The cost of dental care is one of the most common reasons families put off treatment, and it is a concern we hear from parents often. Whether your child needs a routine procedure or something more involved, the last thing we want is for the price to stand in the way of getting them the care they need. At Mission Peak Pediatric Dentistry, we offer financing through Cherry, a patient-friendly platform that gives families real options for spreading the cost of care over time. Our goal is to make sure every child in Fremont has access to the treatment they need, when they need it.
Cherry is a point-of-sale patient financing platform that Mission Peak Pediatric Dentistry uses to help families manage the cost of dental care without delay. Rather than requiring full payment upfront, Cherry allows you to split the cost of treatment into manageable monthly payments, with plan options that can fit a wide range of budgets and timelines. The application is fully digital and can be completed from any device, making it easy to get started before or during your child’s visit.
Cherry offers some of the most accessible approval terms available in patient financing. Approval decisions are based on a soft credit check, which means applying will not affect your credit score. The platform has an approval rate above 80%, and approved amounts can reach up to $50,000. Once approved, the practice receives payment within 2 to 3 business days, and Cherry handles the repayment arrangement directly with you. Key features of financing through Cherry include:
Beyond Cherry, we also accept HSA and FSA accounts for out-of-pocket dental expenses. These accounts can be applied toward co-pays, deductibles, and any services not fully covered by your dental insurance plan, giving families an additional way to manage costs with pre-tax dollars.
Applying for financing through Cherry is straightforward, and most families complete the entire process in just a few minutes.
We will walk you through your options and make sure you have everything you need to get started with the Cherry application before any treatment decisions are finalized.
You can apply from your phone, tablet, or computer. The process uses a soft credit check, so your credit score will not be affected by submitting an application.
Once approved, you will be able to see your available plan options, including payment timelines and any qualifying 0% APR offers, so you can choose the arrangement that works best for your family.
There is no need to wait or reschedule while payment is arranged. Cherry handles the repayment directly with you, and our practice receives payment within 2 to 3 business days so care is never held up by billing logistics.
While financing through Cherry is available to any family regardless of insurance status, we also want uninsured families to know about our in-house membership plan. Fremont is home to many self-employed residents and families whose employers do not offer dental benefits, and the membership plan was designed specifically for those families. It provides access to preventive care, exams, x-rays, and fluoride treatments at a predictable monthly rate, with no waiting period and no annual deductible.
Cherry and the membership plan can work together for families who need ongoing preventive care as well as occasional restorative treatment. The membership plan covers routine preventive visits, while Cherry can be used to finance any restorative procedures, like fillings or crowns, that fall outside the plan’s included benefits. This combination gives uninsured families a practical path to keeping up with their child’s dental health without facing high out-of-pocket costs all at once.
If your family carries dental insurance but your plan does not cover the full cost of a procedure, financing through Cherry may still be a helpful option to cover the remaining balance. Our team is happy to talk through what your specific plan covers and where Cherry could fill in the gaps before any treatment begins.
Financing questions are common, and we want families to feel confident about their options before committing to any plan.
No. Cherry uses a soft credit check during the application process, which means submitting an application will not have any impact on your credit score. This makes it easy to explore your options without any risk to your credit, even if you are not sure yet whether financing is the right choice for your family.
Cherry’s approval rate is above 80%, so most applicants are approved. If your application does not result in an approval, our team can discuss other options, including payment with an HSA or FSA account or enrollment in our in-house membership plan, which provides access to preventive care at a low monthly rate with no credit check required.
Yes. Cherry can be used to cover costs that your insurance plan does not fully pay for, including deductibles, co-pays, and procedures that fall outside your plan’s covered benefits. Our team can help you understand what your insurance will cover and how Cherry could be applied toward any remaining balance so you have a clear picture of your total out-of-pocket costs before treatment begins.
