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Cherry Financing Options

Flexible monthly payment plans through Cherry make quality dental care affordable without delaying treatment you need now.

Cherry Financing Options
FAQs

Frequently Asked Questions

Find answers to common questions about Cherry Financing, from applying and getting approved to choosing a payment plan. We want you to feel informed and confident about how you pay for care.

What is Cherry Financing and how does it work?
Cherry is a payment platform built for dental and health care. It lets you split the cost of treatment into monthly payments instead of paying the full balance at once. You apply online, review the plans you qualify for, and pick the one that fits your budget. Your treatment continues at our office as scheduled while Cherry manages your payments.
Will applying for Cherry Financing affect my credit score?
No. Checking your options with Cherry uses a soft credit check, which does not affect your credit score. That means you can see what you qualify for before you commit to anything.
How quickly will I find out if I'm approved?
The application takes about a minute, and most applicants see their options right away. You can apply from home before your visit or at our front desk, so you can know your plan before you leave the office.
What types of treatment can I pay for with Cherry?
Cherry can be used for most of the care we provide, including preventive visits, fillings, crowns, root canals, extractions, cosmetic treatment, and dental implants. A plan is not tied to a single service, so many patients use it to cover a full treatment plan that spans several visits.
Can I use Cherry Financing with dental insurance?
Yes. We bill your insurance first for any covered portion of treatment, and a Cherry plan can then spread out the remaining balance. If you are not sure what your plan covers, visit our Insurance page or ask our team and we will help you sort it out.
Are there 0% APR payment plans available?
Cherry offers 0% APR options as well as interest-bearing plans with longer terms. The plans you see depend on your eligibility and the size of your treatment. Cherry shows the monthly payment, term, and any interest before you accept, so there are no surprises.
What happens if I miss a monthly payment?
Cherry manages your payment plan directly, so questions about a missed or late payment go through their support team rather than our office. We recommend reviewing your payment schedule and the plan terms before you accept so you know exactly what to expect.
How do I get started with Cherry Financing?
The easiest way is to use the See If You Qualify button at the top of this page. You can also schedule a visit so we can review your treatment and give you a clear cost estimate, then our team will help you apply at the front desk. You can request an appointment anytime online.

Downtown Dental and Implants of Oswego

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From routine checkups to full implant care, our Oswego team is ready to welcome you. Schedule your visit today and experience dentistry done right.