Introduction: A New Way to Afford Your Dental Care
Facing a costly dental procedure can be daunting. Whether it’s a dental implant, cosmetic treatment, or crown, the upfront expense often puts your plans on hold. That’s where dental financing solutions like Cherry come in.
With Cherry dental financing, you can access affordable dental care through simple, interest-free or low-interest monthly payments. Instead of using credit cards or delaying treatment, Cherry allows patients to get care now and pay over time—making quality dental care accessible to more people.
Let’s explore how Cherry works, its benefits for both patients and dental offices, and what to consider before applying.
What Is Cherry Dental Financing?
Cherry is a leading dental financing company that partners with healthcare and dental practices to provide patient payment plans. It’s designed to make procedures like braces, veneers, root canals, or whitening more affordable through flexible monthly payments.
Unlike traditional dental loans, Cherry payment plans:
- Offer loan amounts up to $35,000 for qualified cases.
- Include repayment terms of 3–60 months, giving patients flexibility.
- Use soft credit checks, which don’t impact your credit score.
- Provide high approval rates (80%+) for most dental patients.
This means patients can start treatment immediately—without paying the full cost upfront or resorting to high-interest credit cards.
Why Dental Practices Offer Cherry (and Why It Matters)
Boosting Case Acceptance and Practice Revenue
For dental practices, offering flexible patient financing is more than a convenience—it’s a competitive edge. According to Cherry’s reports:
- Case acceptance can increase by over 30% when dental payment plans are offered.
- The average treatment size grows by 50%, since patients can afford more comprehensive care.
- Clinics receive full payment within 2–3 business days, improving cash flow and reducing billing delays.
By partnering with Cherry, dental clinics can make advanced treatments—like implants or Invisalign—financially accessible while keeping revenue predictable.
Enhancing the Patient Experience
From a patient’s perspective, Cherry makes affordable dental financing seamless:
- No hard credit inquiry.
- Transparent terms (often true 0% APR dental loans).
- Quick, 60-second approvals.
- The ability to get care now and pay later through dental installment plans.
In one Cherry case study, a dental clinic generated over $91,000 in new revenue within seven months after switching to Cherry financing—proving its real-world impact.
How Cherry Dental Financing Works (Step-by-Step)
- Consultation: Your dentist provides a treatment plan—crowns, implants, or cosmetic work.
- Financing Option: The office introduces Cherry as an interest-free dental payment plan.
- Quick Application: You apply online or in-office with a soft credit check (takes under a minute).
- Select a Plan: Choose between Pay-in-4 bi-weekly installments or monthly plans up to 60 months.
- Start Treatment: The clinic is paid upfront by Cherry, and you begin care immediately.
- Repay Over Time: Manage payments through Cherry’s secure online portal or mobile app.
Pros and Cons of Cherry Dental Financing
✅ Benefits
- Instant access to dental treatment without large upfront costs.
- Flexible payment schedules and 0% APR promotional plans for qualified borrowers.
- Soft credit inquiry means minimal credit impact.
- High approval rates, even for patients with moderate credit.
- Ideal for cosmetic, restorative, and orthodontic procedures.
⚠️ Considerations
- Interest rates depend on eligibility and may apply after promo periods.
- Not every dental office offers Cherry financing.
- You’re still taking on a loan obligation—budget accordingly.
- Always read fine print for fees, late charges, and repayment terms.
Pro tip: Ask your provider about prepayment flexibility—Cherry typically allows early repayment without penalty.
Cherry vs. Traditional Dental Credit Cards
Traditional dental credit cards like CareCredit often involve deferred interest, higher APRs, and hard credit checks.
Cherry financing differentiates itself by offering:
- Soft credit checks for pre-approval.
- Transparent interest-free dental plans (no hidden interest).
- Simplified digital application and faster approval.
For patients seeking stress-free dental payment options, Cherry is often a more transparent and flexible alternative to legacy financing products.
Tips for Using Cherry Dental Financing Wisely
- Get a detailed cost estimate from your dentist before applying.
- Understand how long 0% APR applies and what happens afterward.
- Choose repayment terms that fit your monthly budget.
- Compare options—CareCredit, Sunbit, Proceed Finance, and others—before deciding.
- Ensure your chosen dental clinic is an approved Cherry partner.
When used strategically, Cherry financing can make expensive procedures—like implants or smile makeovers—realistically affordable.
Key Statistics and Insights
- 80%+ approval rate among dental patients (Cherry data).
- 30% higher case acceptance after introducing Cherry financing.
- Practices using Cherry have earned up to $90K+ in added revenue in under a year.
- Loan amounts up to $35,000 with flexible repayment (3–60 months).
These numbers show how flexible dental financing can improve both patient access and clinic performance.
FAQs About Cherry Dental Financing
Q1. What is Cherry dental financing and how does it work?
Cherry is a patient financing platform that allows you to split dental treatment costs into manageable monthly payments—often with 0% APR.
Q2. Will applying affect my credit score?
No. Cherry uses a soft credit check for pre-qualification, which doesn’t affect your credit.
Q3. How much can I finance with Cherry?
Eligible patients can finance up to $35,000 depending on their credit profile and the dental practice’s policy.
Q4. What interest rate does Cherry charge?
Many patients qualify for interest-free dental financing, while others may have low APR options depending on credit.
Q5. How does Cherry compare to dental credit cards?
Unlike traditional dental credit, Cherry has transparent terms, flexible repayment, and no hidden deferred interest.
Q6. Is Cherry available at every dentist’s office?
Not all dental clinics offer Cherry. Check with your dental office to confirm availability and eligibility.
Conclusion: Say Yes to Your Smile
Dental care shouldn’t be out of reach because of cost. Cherry dental financing bridges that gap—making quality care affordable through flexible payment plans, soft credit checks, and 0% APR options.
