Start Your Treatment Plan Now. Pay Over Time.
Below Zero offers financing through Cherry and CareCredit for qualifying treatment packages. Explore your options, estimate monthly payments and apply online before your visit.
Cherry or CareCredit
Both options may help divide eligible treatment packages into manageable payments, but they are different financial products with different approval requirements and terms.
Apply Directly Through Below Zero
Cherry offers installment plans for qualified applicants. Available APRs and term lengths are based on individual eligibility.
- Qualifying 0% APR options may be available
- Terms may extend from short plans up to 60 months
- Eligibility and approval are not guaranteed
- Review your personalized options before accepting
Apply for the CareCredit Credit Card
CareCredit may offer deferred-interest promotional financing on qualifying purchases at enrolled providers.
- Qualifying promotions may include 6, 12, 18 or 24 months
- Minimum monthly payments are required
- Promotional balance must be paid in full by the deadline
- Subject to approval and cardholder terms
Estimate a 0% Monthly Payment
Enter a package amount and select a term to see a simple 0% payment example. This calculator is for planning only and does not represent an approval or guaranteed financing offer.
This estimate assumes 0% APR, no fees and equal payments. Actual financing may require a down payment and may include interest. CareCredit promotional financing may use deferred interest rather than a standard 0% APR structure.
Example Monthly Payment
$83.33 per month for 12 monthsReview Your Personalized Cherry Options
Use the official Cherry widget below to learn how it works, estimate financing and begin your application with Below Zero LLC.
Questions About Payment Plans
Which treatments can be financed?
Financing is generally most useful for qualifying CryoSkin, TEC Body Shape and combination treatment packages. Final eligibility depends on the provider and approved transaction.
Does Below Zero guarantee 0% financing?
No. Qualifying 0% options may be available, but they are not guaranteed. Your available APR, payment, down payment and term depend on approval and the financing provider’s current offers.
What is the difference between Cherry and CareCredit?
Cherry provides installment plans with personalized terms. CareCredit is a revolving credit card that may offer deferred-interest promotional financing on qualifying purchases.
What does deferred interest mean with CareCredit?
Interest accrues from the purchase date and is charged if the promotional balance is not paid in full by the end of the promotional period. Minimum payments alone may not pay it off in time.
Are 6-, 12-, 18- and 24-month options available?
CareCredit may offer qualifying deferred-interest promotions for those periods. Cherry term availability varies by applicant and may include other lengths. Available terms are shown during the application process.
Will the payment estimator match my actual payment?
No. It is a simple 0% planning example. Actual payments may differ because of APR, down payment, fees, financed amount and approved term.
Can I pay a financing plan off early?
Review your financing agreement for the exact terms. Cherry states that its plans have no prepayment penalties, while CareCredit cardholders can make additional payments at any time.
Can I use financing for a single first-time treatment?
Provider minimums and financing requirements apply. Financing is often most useful for treatment packages rather than lower-cost introductory sessions.
Do I apply before or after my consultation?
You may review or apply before your visit, but a consultation can help determine the right package amount before you accept financing.
Who handles approval and account servicing?
Cherry and CareCredit make credit decisions and service their respective financing products. Below Zero does not control approvals, APRs or available terms.
Choose Your Treatment Plan and Payment Option
Explore our treatments, schedule your consultation or review your financing options before booking. Our team can help you understand package choices, but all credit decisions and financing terms come directly from Cherry or CareCredit.