They will play good guy, bad guy. Thomas (the bad guy) will demand hard work from you, while the "Founder" will sell you on the fake algorithm they use to determine the default rate. Reality of it is that CareCredit removes all people who need financing but have a good enough credit score. If you only loan to people with poor credit score, your collection rate will be terrible. Thats why big banks and successful business do not run off this model.