Cherry Payment Plans

Surgical Care, Made Accessible. Now made even more flexible. Your pet’s surgical care comes with decisions. Having another way to manage the cost can give you more options to consider.

Spay Neuter Vets offers Cherry Payment Plans, allowing eligible pet owners to spread treatment costs over time. Explore the available options and decide whether a plan works for you.

Questions about your pet’s procedure? Contact Our Team!

More options for planning your pet’s care

Whether you’re preparing for a spay or neuter or considering another surgical procedure, understanding the cost is part of planning for your pet’s care.

Cherry offers a payment-over-time option for eligible treatment. If approved, you can review your available repayment terms before choosing a plan. Qualifying 0% APR options are available, but not every offer is interest-free.

Cherry is financing—not pet insurance or a treatment discount. You remain responsible for repaying the financed amount, along with any interest and applicable fees described in your agreement.

How it works

1. Apply through Spay Neuter Vets
   Use our Cherry application link to get started. Applying involves a soft credit check that does not affect your credit score.*

2. Review your available options
   If approved, you can preview payment options in your Cherry account. Review the installment amounts, repayment schedule, APR, and total repayment amount before deciding whether to proceed.

3. Coordinate your pet’s care with our team
   Contact Spay Neuter Vets about your pet’s procedure and let us know you would like to use Cherry. Applying for financing does not reserve a surgery appointment or determine whether a procedure is appropriate for your pet.

4. Complete checkout and manage your plan
   Our team will send a Cherry checkout link to your phone. Through that link, you can review the final offer, choose your plan, and make the required initial payment. You’ll manage ongoing repayments through Cherry.

What to know before choosing a plan

We want you to feel informed about both your pet’s care and the payment option you select.

Before accepting a Cherry offer, review these details:

• Approval and terms: Eligibility is not guaranteed. Available plans and interest rates depend on your individual offer.

• Initial payment: A down payment is required at checkout to start your plan. The amount depends on the purchase and repayment term selected.

• Interest and total cost: Check the APR and total repayment amount—not only the installment amount. For qualifying 0% APR offers, delinquency may cause interest to apply going forward.

• Payment-method fees: Credit-card payments carry a 2.99% processing fee. Traditional bank-linked debit-card payments do not carry that processing fee.

• Credit reporting: Applying does not affect your credit score, but an active payment plan is reported to credit bureaus. Late or missed payments may negatively affect your credit.

• Other possible fees: Late-payment or insufficient-funds fees may apply under your agreement.

Take the time you need to review your agreement. A payment plan should fit your circumstances and be a choice you understand.

The same surgical focus. A little more flexibility.

At Spay Neuter Vets, surgical care is at the heart of what we do.

Our clinic provides spay and neuter procedures alongside a broader range of outpatient surgical services for dogs and cats. Our commitment remains the same: focused care and clear communication to help you understand the next steps for your pet.

Cherry adds an option to the financial side of that process. It does not change our clinical recommendations or replace an assessment of your pet’s needs.

Learn more about our Surgical Services.

Frequently asked questions

Will applying affect my credit score?

No. Cherry uses a soft credit check during the application process, which does not affect your credit score.

If you activate a payment plan, Cherry reports repayment activity to credit bureaus. Late or missed payments may affect your credit.

Are interest-free options available?

Yes, qualifying 0% APR options are available. However, not every applicant or repayment term qualifies. Review your individual offer and agreement before accepting a plan.

What do I need to apply?

Cherry’s application requirements include being at least 18 years old, residing in the United States, having a mobile phone, and having a bank-issued debit or credit card. Prepaid cards are not accepted for the initial payment. Meeting these requirements does not guarantee approval.

Does applying book my pet’s surgery?

No. Contact Spay Neuter Vets separately to discuss your pet’s procedure and arrange an appointment. Cherry handles financing; our team handles your pet’s care and scheduling.

Can I pay off my plan early?

Yes. Cherry allows early repayment without prepayment fees or penalties. You can manage payments through your Cherry account.

What if my pet’s treatment is canceled or changed?

Contact Spay Neuter Vets promptly so we can review the treatment change and any applicable billing adjustment.

Do not assume that changing or canceling treatment automatically closes your Cherry plan. Confirm the status of your financing and scheduled payments with Cherry.

Who should I contact with questions?

For questions about procedures, treatment estimates, scheduling, or billing adjustments, contact Spay Neuter Vets.

For questions about your financing agreement, account, or repayments, contact Cherry through its consumer Help Center or email support@withcherry.com.

Explore your options for your pet’s care

Start with the information you need. Our team can help you understand the next steps for surgical care, and Cherry lets you explore whether an available payment plan fits your circumstances.