Insurance Plans We Accept
We accept most major insurance plans and are happy to assist in verifying your coverage and maximizing your benefits. Our team will work with your insurance provider to ensure you get the most out of your plan. Have questions about your coverage? We're here to help you navigate the details.
Explore Our Network of Insurances
Get Care Now,Pay Later with Cherry & Divine Smiles PC
Let your money go further and take better control of your cash flow when you pay over time in smaller installments with Cherry.
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 patient portal.
More Questions?
Visit Our Help Center
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: www.withcherry.com/lending-partners. See www.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
How does Cherry work?
Apply for a Cherry Payment Plan in seconds, without impacting your credit score.
Apply
Ask your practice for their unique Cherry application link or find it online.
Get Care
Use your approved Cherry funds to pay for your treatment. When you’re ready to pay, your practice will send you a checkout link.
Pay Over Time
Choose a plan length that fits your budget, with qualifying 0% APR options.*
*0% APR and other promotional rates subject to eligibility.
Frequently Asked Questions
How long is my approval valid for?
Approvals are valid for 120 days. Once that time period expires, you are welcome to reapply.
Can I increase my approval amount?
If you are eligible for an increase, you may request this through the Cherry Patient 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.
Can I pay this off early?
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.
How much is my down payment and when is it due?
Once you input your purchase price, you’ll be provided with the options you have for down payment. It is due when the practice 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 Pre-Paid Debit Card or Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.How are refunds handled?
To request a refund, please contact Divine Smiles PC directly.
We defer to the refund policies put in place by Divine Smiles PC and cannot initiate a refund without their approval.
Once Divine Smiles PC 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.
Can missing payments on my account with Cherry hurt my credit?
Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other delinquencies on your account to the credit bureaus.
Divine Smiles
Your oral health and comfort are our top priorities. Whether you have a question, need to schedule an appointment, or want to learn more about our services, we’re here for you!
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