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.

Yes, Cherry may report the status of our borrowers' accounts to Equifax, one of the major credit bureaus.

To request a refund, please contact Tooth & Co. directly. We defer to the refund policies put in place by Tooth & Co. and cannot initiate a refund without their approval. Once Tooth & Co. authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and [...]

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.

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.

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

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.

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