HFD vs Cherry
Two patient payment plan options and how they differ.
Updated September 20Checked against HFD's published terms
HFD and Cherry both help patients pay over time, but they're built differently. Cherry is a lender that handles everything for the practice and offers up to $65,000 over 1 to 60 months. HFD offers plans up to 84 months with a 99%+ approval rate, and lets practices shape their own financing programs.
Key facts
- HFD's dental program lists terms up to 84 months and coverage up to $35,000.
- Cherry lists financing up to $65,000 over 1 to 60 months.
- HFD reports a 99%+ approval rate.
- HFD uses a soft credit check only.
- Both are offered only through participating providers.
HFD vs Cherry side by side
HFD offers longer terms and near-universal approval, while Cherry offers larger amounts.
| HFD | Cherry | |
|---|---|---|
| Model | Platform that powers provider financing programs | Direct lender that handles everything |
| Maximum amount | Up to $35,000 (dental) | Up to $65,000 |
| Plan length | Up to 84 months (dental program) | 1 to 60 months |
| Approval | 99%+ reported | Based on its own underwriting |
| Credit check | Soft only | Check current terms |
| Consistency | Can vary by practice setup | More standardized |
What the difference means for you
Because HFD programs can be customized at the practice level, your approval steps and terms can differ from one office to another. Cherry's experience tends to be the same everywhere. For you as a patient, the practical question is simple: which one does your provider offer, and which gives you the better monthly payment?
Which one fits you?
Your credit and treatment cost decide whether HFD or Cherry fits better.
- HFD suits lower credit scores and anyone who wants the longest possible term.
- Cherry suits larger treatment costs above HFD's limits.
Compare with HFD vs CareCredit or see all alternatives.
Payment example: 60 vs 84 months
On a $9,000 treatment at 0%, a 60-month plan is $150 a month, while an 84-month plan is about $107 a month. The longer term lowers your payment, which is where HFD's extra 24 months can help.
Questions to ask your provider
Ask your provider these questions before choosing HFD or Cherry.
- Which financing options do you offer?
- Can I check more than one without affecting my credit?
- Who do I contact about refunds if treatment changes?
- Are there fees for paying by credit card?
Disputes and support
HFD says it sides with patients in disputes about care and helps with repayment unless the provider shows the patient didn't follow the dispute policy. It offers phone support six days a week plus live chat.
Which one is easier to use?
Both apply through your provider and give decisions quickly. HFD shows offers within seconds and lets you choose your due date. Your provider's setup affects the experience, so ask the office which option most of their patients use.
Bottom line
If your provider offers both, check HFD first since its soft check won't affect your credit. Pick Cherry if you need a larger amount than HFD approves, and pick HFD if you want the longest term or have lower credit.
Common questions
Which offers longer plans, HFD or Cherry?
HFD, with plans up to 84 months on its dental program. Cherry offers 1 to 60 months.
Which covers larger amounts?
Cherry lists financing up to $65,000.
Is HFD a lender?
HFD provides the platform and servicing that let practices offer financing programs; its bank loan program is issued by Hatch Bank.
Can I check HFD without hurting my credit?
Yes. HFD uses a soft credit inquiry only.
Sources
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