Payment Plans & Cherry Financing in Naperville, IL
Split the cost of weight loss, IV therapy, aesthetics and more into predictable payments through Cherry. Checking your options uses a soft credit check that won't affect your credit score, and qualified applicants may see 0% APR plans.
Payment options through Cherry are provided by Cherry's lending partners and are subject to credit approval. Terms, APR (0%-35.99% depending on plan and creditworthiness) and eligibility are determined by Cherry, not the clinic. See withcherry.com for details.
Why Finance Your Wellness Care?
Cherry payment plans can make it easier to start the care you want now and pay over time. Checking what you qualify for is low-risk, and any plan, term or rate is determined by Cherry based on your eligibility.
Start care now, pay over time
Many treatments work best as a series or program, from IV therapy to body contouring and weight-loss support. A payment plan may help you begin now instead of waiting, then spread the cost into manageable payments.
Predictable, fixed payments
Instead of one large charge, qualifying plans let you pay in fixed installments so you can budget with confidence. Everyone approved gets an interest-free Pay-in-4 option paid biweekly; longer monthly terms may also be available.
Use it your way
Apply financing to a single service, a treatment package or a membership at our Naperville clinic. You choose from the plan options you qualify for at checkout.
Low-risk to check
Seeing your options uses a soft credit check that does not affect your credit score, according to Cherry. Because most wellness and aesthetic services are self-pay and not billed to insurance, Cherry is a practical way to spread out costs.
How Cherry Payment Plans Work
Cherry is a financial technology platform (not a bank or lender); financing is originated through Cherry's lending partners. Available terms, down payment and APR depend on Cherry's approval decision and are shown to you before you commit.
Apply in seconds
Complete a short Cherry application, advertised at around 30 seconds. It uses a soft credit check that does not affect your credit score. You'll provide basic personal and financial information.
Get a real-time decision
Cherry returns an instant eligibility decision. Approval is not guaranteed and depends on factors Cherry evaluates, including your financial history, credit, income and expenses. Cherry advertises high approval rates, but eligibility is decided by Cherry, not the clinic.
Choose a plan that fits your budget
If approved, select from the plans you qualify for. Everyone approved gets an interest-free Pay-in-4 (biweekly) option; qualifying applicants may also see 0% APR promotional plans or longer monthly plans up to 60 months. Your APR, term and any down payment are set by Cherry.
Pay over time
Complete checkout through a link the clinic sends and pay a first payment or down payment if required. Cherry then handles recurring payments directly. You can pay off your plan early at any time with no prepayment penalty. Payment activity may be reported to credit bureaus.
Treatments You Can Finance at Naperville Health & Wellness Clinic
Use Cherry across our services, packages and memberships. Prices shown are illustrative starting ranges and subject to change; any monthly figures are estimates only and depend on the plan you qualify for. This is not medical or financial advice.
Medical Weight Loss & GLP-1 (Semaglutide, Tirzepatide)
Physician-guided weight-loss programs including GLP-1 injections. Spread program costs over time instead of paying the full amount up front.
Example: a $1,500 program is roughly $63/mo over 24 months on a qualifying plan
Learn moreIV Therapy & Vitamin Drips
Hydration and vitamin infusions, ideal to finance as a series for ongoing wellness support.
Typical range $100-$475 per session; a package could be roughly $50-$100/mo on a qualifying plan
Learn moreAesthetics, Botox, Fillers & Laser Hair Removal
Injectables, facial aesthetics and laser hair removal treatments, financeable individually or as a series.
Treatments up to ~$800; laser $75-$500; example ~$35/mo on a qualifying plan
Learn moreBody Contouring & Physiq360
Non-invasive body contouring sessions that are often done as a multi-session series, well suited to a payment plan.
Typical range $750-$1,500; example ~$100/mo over 12 months on a qualifying plan
Learn moreHOCATT & Advanced Wellness (Sinclair V30)
HOCATT ozone sessions and advanced wellness treatments, financeable per session or as a package.
HOCATT $150-$250; Sinclair V30 $150-$300 per session
Learn moreMemberships & Multi-Session Packages
Apply financing to a wellness membership or a bundled package to lock in your care and spread the cost.
Cherry financing amounts range from $200 up to $65,000, subject to approval
Learn morePrices are illustrative starting ranges only and are subject to change. See each service page or contact the clinic for current pricing. Any monthly payment figures are examples only; your actual plan, APR and term are determined by Cherry based on your eligibility.
Check Your Rate & See Your Monthly Payment
Preview an estimated monthly payment, then check the plans you qualify for, all with a soft credit check that won't affect your credit score. Cherry advertises decisions in as little as about 60 seconds.
Prefer to talk it through? Call (877) 885-8784 and our team can walk you through payment options.
Payment options through Cherry are provided by Cherry's lending partners and are subject to credit approval. Terms, APR (0%-35.99% depending on plan and creditworthiness) and eligibility are determined by Cherry, not the clinic. See withcherry.com for details.
