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Flexible Financing

Get the care you want now — pay over time.

Total Medical & Wellness partners with Cherry so you can start your treatment today and split the cost into simple monthly payments — with no hard credit check just to see your options.

See if you qualify → Request an Appointment
No hard credit checks
See options, score-safe
0% APR options
For qualified plans
60-second apply
Fast, online decision
No hidden fees
Know your terms up front
Simple & fast

How financing works

Four easy steps from “I want this” to care you can actually budget for.

1

Check your options

Pre-qualify in about a minute. It won’t affect your credit score.

2

Pick your plan

Choose the monthly payment and term that fit your budget — including 0% APR options.

3

Get your care

Move forward with your treatment right away — no waiting and saving up first.

4

Pay over time

Make simple monthly payments and manage everything online with Cherry.

Why finance with us

Care today, on your terms

Don’t put off the care you need because of timing. Financing makes it manageable.

Start care today

Begin your weight-loss, hormone, IV or aesthetic plan now instead of waiting.

Keep your budget intact

Spread the cost into predictable monthly payments that fit your life.

No surprises

No hard credit check to see options, no hidden fees, and clear terms up front.

Quick & private

Apply online in about a minute — a simple, secure decision in seconds.

Ready when you are

See what you could pay

Check your options below — it only takes about 60 seconds and won’t affect your credit score.

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Good to know

Financing questions, answered

The details on how patient financing works at Total Medical & Wellness.

Will checking my options affect my credit score?
No. Seeing what you pre-qualify for uses a soft inquiry, so it never affects your credit score. You can review your options with no obligation before deciding anything.
What can I use financing for?
Financing can be applied to most of our services — including medical weight loss, hormone therapy (TRT & BHRT), IV therapy, aesthetics, and other treatment plans. Ask our team and we’ll help you apply it toward your care.
What are the rates and terms?
Qualified patients can access 0% APR plans, and interest-bearing plans start with APRs as low as 5.99%. Your exact rate, term, and monthly payment are shown in the application based on the amount you finance — with no hidden fees.
How fast is approval?
Most people get a decision in about 60 seconds. The whole application is online — no paperwork, no waiting on a phone call.
Is there any down payment or prepayment penalty?
A small down payment may apply depending on the plan you choose, and it’s shown clearly before you confirm. There are no hidden fees, and you can pay your balance off early without penalty.
How do I make my payments?
Everything is managed online through Cherry, our financing partner. You can view your balance, see your schedule, and make payments anytime from your phone using the “Manage your account” option above.
Ready to get started?

Start your care today

Check your options in about a minute — with no hard credit check — or reach out and we’ll walk you through it.

See if you qualify → Request an Appointment

Patient financing is provided by Cherry Technologies, Inc. (NMLS #1750929), not by Total Medical & Wellness. 0% APR and other promotional rates are subject to eligibility and are not available to all applicants. Payment options through Cherry are issued by lending partners; see withcherry.com/lending-partners and withcherry.com/terms for details. Actual rates, terms, and down payment depend on your application and creditworthiness. Total Medical & Wellness does not make credit decisions and is not a lender.