Yes to Yourself in 2026: Exclusive 0% APR Financing for Your Cosmetic Goals
- Todd Rau
- Jan 5
- 4 min read
A new year is a natural point for reflection and recalibration. For many individuals, that includes reassessing personal goals, health, and overall well-being. When concerns about appearance have persisted over time - after pregnancy, weight loss, aging, or other life changes - considering a cosmetic procedure can be a thoughtful, intentional step toward improved confidence and quality of life.
At Rau Plastic Surgery in Redlands, board-certified plastic surgeon Dr. Todd C. Rau provides individualized treatment plans designed to achieve natural-looking, harmonious results. As part of that process, our team also recognizes that financial planning is an essential component of any elective procedure.
To help make treatment more accessible this year, our practice is pleased to offer an exclusive 0% APR financing for up to 18 months through Cherry Payment Plans for qualifying patients. This pay-over-time option can make it easier to say "yes" to yourself without taking on a single large, upfront expense.
What It Means to Say "Yes" to Yourself
Choosing to move forward with a cosmetic procedure is rarely impulsive. Most patients have lived with a specific concern for years before seeking a consultation. Saying "yes" to yourself often reflects:
A desire to address a feature that has been a longstanding source of self-consciousness
A wish to restore or refine body contours after pregnancy, weight fluctuations, or aging
An interest in aligning outward appearance with how you feel internally
A commitment to feeling more comfortable in professional, social, and personal settings
Patients frequently describe benefits that extend beyond the mirror, including:
Increased confidence in clothing and swimwear
Greater ease in photos and at social events
Renewed motivation for fitness, wellness, and self-care routines
An overall sense of feeling "more like themselves"
These changes are often subtle in daily life, but meaningful over time.
When Cost Becomes a Barrier
It is common - and completely appropriate - for patients to carefully consider the financial aspect of elective surgery. Even when a procedure is clinically appropriate and emotionally desired, the upfront cost can feel like a significant hurdle.
For that reason, we believe conversations about cost should be transparent, respectful, and comprehensive. Patients deserve to understand not only the recommended surgical plan, but also the range of payment options available to them - including structured financing designed specifically for medical and elective care.
Flexible Financing: Options That Fit Your Budget
To support patients in planning responsibly, Rau Plastic Surgery partners with Cherry Payment Plans, a pay-over-time solution designed specifically for healthcare and elective procedures. Cherry allows eligible patients to divide the cost of their treatment into smaller, more manageable monthly payments.
At Rau Plastic Surgery, qualifying patients may be eligible for an exclusive 0% APR plan with terms up to 18 months through our partnership with Cherry. This enhanced offering can make it easier to move forward with appropriate treatment while still aligning payments wit
h your broader financial priorities.
During your visit, our team can review your estimated treatment cost, discuss potential monthly payment ranges, and help you understand how Cherry may support your specific goals.
Examples of How Cherry Can Make Procedures More Accessible
Every patient's approval amount, terms, and rates will vary. At Rau Plastic Surgery, qualifying applicants may be eligible for an exclusive 0% APR plan with terms up to 18 months. The examples below illustrate how Cherry can help convert a single upfront cost into smaller monthly payments using 18-month, 0% APR plans:
Example 1 - $5,000 Treatment (0% APR for 18 months) A $5,000 treatment could cost $263.16/month for 18 months at 0% APR with a $263.16 down payment.
Example 2 - $13,000 Treatment (0% APR for 18 months) A $13,000 treatment could cost $684.21/month for 18 months at 0% APR with a $684.21 down payment.
Example 3 - $20,000 Treatment (0% APR for 18 months) A $20,000 treatment could cost $1,052.63/month for 18 months at 0% APR with a $1,052.63 down payment.
Exclusive 18-month 0% APR plans for qualifying applicants, fast application, no hard credit checks, and no hidden fees help support a straightforward and patient-friendly financial experience.
Disclaimer: All financing is subject to credit approval and terms set by Cherry. Not all applicants will qualify for all offers, including 0% APR or specific repayment terms. Sample payment amounts are estimates for illustrative purposes only and may not reflect your final offer.
Say Yes to Yourself in 2026
If you have been waiting for the "right time" to address a concern that affect your confidence, the new year may be an appropriate moment to explore your options.
At Rau Plastic Surgery, we are committed to combining clinical expertise, honest communication, and flexible financing options - including our exclusive 18-month 0% APR plans for qualifying patients through Cherry - to support you in making decision that feel right medically, emotionally, and financially.
To learn more about potential procedures and financing options, we invite you to schedule a consultation with Dr. Rau.
You deserve to feel confident in your own skin - this year and beyond!
