How to Get Pre-Approved with Cherry Financing

📝 Before You Start:
To speed up your Cherry application, please have the following ready:

📱 Your mobile phone (to receive a verification code)
🧾 A bank-issued credit or debit card
🔢 Your full Social Security Number
🪪 A photo ID (like your driver’s license)
💼 A recent pay stub or bank statement (may be required for income verification)

Having these ready will help you complete your application without interruptions.

Step-by-Step Guide to Apply For Cherry Financing

Cherry makes it easy to split your medical costs into monthly payments — but the application process requires a few important steps. Here’s exactly how to get pre-approved in just a few minutes.

Step 1 – Confirm Eligibility

When you click the Cherry application link, you’ll first see a quick eligibility checklist. To qualify, you must:

Be 18 years or older
Have a valid credit or debit card issued by a U.S. bank

Click Next to continue.

Step 2 – Verify Your Phone Number

Cherry will ask for your mobile number to begin. You’ll receive a text message with a 6-digit code. Enter that code to proceed with your application.

💡 Tip: Make sure you have access to your phone right now — this step must be completed in real time. Do not apply for cherry financing unless you have your mobile phone handy.

Step 3 – Provide Your Social Security Number

To check your eligibility, Cherry will ask for your full Social Security Number (SSN). This is used for a soft credit check — it does not affect your credit score.

Once entered, click the button to check your eligibility.

Step 4 – Get Pre-Approved Instantly

Most patients receive a pre-approval decision in seconds. You’ll see the amount you’re approved for, and several payment plan options. If you see this step, you can either contact our office directly and ask for a checkout link, or one of our staff will call you to finish your payment plan. For most this will be the final step to apply for cherry financing.

Step 5 – Upload Documents (If Requested)

Some patients will be asked to verify their income before proceeding. If Cherry requests additional info, you’ll need to upload:

📸 A photo of your driver’s license
🧾 A recent pay stub or bank statement
💳 Your debit or credit card info

These documents help Cherry verify your identity and confirm your ability to make payments. We’ve noticed that this is a frequent barrier for patients when they apply for cherry financing. This is why we ask that you have these income verification documents ready just in case you are asked for them.

Step 6 – Accept Your Plan and Finalize

Once approved, let a staff member at Innovations Medical know how much you want to run your payment plan for. They will send you a check out link, and you are done! After that, your plan is active and ready to use at Innovations Medical. You can then schedule your surgery!

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