Can You Pay Monthly for a Med Spa Treatment in Phoenix?
The short answer
Yes. At éclat we partner with Cherry, so the cost of a treatment can be split into monthly payments. You apply on your phone in about a minute, checking what you qualify for does not affect your credit score, and the plan is an agreement between you and Cherry. We set the treatment price, and the plan never changes it.
Most people who ask us about paying monthly ask it quietly, near the end of a consultation, as if it were an awkward question. It is a planning question, and the answer is yes, through a partner called Cherry. Here is how it works.
This post covers the mechanics: what a payment plan is at a med spa, who decides what, why the treatment price stays the same, which treatments people tend to ask about, and what to ask before you apply. Rates and terms are Cherry's to show you, and they depend on your eligibility.
Read it before your visit if money is part of the decision. It usually is, and it belongs in the plan from the start.
How do payment plans work at a med spa?
A payment plan at a med spa is run by a separate company: it offers the plan, decides who qualifies, and collects the payments. The practice is paid for the treatment, and you pay the plan provider over time. At éclat that company is Cherry.
The steps are short. You apply with Cherry on your phone and see what you qualify for. At your visit you tell us you would like to use Cherry. At checkout you choose the plan that fits, on Cherry's screen, and complete the purchase. The consultation and the treatment are exactly the same either way.
What does Cherry decide, and what do we decide?
Cherry is a financial technology provider and platform, not a bank or a lender; the plans are issued by Cherry's lending partners. Cherry decides whether you qualify, for how much, at what rate, and over how long. We never see the details of your application.
We decide the price of the treatment. Every treatment price is on our published menu, and you can read it at home before you talk to anyone. We also decide, with you, what treatment is right, and that happens at a free consultation before money enters the conversation.
Does a payment plan change the price of the treatment?
No. The treatment costs the same whether you pay in full or over time: the menu price. What a plan can add is the cost of the plan itself, and that is Cherry's to show you before you accept anything, in the terms on their screen.
Checking what you qualify for does not affect your credit score. That is Cherry's own description of the check it runs, and it is why it is reasonable to look before you decide anything.
Which treatments do people ask about paying monthly?
The higher lines on the menu. Here they are with their published prices; what a plan would look like for any of them is on Cherry's screen.
| Treatment | Our published price | Sold as |
|---|---|---|
| HALO® | From $1,500 | Per session, by area: face, face & neck, or face, neck & décolletage |
| BBL® photofacial | From $550 | Per session |
| Microneedling with PDRN | $350 for the face | A single session, or a series of three from $1,000 |
| Microneedling | $225 for the face | A single session, or a series of three from $600 |
Does a plan change whether you should buy a series?
A plan changes when you pay. What is right for your skin is decided at the consultation, and a series is the right purchase once a consultation has confirmed it. Our microneedling treatments are priced as a series of three on the menu, and the consultation is where we say whether a series is what we would recommend for you, or whether one visit is the better way to start.
What a plan can do is keep the size of a series price from deciding for you. If the right plan is three visits and the total is what stands in the way, that is what a monthly plan is for. If the right plan is one visit, buy one visit.
What should you ask before you apply?
Five questions, and we will answer every one of them at the consultation, in writing if you like.
- What is the full price of the treatment or the series, add-ons included? It should be on the menu before anyone asks for a number.
- What would the plan cost in total? Cherry shows this on its own screen before you accept.
- Does applying affect my credit score? Cherry describes its check as one that does not.
- What happens to a visit I do not use, if I buy a series?
- Can I decide after the consultation? Yes. The consultation is free and comes first.
What if you are nervous about asking?
Ask anyway. It is a normal question. The consultation is free, it ends with a plan and a price you can take home, and you don't have to book a treatment on the spot. If a monthly plan would make the right treatment possible, we will walk through what it would look like. If it would not, we will say that too.
Questions
Frequently asked questions
Do you offer financing?
Yes. We partner with Cherry, so you can split the cost of a treatment into monthly payments. Applying takes about a minute on your phone, and checking what you qualify for does not affect your credit score. You can start at eclatazmedspa.com/payment-plans, ask at checkout, or raise it at your consultation and we will walk you through what fits. Every price comes from our published menu, so you can think it over at home first.
Does applying for a Cherry plan affect my credit score?
Checking what you qualify for does not affect your credit score; Cherry describes the check it runs as a soft one that will not affect your credit. Whatever Cherry shows you after that is the agreement, and it is between you and Cherry. We never see the details of your application, and we make no part of the decision.
Does paying monthly change the price of the treatment?
No. The treatment costs the same whether you pay in full or over time: our published menu price. Any cost of the plan itself is Cherry's to disclose before you accept, on their own screen. We publish no rates or plan lengths because they are not ours to state and they depend on your eligibility.
Can I use a payment plan for a series?
Yes. A plan covers what you buy at checkout, whether that is a single session or a series. Whether a series is the right purchase is decided first, at your free consultation, and the exact total, add-ons included, is written down there before any payment question comes up.
Do I need to apply before my consultation?
No. The consultation is free and comes first; it is where we look at your skin, recommend a treatment or a series, and give you the exact price. You can apply with Cherry afterwards, at home, or at checkout on the day. Come for the consultation, decide on treatment after. You don't have to book one on the spot.
What if Cherry does not approve me?
Then nothing about your visit changes except the way you pay. The consultation is still free, the price does not change, and you can pay for a treatment as you would anywhere else. Eligibility is Cherry's decision, made on its own criteria, and it is not something we can see or influence.
Sources
- Cherry Technologies, Inc., Cherry Terms of Service. withcherry.com/terms (opens in a new tab) · Retrieved September 14, 2026
- Cherry Technologies, Inc., Financing Partners. withcherry.com/financing-partners (opens in a new tab) · Retrieved September 14, 2026
General information, not medical advice — for your own skin and your own plans, that is what a consultation is for. Our Terms of Service put it in full.
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