Flexible Financing
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.
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
Powered by Cherry
Apply in ~60 seconds
Quick, online, no paperwork
Plans from 0% APR
Or fixed rates as low as 5.99%
Manage online anytime
Track and pay from your phone
Choose your plan in the application below.
See if You Qualify →Simple & Fast
Four easy steps from "I want this" to care you can actually budget for.
Pre-qualify in about a minute. It won't affect your credit score.
Choose the monthly payment and term that fit your budget — including 0% APR options.
Move forward with your treatment right away — no waiting and saving up first.
Make simple monthly payments and manage everything online with Cherry.
Why Finance With Us
Don't put off the care you need because of timing. Financing makes it manageable.
Begin your weight-loss, hormone, IV or aesthetic plan now instead of waiting.
Spread the cost into predictable monthly payments that fit your life.
No hard credit check to see options, no hidden fees, and clear terms up front.
Apply online in about a minute — a simple, secure decision in seconds.
Ready When You Are
Check your options below — it only takes about 60 seconds and won't affect your credit score.
Cherry application widget
This is where the live Cherry pre-qualification application embeds on the real site. It's a third-party JS widget tied to our Cherry merchant account — send over the embed snippet from your Cherry dashboard and I'll drop it in here.
Request an Appointment Instead →Good to Know
The details on how patient financing works at Total Medical & Wellness.
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.
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.
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.
Most people get a decision in about 60 seconds. The whole application is online — no paperwork, no waiting on a phone call.
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.
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?
Check your options in about a minute — with no hard credit check — or reach out and we'll walk you through it.
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.
Important Disclaimers
Disclaimer: Compounded medications, including compounded hormones, are available by prescription only. They are not FDA approved and have not been evaluated for safety and effectiveness by the FDA. If right for you, and based on your individual needs, your provider may prescribe brand name or generic drug products, or compounded drug products deemed necessary and appropriate.
Individual results may vary. The results and reviews depicted on this site are those of individual users and do not represent all users' experience.
Disclaimer: This website does not provide medical advice. The information, including but not limited to text, graphics, images, and other material contained on this website is for informational purposes only. Some content on this site and affiliated platforms has been written by medical professionals and some has been provided by outside sources. No material on this site is intended to be, nor is it, a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or qualified health care provider with any questions you may have regarding a medical condition or treatment, and never disregard or delay seeking professional medical advice because of something you have read on this website.