Example payments for $750
0% APR and other promotional rates subject to eligibility. See footer for details.
It only takes 60 seconds to complete the application
Use your approval to pay for your treatment
Choose a plan length that fits your needs with 0% APR options
What is Cherry? Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
Approvals are valid for days. Once that time period expires, you are welcome to reapply.
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.
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.
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.
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.
*Making payments via Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional bank-issued Debit Card.
To request a refund, please contact Oakland Park Animal Hospital directly.
We defer to the refund policies put in place by Oakland Park Animal Hospital and cannot initiate a refund without their approval.
Once Oakland Park Animal Hospital authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly.
If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.
Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.
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.
These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. For example, a $400 payment plan with Cherry may cost $100/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase. Not every provider that uses Cherry will offer the payment plan terms listed above.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. See withcherry.com/terms for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.
Cherry is committed to making our product accessible. For our accessibility statement and feedback form, see withcherry.com/accessibility.
Copyright © 2020-2026 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.
Your pet needs care, and the bill lands at a hard moment. Maybe it’s a dental cleaning that turned up more than expected, or a surgery you didn’t plan for this month. At Oakland Park Animal Hospital, we hear this every week from pet parents across Oakland Park and Fort Lauderdale, and we never want cost to be the reason your pet goes without the care they need.
Dr. Spencer Ratnoff has led our practice for over 40 years, and in that time, he has built it on one simple idea: your pet is our pet too. We know South Florida is an expensive place to call home, and we know pet parents are juggling rent, groceries, and a dozen other bills alongside vet visits. That’s why we offer Cherry financing, so you can get your pet the care they need now and pay for it in a way that works for your budget.
Cherry gives you a simple way to split the cost of your pet’s care into manageable monthly payments. You apply directly through our website or in person at our office, and approval decisions come back quickly, often within minutes. If you pay within your plan’s promotional window, you may qualify to pay no interest at all, which means the total cost of care can stay close to what you’d pay upfront.
We started offering Cherry because our long-time clients asked for more flexibility, and it has quickly become one of the financing options our pet parents choose most. We still offer CareCredit as well, because some families have used it for years and prefer to stick with it. Between the two, most pet parents find an option that fits their situation.
We believe every family deserves the choice to care for their pet the way they want to, not the way their bank account allows in any given month. Recent data from the American Veterinary Medical Association shows just how common this struggle has become nationwide, with cost cited as the top reason pet parents put off routine visits or decline recommended treatment. The average reported cost of a veterinary visit reached $200 in 2025, and for many households, an unexpected diagnosis or procedure can add up fast.
We do not want that pressure to fall entirely on you in one payment. Whether it’s a wellness exam, a dental procedure, or a surgery your pet needs right away, Cherry financing lets you break that cost into pieces you can plan around. We also offer in-house alternatives like our membership discounts and our Stay Well Pet Plan, which spreads out routine preventive care costs across the year through an annual membership.
Because we are an owner-operated, cash-based practice rather than a corporate chain, we can work with you directly on how to structure payment for your pet’s treatment. Dr. Ratnoff and our team often talk through options with families in real time, whether that means splitting an annual wellness package into two visits or walking you through how Cherry’s approval process works before you commit to anything.
This flexibility matters because we never want a pet to wait on care they need. Same-day appointments and walk-ins are part of how we operate, and financing options like Cherry mean that when your pet needs us, the conversation can stay focused on their health rather than on how you’ll cover the bill that day.
Not every use of Cherry financing comes from a surprise. Sometimes you already know your pet needs a bigger procedure, like a dental cleaning with extractions or an orthopedic surgery, and you would rather plan the payments in advance than scramble once the bill arrives. Cherry works for both situations.
If Dr. Ratnoff recommends a procedure that is not urgent, our team can walk you through the estimated cost before you schedule anything, and you can apply for Cherry ahead of time to see what your monthly payment would look like. That way, you are deciding on your pet’s care based on what is medically right for them, not on whether you can pull together the full amount by a certain date.
Applying takes just a few minutes. You’ll provide some basic information, and Cherry lets you know if you’re approved, along with the credit line and terms available to you. From there, you can use that approved amount toward the visit or procedure your pet needs at our practice.
We’re happy to walk you through the application in person if you’d rather not do it from home, and our front desk team can answer questions about how the payment schedule works for your specific situation. There’s no obligation to use the full approved amount right away, so it can also serve as a resource you have ready if your pet needs unexpected care down the road.
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