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Payment Plan FAQ's
Absolutely! If you keep your account current, you may redeem the remaining balance. For example, if you’re approved for $1,000 and only use $500, you may go back and use the remaining $500 as long as you continue to make payments on time.
Also, by establishing a good borrower history with Cherry and paying your contracts off completely, you can make your full approval amount available again.
Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus
Once you have a contract with Cherry, we may report repayment information about your account to the consumer reporting agencies. Contracts that are marked as delinquent may have a negative impact on your credit score.
No! Your account will not be charged any fees or penalties if you pay early.
Also, if you pay off your account before the final payment is due, you won’t pay any interest that would accrue over the rest of the contract, saving you money.