No hard credit checks, ever
True 0% APR options available
Interest-bearing plans with APRs as low as 5.99%
Up to $50,000 approvals
No hidden fees
It only takes 60 seconds to complete the application
Use your approval to pay for your treatment
Choose a plan length that fits your needs with 0% APR options
What is Cherry? Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.
If you are eligible for an increase, you may request this through the Cherry Customer Portal. Increased approval amount and decision are subject to eligibility. If you do not see the button to "request an increase," it means you are ineligible for an increase at this time.
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you'll even avoid some of that interest.
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.
Once you input your purchase price, you'll be provided with the options you have for down payment. It is due when the provider confirms they will need the funds in order to move forward with your services. Remember to bring your bank issued debit or credit card* when you are ready for checkout.
Making payments with a 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
To request a refund, please contact Botanic Zen Aesthetics directly.
We defer to the refund policies put in place by Botanic Zen Aesthetics and cannot initiate a refund without their approval.
Once Botanic Zen Aesthetics authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly.
If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.
Yes, Cherry may report the status of our borrowers' accounts to Equifax, one of the major credit bureaus.
Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other deliquencies on your account to the credit bureaus.
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(opens in new tab). See withcherry.com/terms(opens in new tab) 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 our product accessible. For our accessibility statement and feedback form, see withcherry.com/accessibility.
Copyright © 2020-2026 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.
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