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Financing

Accessible Dental Care
for All, Always

Dental care is not a luxury. A clean, comfortable, healthy mouth should not be reserved for only some of our community. That is why we have partnered with Cherry so that the cost of your treatment is never the reason why you put dental care off another day, month, year, or more.

Farah Family Dental financing patient
Approval In About 60 Seconds Patients often see options before leaving the chair.
Credit Check No Impact to Apply A soft inquiry means checking will not affect your credit score.
Plans From 3 to 60 Months Pick a payment that fits your monthly budget, not ours.
Promotional APR 0% Options Qualifying plans may be available with no interest if paid as agreed.
Insurance & Financing

Health & Wellness Isn’t
A Premium Add-On

For four decades, we have watched good people delay good care for one reason: the bill. At our practice, we do not accept that as the way it has to be.

“We never want a patient to look at a treatment plan and feel like they have to choose between their mouth and their mortgage.”

A cleaning, a filling, or a crown that has been waiting two years—these are not luxuries. They are the everyday upkeep of a body that has to last a lifetime. Your mouth is part of the rest of you, and when we let small problems sit, they almost never get smaller.

So we have partnered with Cherry to do something simple: break your costs into pieces that fit a real budget. No big down payment. No emotional drama. And never again watching a patient walk out the door because the number on a piece of paper felt impossible.

If you have ever skipped an appointment because of money, or sat in another office hearing a quote and silently calculating what you would have to give up to say yes, please know that you can come to our practice. We will talk through every option openly, including the one where you only address what is urgent today and come back for the rest when you can.

This is not a sales pitch. It is simply how we would want our own families treated.

Meet Our Financing Partner

Built for Patients,
Not Banks

Cherry is a patient-financing platform designed specifically for healthcare and dental practices. Their job is to make “yes” a reasonable answer by spreading care across manageable monthly payments, with plans that do not punish you with a giant balloon at the end.

For our practice, we chose Cherry because their application process is gentle, the math is plainly explained, and the approval rates are higher than the legacy options we have used in the past. The whole experience takes less time than scheduling a cleaning.

  • A soft credit check, not a hard one

    See your real terms before committing. Checking will not affect your credit score.

  • Apply right from your phone, in under 60 seconds

    From the waiting room, parking lot, or couch. No paperwork, no fax machine. It is really that easy from wherever you are.

  • Plans from 3 to 60 months

    Including 0% promotional APR options for qualifying applicants. Pick the term that fits your life.

  • No prepayment penalties, ever

    Pay it off early, in chunks, or on a tax return. Whatever you want. You are never punished for it.

  • Higher approval than legacy lenders

    Cherry’s underwriting was built for healthcare. Many patients turned down elsewhere are approved here.

Your approval is subject to Cherry’s credit approval. Rates and terms vary. See Cherry’s website for full details.
How Financing With Cherry Works

From Quote to First Payment, Simply

Step 01

We build your treatment plan, together

After your exam, we walk through every option in plain language: what is urgent, what can wait, and what the premium choice is versus the practical one. You leave with a real number, not a guess.

Step 02

You apply with Cherry, right from your phone

Soft credit check, basic information, and about a minute. We can text you the application link from the front desk, or you can do it later at home. Either way, no paperwork.

Step 03

Pick a term that fits your budget

3, 6, 12, 24, 36, 48, or 60 months. The choice is yours. Cherry shows you the monthly payment side by side for each, so you can choose what actually works.

Step 04

Schedule treatment, and start care

No waiting on paperwork. Once you are approved and the plan is chosen, we get you on the books, sometimes the same week. Cherry handles the rest behind the scenes.

Frequently Asked Questions

Money Questions, Answered Simply

A few quick answers about Cherry, credit, insurance, and how it all fits together.

Call Us: 508-754-9155
Does applying with Cherry hurt my credit?

No. Cherry uses a soft credit inquiry to determine your options, which does not affect your credit score. You’ll see your real available terms before you commit to anything — and if the numbers don’t work for you, you’re not obligated to move forward.

What if I have less-than-perfect credit?

One of the reasons we chose (and love) Cherry. Their underwriting was built specifically for healthcare and tends to approve patients who get turned down by general lenders. Your terms may differ, but the answer is more often “yes” than people expect. The only way to know is to look, and looking is free.

Can I use insurance and Cherry together?

Absolutely, and we recommend it. We file your insurance claim first, apply any benefits to your treatment, and then Cherry handles whatever portion is left. You get the value of your plan and the flexibility of monthly payments.

Is there a minimum or maximum I can finance?

Cherry currently supports financing for treatment amounts roughly from $200 up through $30,000+, with plan lengths from 3 to 60 months. Whether you’re paying for a single visit or a multi-phase smile rebuild, we’ll find a structure that fits.

Are there fees or penalties I should know about?

Cherry does not charge prepayment penalties — pay it off as fast as you’d like. Some plans include interest based on your credit profile, and some plans qualify for 0% promotional APR. You’ll see the full terms before you sign anything, and our front desk is happy to walk through them with you line by line.

I’d rather not finance. What are my other options?

Sadly, we don’t finance. We do however accept cash, check, all major credit cards, HSA/FSA cards, and we’re glad to split larger plans across multiple visits in the office. The goal here is care that fits your life — by whatever payment path makes sense.

Can my family members apply on my behalf?

Yes. Cherry allows a parent, spouse, or guardian to finance treatment for someone else — common for parents financing orthodontics or implants for older children, or adult kids helping a parent through a complex case. The application is in their name; the care is in yours.

Farah Family Dental financing patient
Ready When You Are

You Never Should Have
To Put Off Dental Care

We’d genuinely rather you came in and we work the money out together than have you spend another day wondering. Apply today with Cherry from your phone, give us a call, or just show up at our practice and we’ll figure out the rest, together.

Call or text to book: 508-754-9155

Mon–Thurs: 7:30am to 5pm    Friday: 7:30am to 12pm
Sat–Sun: Emergencies Only

+ For Emergencies