The $300 Billion Blind Spot: Consumer Healthcare Financing Is the Next Credit Story

Published on August 17, 2026

Patients need financing that is approved on the spot and fits the cost and timing of their specific procedure. This is the gap that a newer class of lenders — including CareCredit, Affirm, Sunbit, and Cherry — has been built to fill. The growth of buy now, pay later healthcare financing over the past two years reflects how quickly demand has caught up with supply.