Payment Plans · Solas PT El Paso

Physical therapy you can pay for over time

0% APR options available. No hard credit checks, ever. Applying takes a few minutes and never affects your credit score.

Cash-based care, without the up-front wall

Solas PT does not bill insurance. That means no surprise bills, no denied claims, and no insurance company deciding your care is finished before you are. It also means a full plan of care is real money at the point you commit to it.

Payment plans through Cherry let you spread that cost across monthly payments — the difference between committing to the course of treatment Dr. Cisneros actually recommends and paying visit by visit until the budget runs out.

Available in English and Spanish.

What you would be financing

Financing is not a separate price list. It is the same published rates, paid over time instead of at once:

The full price list is published, including single sessions and re-evaluations. Nothing costs more because it is financed, and Solas PT charges no fee for using a plan.

Why this matters clinically, not just financially

Most courses of care at Solas PT resolve in four to six visits. A plan of care works as a sequence — loading progresses visit to visit, and the gains come from finishing the progression, not from any single session.

Paying visit by visit quietly changes that. The decision to come back gets made against the month's budget rather than against the plan, and the most common way a course of care fails is that it stops two or three visits early — after the pain settles but before the tissue tolerates the load that caused it. That patient feels better for a while and returns months later with the same problem.

Spreading the cost is a way of deciding once, at the start, with Dr. Cisneros telling you honestly how many visits he thinks it will take.

How it works at Solas PT

  1. Check your options. The application takes a few minutes and runs no hard credit check, so seeing what you qualify for costs you nothing and does not affect your credit score.
  2. Choose a plan. Cherry shows the terms you have been approved for, including any 0% APR options, with the monthly figure for each. You pick the one that fits.
  3. Solas PT is paid in full. The clinic is paid up front by Cherry, so nothing about your treatment changes and there is no balance carried at the clinic.
  4. You repay Cherry monthly. Billing, terms and support are handled by Cherry directly. Solas PT is not the lender and makes no credit decisions.

You can apply before your first visit or while you are here. Most patients wait until after the evaluation, when they know what the plan of care actually is.

Common questions

Can I pay for physical therapy over time at Solas PT?
Yes. Solas PT offers payment plans through Cherry, so you can spread the cost of your evaluation and treatment sessions over monthly payments instead of paying it all up front. 0% APR options are available and there is no hard credit check to apply. Applying takes a few minutes and can be done before or during your visit.
Does applying for a payment plan affect my credit?
No. Cherry uses no hard credit checks, ever. Checking whether you qualify does not affect your credit score, so you can see your options before deciding anything.
What can I use a payment plan for at Solas PT?
Any service at Solas Physical Therapy in El Paso, though it is most useful across a full course of care. Spreading the cost is where paying over time makes the most difference, because it lets you commit to the course of treatment Dr. Cisneros recommends rather than paying visit by visit until the budget runs out.
Can I still use my HSA or FSA card?
Yes. HSA and FSA cards are accepted at Solas PT, as are credit and debit cards, cash, and Zelle. A payment plan is simply another option if paying up front is not practical. Superbills are available on request for anyone submitting to insurance themselves.
Is the payment plan application available in Spanish?
Yes. The Cherry application is available in English and Spanish, and you can switch languages at any point during the process.
How much of the cost can I finance?
Any amount, from a single evaluation to a full course of care, though it makes the most difference where the total figure is largest. How much you qualify for is determined by Cherry during the application, and the calculator on this page shows the monthly figure for each plan you are offered.
How long do I have to pay it off?
That depends on the plan you are approved for. Cherry presents the available terms during the application along with the monthly payment for each, and 0% APR options are subject to eligibility. You choose the term before anything is finalised.
Do I pay Solas PT or Cherry?
Cherry pays the clinic up front and you make your monthly payments to Cherry. No balance is carried at Solas PT, and any billing question goes to Cherry directly.
What happens if I am not approved?
Nothing changes about your care. HSA and FSA cards, credit and debit cards, cash and Zelle are all accepted, and sessions can still be paid for one at a time. Approval is Cherry's decision — Solas PT does not make credit decisions and is not the lender.

Payment options through Cherry Technologies Inc. are issued by these financing partners. 0% APR and other promotional rates subject to eligibility. Solas PT does not make credit decisions and is not the lender.

Ready to start?

Book your evaluation first — Dr. Cisneros will build the plan of care, then you can decide how you would like to pay for it.

Book Your Evaluation