Cost shouldn’t stand between you and the care you need. We partner with Cherry to offer flexible monthly payment plans, so you can move forward with treatment and pay over time on terms that fit.
We understand that the cost of care can feel like one more thing to carry — and we don’t want it to be the reason you wait. That’s why we partner with Cherry, a buy now, pay later company built for health and wellness, so you can break your treatment cost into monthly payments, with 0% APR options available on approved credit.
Seeing what you qualify for takes about 60 seconds and doesn’t involve a hard credit check. When you’re ready, you can check your options with Cherry — or simply ask our care team at your consultation, and we’ll walk you through what payment plans could look like for your treatment.
– 1. See if you qualify — the application takes about 60 seconds.
– 2. Get care — use your approval to pay for your treatment.
– 3. Pay over time — choose a plan length that fits your needs, with 0% APR options on approved credit.
– 4. Pay off early anytime — Cherry has no prepayment penalties.
– Checking your options doesn’t involve a hard credit check.
– Applying takes about 60 seconds.
– 0% APR options are available on approved credit.
– No hidden fees — and no penalty for paying off early.
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 a limited window after you apply. Once your approval expires, you are welcome to reapply — checking your options again only takes about a minute.
If you are eligible for an increase, you may request this through the Cherry Consumer 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 via 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 Transform Health & Wellness directly.
We defer to the refund policies put in place by Transform Health & Wellness and cannot initiate a refund without their approval.
Once Transform Health & Wellness 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 delinquencies on your account to the credit bureaus.
Reach out and we’ll help you understand the right next step for your situation.
