Cherry performs a soft credit check, which does not hurt your credit score, to determine approval amounts and contract type, as well as to verify applicant identity. Cherry may ask for additional information from some borrowers in order to determine approval amounts. Choose from 3, 6, 12, 18, or 24-month payment plans with some qualifying for 0% APR options. Thanks to Cherry’s fast approval process, you’ll be enjoying your purchase in no time - all you need is your state ID and mobile phone number to get started. After approval, manage payment options and stay in control with 24/7 access to Cherry’s self-serve client portal.