Payment Plans


Treat now & pay later!

Get pre-approved for a payment plan now & pay later.

No hard credit checks.

Get pre-approved for a payment plan now & pay later.

No hard credit checks.

*payments as low as $99/mo.

6 Reasons Why

You’ll Love Cherry!

  • Qualify for up to $10,000.00

  • No Hard Credit Check, Hidden Costs, or Fees

  • Flexible Payment Options

  • Get Approved in Seconds

  • High Approval Rate

  • Zero-Percent Financing Options*

*0% APR is subject to approval. Regular APR 9.99% – 35.99%. Down payment may be required.

Client Requirements

  • Clients must be at least 18 years of age

  • Clients must have a valid bank-issued debit card

No hidden fees. No paperwork. No hassle.

How Does Cherry Work?

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.

Cherry's Frequently Asked Questions

How long is my approval valid for with Cherry?

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

Can I increase my approval amount with Cherry?

Once you’re approved, you’re approved for the maximum amount based on your financial background. Therefore, the amount cannot be increased.

Can I pay this off early with Cherry?

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

Does my 0% APR offer expire with Cherry?

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%, this promotion is valid until the end of the term as long as you stay current with your payments.

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

Once you take out a loan with Cherry, we may report repayment information about your account to the consumer reporting agencies. Loans that are marked as delinquent may have a negative impact on your credit score.

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

Once you input your purchase price, you’ll be provided with the options you have for a down payment. It is due when the merchant confirms they will need the funds in order to move forward with your services. Remember to bring your bank-issued debit card when you are ready for checkout.

How are refunds handled by Cherry?

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

More Cherry Questions?

Contact the Cherry Support Team


Phone: (888) 839-7171

Cherry Support Hours

Monday through Friday 9 AM – 9 PM EST.

Saturday 9 AM – 7 PM EST.

Sunday 10 AM – 3 PM EST.

Payment options through Cherry Technologies Inc. are issued by Cross River Bank, member FDIC. Copyright © 2020-2022 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.

Have a Question for us?

Feel free to Call/Text us at (847) 603-4346 or email us and we’ll contact you shortly.

Contact Us

Opening Hours

Monday 9am - 5pm

Tuesday 9am - 5pm

Wednesday 9am – 5pm

Thursday 9am – 5pm

Friday 9am - 5pm

Saturday 9am – 5pm

Sunday Closed

Contact Information

Address: 9421 Ackman Rd, Lake in the Hills, IL 60156


Telephone: (847) 603-4346

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