Cherry Financing

Cherry Dental Financing – Affordable Payment Plans for Your Dental Care

Lakefront Family Dentistry is excited to offer Cherry Financing – a new, flexible payment plan option to make your dental treatments more affordable. With Cherry, you can break your dental care costs into budget-friendly monthly installments instead of paying a large sum all at once.

Cherry financing puts patients first, offering a quick 60-second application process that does not affect your credit score, instant approval decisions, and true 0% APR plans for those who qualify with Cherry. It’s not a credit card or traditional loan, but a patient-friendly financing solution designed specifically for healthcare expenses like dental treatments. Now you don’t have to delay important dental work – Cherry finance lets you get treated now and pay over time with ease.

Click the Cherry Image Below to Apply for Financing with Lakefront Family Dentistry After Speaking with One of Our  Patient Coordinators First About Particular Your Treatment

Benefits of Cherry Financing for Patients

Choosing Cherry dental financing comes with a host of benefits that make paying for dental care simpler and less stressful. Here are some key features and advantages for our patients:

• Fast & Easy Application: Applying for Cherry financing is quick and convenient. It takes about 60 seconds or less to complete the application on your smartphone or our office tablet, and you’ll receive an approval decision almost immediately with Cherry. No long forms or waiting weeks for approval – you can get on with your treatment right away.
• No Hard Credit Check: Cherry’s application process involves only a soft credit pull, so applying will not impact your credit score with Cherry. This means you can check your Cherry financing options risk-free, without the worry that your credit will be dinged.
• High Approval Rates: Cherry approves a broad range of patients, including those with less-than-perfect credit. In fact, Cherry boasts an industry-leading approval rate of over 80%, meaning far more patients get approved compared to other financing methods. Even if you’ve been denied by other services before, there’s a good chance you can qualify with Cherry financing options. More approvals mean more patients get the care they need without financial barriers.
• Flexible Payment Plans: With Cherry, you have the freedom to choose a payment plan that fits your budget. Plan lengths can range from just a few months up to 60 months (5 years) for larger treatments. You can finance amounts as low or as high as needed (up to $35,000 for dental procedures), which covers everything from routine care to full smile makeovers. Monthly payments are clearly outlined, so you’ll know exactly what you owe each month. This flexibility makes it easier to say “yes” to recommended treatment plans by breaking costs into manageable chunks.
• 0% APR Options: Cherry offers true 0% APR plans for qualifying patients, meaning you can **split your payments with no interest added at all. This isn’t a gimmicky deferred interest promotion like some credit cards offer – it’s real 0% financing where you won’t be hit with retroactive interest later. If you qualify, you could finance your dental work interest-free, saving you money compared to traditional credit. Even if you don’t qualify for 0%, Cherry’s interest rates are competitive and clearly disclosed upfront as a simple APR (no compounding surprises).
• No Hidden Fees or Penalties: With Cherry, what you see is what you get. There are no upfront origination fees, no hidden charges, and no prepayment penalties. You won’t encounter any sneaky fees such as deferred interest, compound interest, or surprise charges buried in fine print. If you decide to pay off your balance early, you can do so at any time without any penalty or extra fees – in fact, paying it off early would save you any remaining interest on the loan. Cherry’s transparent terms give you peace of mind that you’re not signing up for anything other than your agreed monthly payments.
• Convenient & Patient-Controlled: The entire Cherry finance process is very patient-friendly. You can apply for Cherry financing right from your own smartphone or computer, or with our help at the office. Once approved, you choose the payment plan that works best for you (for example, selecting a shorter plan to pay less interest, or a longer plan for smaller payments). The first payment (a down payment equal to your first monthly installment) is made to secure the plan, and then the rest is automatically billed according to the schedule – so it’s hassle-free. You’ll also get access to an online patient portal to track payments, and you can even adjust your payment due date once if needed to better align with your budget. It’s a modern, digital financing experience with no fuss – as one Cherry user put it: “No fuss. Instant approval. Choice of payment.”

With benefits like these, it’s clear why Cherry Payment Plans have quickly become a preferred financing option for dental patients. You get the care you need now, while staying in control of your finances and avoiding the pitfalls of traditional credit.

