Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.

How long is my approval valid for?

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

Can I increase my approval amount?

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.

Can I pay this off early?

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

Does my 0% APR offer expire?

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.

How much is my down payment and when is it due?

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 .

How are refunds handled?

To request a refund, please contact Vibrant Med Spa directly. We defer to the refund policies put in place by Vibrant Med Spa and cannot initiate a refund without their approval. Once Vibrant Med 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.

Does Cherry report to the credit bureaus?

Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.

Can missing payments on my account with Cherry hurt my credit?

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.