Revenue Cycle · #8 (tied) of 24

Cherry🇺🇸

Cherry is a patient financing platform that pays the practice up front while patients pay over time, with plans up to $50,000 and no hard credit check.

Editorial score
Patient financing: practices are paid up front while patients pay over time, up to $50K.
Category rank
#8 (tied) of 24 in Revenue Cycle
Confidence
Medium (60%)
Last reviewed
October 17, 2026

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Pricing

Merchant fees; contact vendor

Not published by the vendor. We only list prices vendors publish.

Works with

Not confirmed. We haven't found a vendor page naming the specific practice software Cherry works with. Ask the vendor which systems and versions they support.

Our review

Cherry is a point-of-sale financing platform for out-of-pocket treatment. The practice is paid up front, and the patient pays over time. Plans range from six weeks interest-free to 60 months, with qualifying 0% APR options. Cherry says applying doesn't require a hard credit check and that there's no deferred interest. Loan amounts go up to $50,000.

Cherry's disclosures list APRs from 0% to 35.99% and terms from 1 to 60 months. The company says it serves 60,000 healthcare providers across dental, aesthetics, vision, veterinary and other fields, and that offices can usually start the same day.

Who it's for: practices with larger out-of-pocket cases (implants, ortho, cosmetic) that want to improve case acceptance without carrying the patient's balance.

Watch-outs: compare merchant fees against Sunbit and CareCredit for your average ticket. Make sure patients understand the APR range. Financing isn't a membership plan and doesn't build recurring revenue.

Our take: 7.6. A patient-friendly financing option for bigger cases.

Sources (1)

Reviewer notes

Expansion draft 2026-10-17; vendor URL verified live. Not public until approved in /admin/editorial. [2026-10-30 rescore, approved by Jason] 7.5 -> 7.6 (payments_memberships rubric, weighted 7.6000). Verified testimonials credited. Sources: https://withcherry.com/dental [2026-10-30 evidence-for-all-rubrics rescore, approved by Jason] 7.6 -> 7.7 (payments_memberships rubric, weighted 7.7350). New evidence criterion (15%) added to rubric. Sources: https://www.trustpilot.com/review/withcherry.com, https://www.bbb.org/us/ca/san-francisco/profile/financial-services/cherry-technologies-inc-1116-898942

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