How to Apply for Cherry Financing at Our Office

Ready to apply for Cherry financing and take the next step toward a healthier smile? It’s simple! Here’s how:

1. Contact Our Office for Your Personal Link: The easiest way to get started is to call our office for a special Cherry application link tailored to our practice. Cherry requires you to apply through a specific provider link, so when you’re ready, give us a call and we’ll text or email you the unique Lakefront Family Dentistry Cherry application link. This link will automatically tie your application to our office and the treatment you need.
2. 60-Second Application: Once you have our link, just tap it and fill out the short application form on your smartphone or computer. It will ask for basic information and a debit card (or bank account) to set up your payments. Remember, this application will not perform a hard credit check, so you can apply with confidence. In most cases, you’ll get an answer within a minute or two.
3. Instant Approval & Choosing a Plan: If approved, you’ll see the amount you’re approved for (for example, “Approved for up to $5,000”). Our team will help you determine the amount needed based on your treatment plan. When it’s time to check out, we’ll send you a checkout link where you can select among the available Cherry financing options (e.g. 6 months, 12 months, 24 months, etc., with the corresponding 0% or APR for each). Choose the plan that fits your budget, make the initial down payment to secure it, and you’re all set!
4. Start Treatment: With financing in place, you can proceed with your dental treatment immediately. Cherry will pay our office upfront for the cost, and you will repay Cherry over time according to the plan you selected. Enjoy your healthier, happier smile now and pay later!

Dental Procedures Eligible for Cherry Financing

Cherry’s dental financing plans can be applied to a wide range of dental treatments, from routine care to extensive procedures. Below is a comprehensive list of dental services that practices commonly allow under Cherry financing, based on Cherry’s official information and what providers typically accept:

• Preventive & Routine Care: Professional dental cleanings and exams – Cherry can even be used for regular check-ups and cleanings if needed. (Many patients choose to reserve financing for larger treatments, but the option exists for routine care. Some offices may set a minimum case size for financing – for example, one practice offers Cherry only for treatments $500 or more, which means small preventive visits are usually paid out-of-pocket.)
• Restorative Treatments: Tooth repairs and restorations such as cavity fillings, dental crowns, and bridges are typically eligible. Cherry is “commonly used for” procedures like crowns, and providers note you can finance essential treatments like fillings or crown placements to restore damaged teeth. This includes larger restorations like multi-tooth bridges as well, helping patients manage the cost of repairing their smiles.
• Root Canals: Root canal therapy and related endodontic treatments can be financed through Cherry. These necessary procedures (often needed to save an infected tooth) are often high-cost and thus good candidates for Cherry payment plans. Financing a root canal allows patients to proceed with treatment without delay, splitting the cost into manageable payments – a benefit emphasized by Cherry’s patient-friendly financing model. (If a crown is needed after the root canal, that too can be covered under the same plan.)
• Dental Implants & Dentures: Tooth replacement procedures are commonly financed with Cherry. This includes dental implants (from the implant surgery to the abutment and crown restoration) and dentures or implant-supported dentures. Cherry’s platform is frequently used for high-value treatments like implants, and “crowns and dentures” are listed among popular treatments eligible for Cherry financing. Patients can therefore replace missing teeth – whether with a single implant or full dentures – and pay over time.
• Tooth Extractions & Oral Surgery: Oral surgical procedures are accepted under Cherry plans. Patients often use Cherry to finance tooth extractions (including wisdom teeth removal) and other necessary oral surgeries. Whether it’s a simple extraction or a more complex surgical procedure, Cherry financing lets you spread out the cost. This ensures you can proceed with needed oral surgery (for infection, pain relief, or orthodontic reasons) without the full upfront financial burden.
• Orthodontic Aligners (Invisalign®): Clear aligner orthodontic treatment can be financed through Cherry. While traditional braces are not offered by our practice, we do provide Invisalign – and Cherry is “commonly used” for Invisalign therapy. This means you can straighten your teeth with clear aligners and make monthly payments instead of paying the entire fee at once. (Cherry covers other aligner systems as well, but again, traditional metal braces are excluded here since our office focuses on Invisalign.)
• Cosmetic Dentistry: Elective cosmetic procedures to enhance your smile are typically eligible under Cherry financing. This includes treatments like porcelain veneers for smile makeovers and professional teeth whitening. Practices offering Cherry often let patients finance cosmetic work – for instance, one Cherry provider notes that “cosmetic treatments” (like veneers or bonding) can be covered by Cherry plans. Whether you want a brighter smile or a full cosmetic makeover, Cherry gives you a budget-friendly way to pay over time.
• Additional Common Treatments: Nearly any necessary dental procedure can be covered if you have an out-of-pocket expense. Cherry payment plans have been used for periodontal therapies (such as deep cleanings for gum disease), oral appliances (e.g. night guards), and more. Cherry’s own finder tool highlights popular services like whitening, implants, Invisalign, veneers, crowns, dentures, smile makeovers, restorations, and even routine teeth cleaning as treatments people finance with Cherry. In short, if your dental office offers it – from a simple filling to a complex full-mouth reconstruction – Cherry financing can likely cover it, subject to any minimum amount policies your provider may have.

