Applying for Cherry involves a soft credit check, which does not impact your credit score. Once your payment plan is confirmed, Cherry typically begins reporting your payment plan to the credit bureaus after 30 days.

The impact of your active payment plan on your credit report may vary depending on each credit bureau.

To apply for Cherry, you must:

• Be 18 years or older
• Reside in the United States
• Have a bank-issued debit or credit card (prepaid cards are not accepted)
• A mobile phone (to receive your checkout link and complete the process)

Approval length may vary by provider, but approvals always last for at least 30 days. To see when your approval expires, go to the Applications page in your account.

Increased approval amount and the decision are subject to eligibility.

Visit the Applications page in your account and select “Request a Larger Approval” (if available for your approval) to see if you are eligible.

The finance charge is the total amount of interest you’ll pay over the life of your payment plan, assuming all payments are made on time. This amount is included in your monthly payments.