Get Care Now,
Pay Later

with Cherry &
Newest Beginnings

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Let your money go further and take better control of your cash flow when you pay over time in smaller installments with Cherry.

  • Flexible Payment Options
  • High Approval Rate
  • Quick Application
  • No Hard Credit Check
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Cherry Consumer Portal

Flexible Payments For Any Budget

Use the payment calculator to simulate what your monthly payments could look like.

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How It Works

Choose from a range of monthly payment plans, with qualifying 0% APR options. Applying is simple and does not impact your credit score. If you’re approved for financing, you can use your funds immediately. Manage your payment options using Cherry’s self-serve consumer portal.

Frequently Asked Questions

What is Cherry?
Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
Approvals are valid for undefined days. Once that time period expires, you are welcome to reapply.
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.
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.
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.

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.

To request a refund, please contact Newest Beginnings directly.

We defer to the refund policies put in place by Newest Beginnings and cannot initiate a refund without their approval.

Once Newest Beginnings 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 late payments, missed payments, or other deliquencies on your account to the credit bureaus.

Manage My Plan

Manage your payment plans inside the Cherry Consumer Portal.
Cherry Consumer Portal

More Questions?

Visit our Help Center
 
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. See withcherry.com/terms for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.

Copyright © 2020-2025 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111. Accessibility

WE NOW ACCEPT FSA/HSA

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Newest Beginnings accepts FSA and HSA payment cards
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