Each dental practice may have its own guidelines, but most out-of-pocket dental treatments qualify for Cherry financing. Cherry’s flexible plans (up to $35,000 in funding) are designed to make dental care accessible, whether it’s a health-critical procedure or an elective service. This means you can proceed with needed care – be it a preventive visit, a restorative fix, or a cosmetic upgrade – and comfortably pay over time. Always check with our office staff if you’re unsure, but rest assured that we’ve integrated Cherry so patients can “get the dental work they need now and pay later” in virtually all cases.

Frequently Asked Questions About Cherry Dental Financing

Q: Can I use Cherry Financing at Lakefront Family Dentistry for my treatment with Dr. Hauser or Dr. Phillipe?

A: Absolutely. Lakefront Family Dentistry in Lake Elsinore, California, proudly offers Cherry dental financing as a flexible option for patients receiving care from Dr. Derek Hauser or Dr. Mark Phillipe. Whether you’re coming in for a dental implant, CEREC same-day crown, Invisalign® treatment, or cosmetic veneers, Cherry helps make high-quality dental care more affordable without using a traditional credit card.

Q: How does Cherry Financing differ from CareCredit, Lending Club, or Affirm?

A: Unlike CareCredit, Lending Club, or Affirm, Cherry Finance is not a credit card—and approvals are based on soft credit checks, so there’s no impact to your credit score when applying. Cherry also allows for split payments over time with zero to low interest plans, depending on your eligibility. It’s an ideal option for patients who need immediate treatment but prefer not to use revolving credit.

Q: What dental procedures are eligible under Cherry dental financing at Lakefront Family Dentistry?

A: You can apply for Cherry financing to cover a wide range of services offered by Dr. Hauser and Dr. Phillipe, including:

• Same-day CEREC porcelain crowns
• Porcelain veneers (crafted in 2–3 days)
• Dental implants using Nobel Biocare
• Invisalign for adults
• Tooth extractions
• Root canal therapy
• Cosmetic smile makeovers
• Night guards or TMJ therapy
  If you’re unsure whether your treatment qualifies, call our office and we’ll walk you through your options.

Q: How do I apply for Cherry financing at Lakefront Family Dentistry?

A: To apply, simply call our office during business hours and request your custom Cherry application link, which is tailored to your treatment plan. A Patient Coordinator will guide you through the steps to ensure your financing matches the care recommended by Dr. Derek Hauser or Dr. Mark Phillipe. Approval takes just seconds—and there’s no hard credit pull.

Q: Who accepts Cherry financing near me?

A: If you’re searching “who accepts Cherry financing near me”, Lakefront Family Dentistry is proud to be a participating Cherry dental provider for the entire Inland Empire. We serve patients throughout Lake Elsinore, Canyon Lake, Menifee, Temecula, Murrieta, Corona, Wildomar and beyond with advanced restorative and cosmetic treatments—and now more flexible payment options.

Cherry Financing vs. CareCredit

Many patients are familiar with CareCredit, a well-known healthcare credit card. While CareCredit can be helpful, Cherry financing offers several significant advantages for dental patients:

• No Credit Card Needed: CareCredit is essentially a credit card that you must apply for, which involves a hard credit check and adding a new line of credit to your profile. Approval can be tough if your credit score isn’t high. In contrast, Cherry is not a credit card at all, but a point-of-care installment loan. Cherry uses a soft credit check for application (no impact on your credit score) and has much higher approval odds for patients across the credit spectrum. This means Cherry can often approve patients that CareCredit might turn away.
• True 0% APR vs. Deferred Interest: CareCredit often advertises “no interest if paid in full” promotions for 6, 12, or 18 months. However, if even $1 of the balance remains at the end of the promo period, you get hit with all the deferred interest from the original purchase date – often at very high rates (25%+ APR). This retroactive interest surprise can be very costly. Cherry financing avoids this issue entirely. Cherry offers 0% APR plans that are truly interest-free for the life of the plan, with no deferred interest catch. If you qualify for a 0% Cherry plan, that interest savings is locked in and won’t suddenly disappear. Even on plans that do have interest, Cherry only charges the straightforward interest on the remaining balance – there’s no concept of deferred retroactive interest at all. In short, Cherry is more transparent and forgiving – you won’t be penalized if you need a bit longer to pay off your dental work.
• Higher Approval Rates: CareCredit typically requires a decent credit score (often in the mid-600s or higher) for approval, especially for larger lines of credit. Many patients with limited credit history or past credit issues can get denied, which is frustrating when you need treatment. Cherry shines here with its 80%+ approval rate, significantly higher than the traditional medical credit card’s approval rate. Cherry’s platform is designed to approve more patients for financing (in fact, in one survey Cherry approved patients that the “leading medical credit card” did not, 97% of the time). This means Cherry financing can help more patients get to “Yes” on a treatment plan instead of postponing care due to budget.
• Lower Stress for Patients: We often hear that patients find Cherry’s process much easier and less stressful than dealing with a credit card. There’s no need to carry a new card or worry about managing another revolving credit line. Cherry’s simple installment setup and user-friendly application mean you know exactly what you’re signing up for. One patient who had used CareCredit in the past said Cherry was “actually the easiest to use”, highlighting the difference in user experience. With Cherry, you’re in control: you pick the plan, you know the total cost upfront, and you can even adjust your plan if you want to pay it off early with no penalty.

