Cost is one of the main reasons patients wait on treatments they have already been thinking about for months. They know what they want. They have looked at before-and-after photos. They may even know which service they want to book. The only thing holding them back is paying the full amount at once.
That is where buy now, pay later can help.
For med spa treatments, buy now, pay later usually means you receive your treatment now and pay for it through monthly payments over a set period. At InjectCo, patients commonly use Cherry or CareCredit for this. Both options can help make treatments easier to plan around a real monthly budget.
It is not about pushing patients to spend more. It is about giving them a way to choose the right treatment plan without draining their savings in one visit.
Buy now, pay later (BNPL) for med spa treatments means you receive your procedure today and repay the cost in fixed installments over a set period, rather than paying the full amount at the time of service. Most BNPL options used in medical aesthetics are structured as monthly payment plans with defined terms, not open-ended credit card balances.
At InjectCo, patients across the DFW area most commonly use Cherry Payment Plans and CareCredit. Both are accepted at our Fort Worth, Plano, Colleyville, and Dallas-area locations. They work differently in how you apply, how repayment is structured, and which situations each one suits best.
Cherry is a buy now, pay later healthcare financing platform designed specifically for medical and aesthetic practices. It is not a credit card. It is a fixed-payment installment plan with transparent terms from the start.
Cherry does not charge deferred interest, retroactive interest, or compounding interest. With some financing options, if you carry a balance past a promotional period, you get charged interest on the original amount retroactively. Cherry does not work that way. The terms you see when you apply are the terms you pay.
Approval rates are also higher than traditional healthcare credit products, with Cherry reporting up to a 90% approval rate across their partner practices. For patients who have been turned down by other financing options, Cherry is often the path that works.
Ready to check your approval? Ask about Cherry at any InjectCo DFW location, or call ahead before your appointment.
CareCredit is a healthcare credit card issued by Synchrony Bank. It functions like a dedicated health and wellness credit card that you can use across 260,000+ provider locations nationwide, including all InjectCo DFW clinics.
Once approved, the CareCredit card stays in your wallet for future use. You are not applying each time you book a treatment. If you see multiple providers, a dentist, a dermatologist, and InjectCo, for example, one card covers all of them.
The important thing to understand about CareCredit is the deferred interest model. If you choose a promotional 0% APR period and pay the full balance before it ends, you pay no interest. If you carry a balance past that promotional date, interest on the original purchase amount is applied retroactively. Read the terms before selecting your plan. Our front desk team can help you compare options before you decide.
| Cherry | CareCredit | |
|---|---|---|
| Type | Installment plan (BNPL) | Revolving credit card |
| Credit check | Soft check only — no score impact | Soft prequalification available; hard pull upon full application |
| Approval speed | About 60 seconds | Minutes online |
| Interest model | No deferred or retroactive interest | Deferred interest applies if balance not cleared by promo end date |
| APR options | 0% APR for qualified plans; fixed terms | Promotional 0% APR; long-term options up to 60 months |
| Reuse | New application per treatment | Reusable card across 260K+ providers |
| Best for | One-time or infrequent treatments; patients who want simple fixed terms | Patients who see multiple providers or book regularly |
| Available at InjectCo | Yes. It’s available in all DFW locations | Yes. It’s available in all DFW locations |
Ready to book with financing at InjectCo DFW?
Book my financing consultation at InjectCo | injectco.com/services/
Or text us at your nearest DFW location. Our team will walk you through your options before you commit to anything.
Many InjectCo treatments may be eligible for financing through Cherry or CareCredit, depending on the treatment, purchase amount, approval terms, and provider rules.
Common treatment categories include:
Financing is applied to the treatment cost at time of service. If you are purchasing a treatment package or combining multiple services in one visit, the full package amount can typically be financed as a single transaction through Cherry or CareCredit. Ask your treatment coordinator to confirm at your consultation.
At InjectCo, we want the decision to book to be about whether the treatment is right for you. See all available InjectCo services and check which fit your goals.
The financing process is built into the appointment flow. Here is exactly what happens.
You can apply for Cherry online at withcherry.com before your appointment so you arrive already knowing your approval amount and available plans. For CareCredit, you can prequalify at carecredit.com with no credit impact. Neither is required in advance. Both can be completed in the waiting room on your phone.
Let the front desk team know you’d like to use financing. They will confirm which option you’re using and guide you through selecting your plan. The amount is settled before your treatment begins.
Your monthly payments follow the schedule you selected. Cherry users manage payments through the Cherry app. CareCredit users manage through the CareCredit app or online account portal.
There are no hidden fees added at InjectCo. The quoted treatment price is what you finance. We do not mark up treatments for patients using financing.
Questions before you book? Schedule your consultation at InjectCo and ask about your financing options during the intake call.
No. Cherry uses a soft credit check for approval, which does not affect your credit score. You can apply and see your options without any risk to your credit.
Yes. CareCredit is accepted at all 9 InjectCo Texas locations, including every DFW clinic in Fort Worth, Plano, Colleyville, and the surrounding area.
There is no minimum set by InjectCo. Cherry and CareCredit each have their own minimums, which are typically low. Ask your treatment coordinator at booking for confirmation based on your specific treatment.
InjectCo currently offers Cherry and CareCredit as its primary financing options. Afterpay is accepted at some med spas in the DFW area but is not currently available at InjectCo. Cherry is a comparable installment-based option with similar flexibility.
Yes. Physician-supervised GLP-1 programs using compounded semaglutide or tirzepatide at InjectCo can be financed through Cherry or CareCredit. Talk to your treatment coordinator about program pricing and plan options.
Cherry applies a late fee for missed payments, and continued non-payment can affect your credit. Cherry will notify you before any payment is due, and the app includes payment reminders. If you anticipate difficulty, contact Cherry directly as early as possible.
Yes. InjectCo does not add any surcharge or markup for patients using Cherry or CareCredit. The treatment price is the same regardless of how you pay.