Why Patients Choose Cherry: Soft Credit Check, Fast Decisions, Transparent Terms
Cherry is a third-party healthcare financing platform. The clinic partners with Cherry but does not make lending decisions, set terms or approve applications.
Soft credit check to see your options
Checking your rate uses a soft credit check that does not affect your credit score, according to Cherry's disclosures.
0% APR plans for qualified applicants
Qualifying applicants may see 0% APR promotional plans, and everyone approved gets an interest-free Pay-in-4 option. 0% APR and other promotional rates are subject to eligibility and are not guaranteed for everyone; other plans carry interest.
Fast decisions
Cherry advertises an application of around 30 seconds with a real-time decision, so many applicants get an answer within moments.
Transparent terms before you commit
You see your full payment schedule, term and any down payment before you agree. You're never charged for checking your options.
No prepayment penalties
Cherry states there are no prepayment penalties, so you can pay off your plan early at any time. Cherry also advertises no hidden, deferred, retroactive or compounding interest.
Set by Cherry, not the clinic
Payment plans are provided by Cherry's lending partners and are subject to credit approval. Terms and APR (0% to 35.99% depending on plan and eligibility) are determined by Cherry, not the clinic. Possible fees include a late fee up to $30, an NSF/returned-payment fee up to $30, and a 2.99% credit-card processing fee; fee details can vary by state.
Other Ways to Pay: HSA, FSA & Memberships
Cherry is one of several ways to pay for care at our Naperville clinic. Depending on your treatment, you may also be able to use HSA/FSA funds or save with a membership.
Using HSA & FSA funds
Some eligible medical services may be paid with HSA or FSA funds. Eligibility depends on your specific plan and the service; check with your plan administrator to confirm what qualifies.
Save with a wellness membership
For recurring care, a wellness membership may lower your per-visit cost compared with paying each time. Memberships can also be financed through Cherry if you prefer to spread the cost.
Cherry Financing: Frequently Asked Questions
Answers about payment plans, credit checks, APR and fees for care at our Naperville clinic.
Does checking my rate with Cherry affect my credit score?
No. Checking your eligibility uses a soft credit check, which does not impact your credit score, according to Cherry. This lets you see what you may qualify for before committing.
How fast will I know if I'm approved?
Very fast. Cherry advertises an application that takes around 30 seconds and provides a real-time decision, so most people get an answer within moments of applying. Approval is not guaranteed.
Does Cherry really offer 0% APR?
Yes, Cherry offers qualifying 0% APR promotional plans, and every approved applicant gets an interest-free Pay-in-4 option. However, 0% APR and other promotional rates are subject to eligibility, so a 0% plan is not guaranteed for everyone; other plans carry interest.
What APR could I be charged if I don't qualify for 0%?
Cherry's APR range is 0% to 35.99%, depending on your eligibility. Interest-bearing plans carry an APR within that range, and your specific rate is determined by Cherry based on your financial profile.
How long are the payment terms?
Plan terms range from 1 to 60 months, depending on the plan you qualify for. Options can include short interest-free plans, an interest-free biweekly Pay-in-4, and longer monthly installment plans. Cherry sets the terms you're offered.
Which treatments can I finance, and is there a minimum amount?
You can use Cherry for any service, package or membership at our clinic, including weight loss, IV therapy, aesthetics, laser, body contouring, HOCATT and more. Cherry financing amounts range from a $200 minimum up to a $65,000 maximum, subject to approval.
Is there a penalty if I pay off my plan early?
No. Cherry states there are no prepayment penalties, so you can pay off your payment plan early at any time. Cherry also advertises no hidden, deferred or compounding interest.
Are there any fees I should know about?
Possible fees include a late fee of up to $30 if a payment isn't received within about 10 days of its due date, an NSF/returned-payment fee of up to $30, and a 2.99% processing fee if you pay with a credit card. Some fee details can vary by state. Review your specific plan terms from Cherry before you agree.
Who sets my financing terms, the clinic or Cherry?
Cherry sets your terms, not the clinic. Cherry is a financial technology platform (not a bank or lender), and financing is originated through Cherry's lending partners. Your rate, term and approval are determined by Cherry based on your eligibility.
Can I combine financing with HSA, FSA or a membership? And how do I apply?
Depending on the service, you may be able to use HSA/FSA funds or a membership alongside self-pay; eligibility depends on your plan. To apply for Cherry, use the link the clinic provides or apply in-office. For help getting started, call the clinic at (877) 885-8784.
Treatments & Resources You Can Explore
Ready to Start? Check Your Cherry Rate in Seconds
See the plans you may qualify for with a soft credit check that won't affect your credit score. Approval and terms are determined by Cherry and subject to eligibility.
Payment options through Cherry are provided by Cherry's lending partners and are subject to credit approval. Terms, APR (0%-35.99% depending on plan and creditworthiness) and eligibility are determined by Cherry, not the clinic. See withcherry.com for details.