financing can be used for virtually any plastic surgery procedure, both surgical and non-surgical, with financing available up to $50,000. This includes but is not limited to:

Facial procedures (facelifts, rhinoplasty)
Breast procedures (augmentation, reduction, lift)
Body contouring (liposuction, tummy tucks)
Non-surgical treatments (injectables, laser treatments)

What loan terms do you offer patients?

Cherry offers flexible terms ranging from 6 weeks (always interest-free) to longer terms up to 60 months. Qualifying patients can access 0% APR options, while others may qualify for rates as low as 5.99%.

Will the application process affect my patients’ credit scores?

No. Cherry uses a soft credit check that does not impact credit scores. This is a significant advantage for patients who are concerned about preserving their credit standing.

Does Cherry report patient payments to credit bureaus?

Cherry does not report to credit bureaus, which means that on-time payments won’t build credit but late payments won’t damage credit either. This creates a low-pressure environment for patients managing their payments.

The Future of Plastic Surgery Financing with Cherry

Cherry Payment Plans is shaping the future of plastic surgery financing by removing traditional barriers to aesthetic treatments through its innovative no-hard-credit-check approach and flexible payment options. By integrating with loyalty programs like Allē and providing true 0% interest options, Cherry is expanding access to cosmetic procedures for a broader demographic. Their industry-leading 80% approval rate and seamless digital experience represent the evolution of patient financing toward greater inclusivity and convenience.

The landscape of plastic surgery financing continues to evolve, with Cherry at the forefront of innovation. Several key trends point to where the industry is headed:

Greater financial inclusivity: Traditional financing models have often excluded significant portions of the population based solely on credit scores. Cherry’s approach recognizes that many patients with less-than-perfect credit are still reliable payers when given manageable terms.

Digital-first experiences: The 60-second application process represents the new standard in patient expectations. Clunky paperwork, long waits for approval, and complicated terms are becoming relics of the past.

Integration with loyalty programs: The partnership with Allē demonstrates how financing is becoming part of a broader ecosystem of patient benefits rather than a standalone transaction.

Practice-centric business models: By providing exclusive approvals that can only be used at the originating practice, Cherry helps build patient loyalty rather than enabling patients to shop their approval around to competitors.

Elimination of administrative burden: The shift toward providers handling all aspects of payment collection reflects a broader trend of allowing medical practices to focus on care rather than collections.

As more patients seek aesthetic procedures and the range of available treatments expands, financing solutions like Cherry will play an increasingly vital role in making these options accessible to a broader demographic.

The future of plastic surgery financing isn’t just about approving more patients—it’s about creating a financial experience that feels as comfortable and confidence-building as the procedures themselves.

Conclusion: Why Cherry is Transforming Plastic Surgery Financing

Cherry Payment Plans has fundamentally changed plastic surgery financing by creating a win-win scenario for both patients and practices. With no hard credit checks, instant approvals, and flexible payment options ranging from 6 weeks to 60 months, Cherry removes financial barriers while helping practices increase case acceptance by 30% and transaction sizes by 50%. By handling all payment processing and customer service, Cherry allows medical teams to focus exclusively on providing exceptional care.

The impact of Cherry’s approach extends beyond simple financing. It represents a philosophical shift in how practices approach the financial component of aesthetic procedures.

For patients, Cherry transforms the narrative from “Can I afford this?” to “How would I like to pay for this?” This subtle but powerful shift removes the stigma and stress from financial discussions, allowing patients to focus on the positive changes they’re seeking.

For practices, Cherry changes the equation from “Will this patient qualify?” to “How can we best serve this patient?” The high approval rate and streamlined process mean that financial discussions become a natural part of treatment planning rather than a potential roadblock.

The numbers tell a compelling story:

30% increase in case acceptance
50% increase in transaction size
80%+ approval rate
Near-perfect customer satisfaction

But beyond the statistics, the testimonials from both patients and practices reveal the human impact of accessible financing. Patients who had postponed treatments for years finally moving forward. Practices able to serve more patients without taking on financial risk. Administrative teams freed from payment processing to focus on patient care.

In an industry dedicated to transformation, Cherry has transformed perhaps the most challenging aspect of all—the financial conversation. By making this part of the process as smooth and stress-free as the clinical experience itself, Cherry has earned its position as the gold standard for plastic surgeons nationwide.