Payment Options
0% Financing
Start your treatment plan now and pay on a schedule that works for you. Two lenders, 0% interest options with approval, and checking your rate takes a minute and does not touch your credit score.
Apply in about a minute
Apply with Cherry
0% interest options · Low down payment · Approval in seconds
Built for aesthetic and elective treatments. Checking your rate takes about a minute and uses a soft credit check, so it does not affect your score. If you qualify for a 0% plan, the amount you pay in total is the amount of your treatment — no interest added.
Apply with PatientFi
No impact to credit score · High approval odds · Flexible terms
A second option, and worth trying if Cherry does not come back with terms you like. PatientFi tends to have high approval odds and a range of term lengths, so you can stretch a larger treatment plan over more months to bring the monthly figure down.
How it works
You apply directly with the lender, not with us — it takes a couple of minutes on your phone and you can do it before your appointment or while you are sitting in the chair. You get a decision in seconds, and if you are approved you pick the term length that makes the monthly figure comfortable.
Checking your rate is a soft credit check with both of our lenders, which means it does not affect your credit score. That is worth knowing, because it costs you nothing to find out what you qualify for before deciding whether to use it.
At your visit we run the treatment as normal and the lender pays us. From then on your payments go to the lender on the schedule you chose. Nothing about your treatment, pricing or provider changes because you financed it.
What financing is genuinely useful for
Single-syringe visits and touch-ups usually do not need it. Where financing actually earns its keep is treatment plans that are priced as a series, because paying for three sessions up front is a different conversation to paying monthly.
- A laser resurfacing series — MultiFrax or CO2, three sessions four to six weeks apart
- A microneedling series for acne scarring, typically three to six treatments
- Laser hair reduction across several areas, which runs six to eight sessions
- Multiple syringes of dermal filler in one visit
- Combining treatments — for example filler plus a peel plus a Botox appointment
- Spreading a full-face plan across several months without waiting to start
The honest version
A 0% plan means exactly what it says: if you qualify for one and you pay it off across the agreed term, the total you pay is the price of the treatment. There is no markup for financing and our prices do not change based on how you pay.
Not everyone is offered 0%. Some approvals come back with interest attached, and a longer term always means paying more in total even when the monthly number looks smaller. Read the terms the lender shows you before you accept — they are the ones lending, so their terms are the ones that count.
All financing is subject to credit approval, and approval is the lender's decision, not ours. If neither lender approves you, the treatment is still available — we can simply build a plan you pay for a session at a time, which is how most of our pricing already works.
Financing is subject to credit approval. Terms are set by Cherry and PatientFi, not by The Botox Spot. Ask your provider for details at your visit.
Financing questions
Book your treatment
Book online or call and we will help you build a plan that fits — then you can apply with Cherry or PatientFi before you come in, or while you are here.