Bottom line: While both Cherry and CareCredit can help you finance dental work, Cherry dental financing is often the better choice for our patients. It’s more inclusive for those with less-than-perfect credit, spares you from deferred interest traps, and delivers a straightforward, patient-friendly experience from start to finish. Lakefront Family Dentistry is proud to accept Cherry financing options, so you have an alternative to credit cards that truly puts your needs first.

Cherry Financing vs. Affirm

Affirm is another popular “buy now, pay later” option that some patients might have encountered for online shopping or even other medical bills. Our practice also offers Affirm, but here’s how Cherry financing compares to Affirm for dental expenses:

• Designed for Healthcare: Affirm is a general financing platform used at many retailers, whereas Cherry is specifically focused on healthcare and dental financing. Cherry understands the dental treatment context, allowing larger loan amounts and longer terms if needed for extensive procedures. Affirm, on the other hand, typically offers 3 to 24 month installment plans for purchases. While Affirm can work for smaller dental costs, Cherry can accommodate both small and very large treatment plans (up to $35,000) with terms potentially extending to 36, 48, or even 60 months in special cases. This flexibility makes Cherry a better fit for comprehensive treatment plans like full smile makeovers or multiple implants that might exceed Affirm’s usual scope.
• No Hidden Costs – Both Cherry and Affirm: One of Affirm’s selling points is that it has no hidden fees, no late fees, and no prepayment penalties; you only pay the upfront disclosed amount (interest included) and that’s it. Cherry similarly prides itself on transparent, no-hidden-fee financing. With Cherry, you won’t encounter surprise charges or punitive fees – no late fee traps, no sneaky “gotchas”. (Do note: Cherry may charge modest fees for things like a returned payment or a payment that’s more than 10 days late, but these are standard nominal fees, and Cherry even allows a one-time courtesy waiver. You will never get an unexpected fee if payments are on time, and you’ll never be charged anything beyond what’s in your loan agreement.) Importantly, neither Cherry nor Affirm has any prepayment penalty, so you can pay off early to save on interest if you choose.
• Approval Criteria: Both Cherry and Affirm use a soft credit check for initial application, so just checking your eligibility won’t hurt your credit for either one. However, Cherry tends to approve more patients in practice, especially those with lower credit scores. Affirm’s approvals and interest rates are still largely credit-dependent – if your credit isn’t great, Affirm might offer you a higher APR or even decline the loan. Cherry, by contrast, has a proprietary approval system that considers more than just your credit score, resulting in more inclusive financing. This can be a lifesaver for patients who might not meet Affirm’s criteria but still need a way to pay for care. In short, Cherry financing has higher approval odds for many people, ensuring you have a backup if Affirm cannot help.
• Interest Rates and Promotions: Affirm’s interest rates vary based on your credit and the merchant; sometimes Affirm offers 0% APR promotions, but often interest will be charged (anywhere from ~10% to 30% APR). Cherry also charges interest for some plans depending on your credit, but as mentioned, Cherry offers a true 0% APR options for qualified borrowers in dental practices. Additionally, Cherry’s interest (if any) is straightforward simple interest on the loan balance – no compounding and no unexpected jumps. Affirm similarly shows you the total cost upfront. The difference is, Cherry might be able to give you a longer term to keep payments low or approve a larger amount if needed, whereas Affirm might cap out or require a higher monthly payment for the same large treatment. Cherry essentially gives dental patients more flexibility in structuring their plan.

