Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 12 companies across 2 categories.
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Founded 1987 as DenCharge, a private-label credit product for dental implant financing. Rebranded to CareCredit and expanded across health & wellness verticals (vision, veterinary, cosmetic, hearing) throughout the 1990s-2000s. Became a subsidiary of Synchrony after its 2014 spin-off from GE Capital. Recently pivoting from a closed-loop provider-enrolled private-label card into a general-purpose health-and-wellness financing rail — extending acceptance to Walmart, Sam's Club, Albertsons, Walgreens; launching the Rewards Mastercard for open-loop spend; and in 2026 embedding CareCredit as a merchant-side financing option inside Stripe and Clover.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/carecredit/install" width="1" height="1" alt="" style="display:none">12 companies disclose CareCredit in their stack in the Embedded Finance Index 2026, including Nextech, Covetrus, Covetrus Pulse, Denticon, Curve Dental, Digitail, ezyVet, IDEXX, Vetspire, Covetrus ImproMed and 2 others.
CareCredit is an embedded-finance provider in Lending and PSP. It ranks #14 of 259 Lending providers by disclosed buyers.
The most-disclosed Lending alternatives to CareCredit are Affirm (64 buyers), Klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
CareCredit was founded by Ralph Stern and is founded in 1987, headquartered in Costa Mesa, California, United States (parent: Synchrony, Stamford, CT).
Get a read on where your own stack stands against CareCredit and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.