Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.

Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.

If you are eligible for an increase, you may request this through the Cherry Patient 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.

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 the term as long as you stay current with your payments. 0% APR and other promotional rates subject to eligibility.

Once you input your purchase price, you’ll be provided with the options you have for a down payment. It is due when the practice 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 pre-paid debit card or credit card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional debit card.

To request a refund, please contact Bella Grace Home Spa directly. We defer to the refund policies put in place by Bella Grace Home Spa and cannot initiate a refund without their approval. Once Bella Grace Home Spa 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 your account's late payments, missed payments, or other delinquencies to the credit bureaus.