In summary, Affirm is a solid financing tool and we’re happy to offer it – it’s great for its transparency and lack of fees. However, Cherry financing often edges out Affirm for dental care by approving more patients and offering greater flexibility in loan amount and term length. Cherry is a dedicated dental financing partner, which means it’s built to cover the costs of your treatment plan in a way that best fits your budget. If you have an upcoming procedure that Affirm can’t fully cover or you want to explore all options, applying for Cherry financing is a wise choice.

Cherry Financing vs. LendingClub Patient Solutions

Lakefront Family Dentistry has also worked with LendingClub Patient Solutions (formerly Springstone) as a financing option. LendingClub is essentially a personal loan program for dental and medical expenses. Here’s how Cherry financing compares with LendingClub:

• Instant In-Office Approval: Cherry provides near-instant approval right in our office or online within minutes, allowing you to proceed with treatment the same day. LendingClub’s application, while fairly quick, is a bit more like a traditional loan application – it may take a little longer and often requires a hard credit inquiry on your credit report. Cherry’s soft inquiry process means you can get pre-approved without any credit damage and with minimal wait time.
• Credit Requirements: LendingClub financing tends to be most favorable for patients with good to excellent credit. Because these are installment loans through a lender, approval “relies heavily on your credit score” and overall credit history. Patients with poor credit may find it difficult to get approved or may be offered only high interest rates. Cherry’s platform is more flexible – it was designed to approve a wider range of credit profiles, with an ~80% approval rate that far exceeds typical personal loan approval rates. That means Cherry can often help patients who don’t qualify for LendingClub or other bank loans. Even if your credit isn’t ideal, Cherry might still provide a financing offer to make your dental work possible (sometimes with a slightly higher APR, but at least you get a chance to move forward with treatment).
• Interest Rates and Fees: LendingClub Patient Solutions offers low APR plans for those who qualify (sometimes starting around 3-4% for well-qualified borrowers) and never charges prepayment penalties or hidden fees. This is great – and Cherry is comparable in this regard. Cherry has no prepayment penalties and no hidden fees either, and for top-qualified patients Cherry can offer 0% APR or low APR plans as well. The difference is that LendingClub will simply decline applicants who don’t meet their credit criteria, whereas Cherry might approve those patients but at a higher interest rate. In other words, LendingClub is either low-interest (if you have excellent credit) or nothing at all if you don’t qualify, whereas Cherry tries to give you something – an approval with terms that match your credit level. This inclusive approach means more patients will get a financing offer. Of course, if you have excellent credit, you may get similarly good terms from either Cherry or LendingClub – but Cherry’s process will still be faster and easier.
• Down Payment: One difference to note is that Cherry typically requires a small down payment at the time of checkout (usually equivalent to your first monthly payment) to secure the loan and begin the installment plan. This down payment goes directly toward your treatment cost (it’s not an extra fee). LendingClub loans generally require no initial payment up front, and your first payment might be due about 4–6 weeks after funding, depending on the loan terms. Some patients prefer not to pay anything the day of treatment, so this is a consideration – though the Cherry down payment is relatively small and simply applies to your balance, effectively reducing what’s left to pay. In return for making a down payment, you get the benefit of Cherry’s higher approval odds and flexibility as mentioned above.

In summary, LendingClub Patient Solutions is a strong financing option if you have good credit and want a traditional low-interest loan with no money down. However, Cherry financing stands out as the more accessible and fast option for the majority of patients. Cherry’s high approval rate and instant, hassle-free application mean you’re more likely to have financing in place right when you need it – even if your credit isn’t perfect. Plus, Cherry’s terms are straightforward and competitive with other lenders, so you’re not sacrificing anything by choosing this convenient option. We’re pleased to add Cherry to our financing offerings to ensure every patient has a way to afford care.

If you have any questions or need assistance during the application, our friendly front desk and treatment coordinator will be happy to help you through each step. Call us at (951) 244-9495 and just let us know you’re interested in Cherry financing. We’ll provide the link and guidance based on your dental needs – it’s that easy.

Don’t let budget concerns stand in the way of your oral health. With Cherry dental financing at Lakefront Family Dentistry, you have a trusted, patient-focused payment plan available whenever you need it. Whether it’s an emergency procedure or a dream cosmetic dentistry upgrade, Cherry can make it attainable with low monthly payments. Join the many patients who have said “yes” to treatment thanks to Cherry’s help and get the care you deserve without financial stress.

Take advantage of Cherry Finance Payment Plans today – call us to get your application link and see how much you qualify for. Your smile and dental health are worth it! With Cherry, “Get treated now, pay monthly.”