Financing

The Treatment You Want Shouldn't Wait on the Timing of Your Paycheck

The right treatment plan is about your goals, not your bank account’s timing. That’s why Specialty Wellness offers flexible financing options through CareCredit and Cherry, so you can start your treatment now and pay over time in a way that fits your budget.

CareCredit

CareCredit is a healthcare credit card built specifically for health, wellness, and beauty expenses.

It’s accepted at hundreds of thousands of provider locations nationwide, so it can be used for treatments here at Specialty Wellness and beyond.

Checking whether you prequalify uses a soft credit check and does not affect your credit score. If you choose to move forward with the full application, that step involves a hard credit inquiry, which may affect your credit score, similar to applying for any other credit card.

Cherry

Cherry is a payment plan solution built specifically for health, beauty, and wellness treatments.

Cherry offers a fast application process with a soft credit check, meaning checking your eligibility won’t affect your credit score.

Approved patients can choose a payment plan that fits their budget, including options with 0% APR for qualifying applicants, and get instant access to funds at the time of treatment.

Why Consider Financing?

Four reasons patients choose to finance their treatment

01

Start Treatment Sooner

Rather than waiting to save up, financing allows you to begin your treatment plan right away.

02

Flexible Monthly Payments

Both CareCredit and Cherry offer plans designed to fit a range of budgets, breaking the cost of treatment into manageable payments.

03

Simple, Fast Application

Both options offer quick online applications with decisions typically available within minutes.

04

No Impact to Check Eligibility

Both CareCredit and Cherry use a soft credit check to determine eligibility, so checking your options won’t affect your credit score.

How It Works

From application to appointment in four simple steps

Apply Online

Click the CareCredit or Cherry link above to apply directly.

Get an Instant Decision

Most applicants receive a decision within minutes.

Choose Your Plan

Select the payment plan that best fits your budget and goals.

Book Your Treatment

Once approved, schedule consultation and start your treatment plan.

Will applying affect my credit score?

Checking your eligibility with Cherry uses a soft credit check and does not affect your credit score. For CareCredit, prequalification is also a soft check with no impact to your score; however, if you proceed with the full CareCredit application, that step involves a hard inquiry, which may affect your credit score.

What treatments can I finance?

Financing can generally be used for any treatment or service offered at Specialty Wellness. Ask your provider during your consultation if you have questions about a specific treatment.

How do I apply?

You can apply directly through CareCredit or Cherry online before your appointment, or our team can help walk you through the process during your visit.

Do I need good credit to be approved?

Both CareCredit and Cherry consider a range of factors beyond a single credit score, and approval amounts and terms vary by applicant. We recommend applying directly to see your personalized options.

Can I combine financing with membership pricing?

Ask our team during your consultation. We’re happy to help you find the option that works best for your goals and budget.