Plan your treatment
Meet your provider at a free consultation and agree on a treatment plan and its total price.
Payment plans
Treat yourself now, pay over time.
Cherry, PatientFi, CareCredit, Affirm, Klarna and Afterpay — flexible ways to spread the cost of your treatments and packages.
Compare options ↓
The art of feeling like yourself
6
ways to pay over time
Flexible & simple
Your glow, your terms.
How it works
Three simple
steps
Choose how to pay
Pick the option that fits — pay in 4, a fixed monthly plan or a health credit card. Most apply in minutes.
Start your treatment
Once approved, book your sessions and pay over time on the schedule you chose.
Our payment partners
Find the plan
that fits
01
Cherry
Monthly plans for any treatment
- Apply in about a minute — checking your options will not affect your credit score.
- Instant decision, then choose the plan length that fits your budget.
- 0% APR plans are available for qualified applicants; longer plans may carry interest.
- Payments come out automatically, so there is nothing to remember.
Best for Larger treatment plans and packages you want to spread over several months.
02
PatientFi
Financing made for aesthetics
- Designed specifically for aesthetic and medical-spa treatments.
- See what you qualify for with a soft credit check that does not affect your score.
- Choose a fixed monthly payment; 0% APR options are available for qualified patients.
- Use it for a single treatment or a full multi-session plan.
Best for Injectables, laser and skin-tightening plans with a predictable monthly payment.
03
CareCredit
The health & wellness credit card
- A reusable credit card accepted across a large nationwide network of health and wellness providers.
- Promotional financing on qualifying purchases: no interest if paid in full within the promotional period (commonly 6, 12, 18 or 24 months).
- Important: if the balance is not paid in full by the end of the promotional period, interest is charged from the original purchase date.
- Keep using the same card for future visits and maintenance treatments.
Best for Ongoing care — maintenance visits, series treatments and future touch-ups.
04
Affirm
Pay over time, total cost upfront
- Choose biweekly or monthly payments; rates range from 0% to 36% APR based on your credit.
- You see exactly what you will pay before you commit — no hidden fees and no late fees.
- Checking your eligibility will not affect your credit score.
- Simple, fixed payments with a clear end date.
Best for Mid-size to larger treatments when you want the total cost spelled out first.
05
Klarna
Pay in 4 or monthly
- Pay in 4: split your total into four interest-free payments, every two weeks.
- Monthly financing is available for larger purchases, subject to approval (interest may apply).
- Manage every payment in the Klarna app.
Best for Facials, peels and skincare — or a bigger plan with monthly financing.
06
Afterpay
Four interest-free payments
- Split your purchase into 4 payments, due every two weeks.
- No interest — ever. Late fees may apply if a payment is missed.
- Quick approval with no lengthy application.
Best for Smaller treatments, skincare and gift cards.
At a glance
Compare
side by side
| Option | Best for | How you pay | To apply | Interest |
|---|---|---|---|---|
| Cherry | Treatment plans | Monthly, autopay | Soft check to see options | 0% APR for qualified; otherwise APR applies |
| PatientFi | Aesthetic plans | Fixed monthly | Soft check to see options | 0% APR options for qualified |
| CareCredit | Ongoing care | Reusable credit card | Credit application | Promotional no-interest periods; deferred interest applies |
| Affirm | Mid to large | Biweekly or monthly | Soft check to see options | 0–36% APR |
| Klarna | Small to large | Pay in 4 or monthly | Varies by plan | Pay in 4 interest-free; monthly may carry interest |
| Afterpay | Smaller purchases | 4 payments, every 2 weeks | Quick approval | Interest-free; late fees may apply |
Good to know
Payment plan
questions
Does applying affect my credit score?
Cherry, PatientFi and Affirm let you check your options with a soft credit check that does not affect your score. Accepting a plan, or applying for the CareCredit card, may involve a full credit check — each provider explains this before you commit.
Can I combine financing with a package or promotion?
Yes. Most clients use financing to spread the cost of a package or a multi-session treatment plan. Your studio will confirm the final price before you choose how to pay.
Who provides the financing?
Every option on this page is offered by an independent third-party lender, not by Lilly Beauty. Approval, rates and terms are set by the lender and depend on your credit.
Which option should I choose?
For smaller treatments and skincare, Afterpay or Klarna Pay in 4 keep it simple. For larger plans, Cherry, PatientFi or Affirm offer monthly payments with the total shown upfront. CareCredit suits ongoing care you will return for.
Are all options available at every studio?
Availability can vary by location. Ask your studio at your free consultation and we will walk you through the options that fit your plan.
Financing is offered by independent third-party lenders and is subject to credit approval. Rates, terms, promotional periods and fees are set by each lender and may change; see the lender's terms before you accept. Lilly Beauty does not set or guarantee lender terms. Availability of each option may vary by studio. Read our written financial policy.
Ask about payment plans ↗A little time for yourself
Your next chapter.
Beautifully you.
Let's talk about your goals. Your personalized plan starts with a complimentary consultation.
Find your glow ↗