All-in-one financing platform that helps healthcare providers offer flexible pay-over-time plans to every patient, regardless of their credit.

Dallas, TX (October 15, 2026) – The American Fintech Council (AFC), the largest industry association representing both responsible fintech companies and innovative banks, announced the addition of Healthcare Finance Direct (HFD) as its newest member. HFD provides flexible financing solutions so every patient can say yes to treatment and get the care they need.

As a member of AFC, HFD will contribute to ongoing efforts to promote accessible and consistent financial services for all consumers, regardless of their financial background.

“Providing transparent and accessible financing options for patients is essential for creating a financial system that is truly inclusive and serves the needs of everyday consumers,” said Phil Goldfeder, CEO of the American Fintech Council. “HFD’s approach to healthcare financing allows them to look beyond traditional financial structuring and focus on getting people access to the care they need. We look forward to collaborating with HFD on constructing clear regulatory frameworks that help more consumers access important financial tools.”

HFD offers a suite of patient financing options, including simple installment loans and pay-over-time plans, with an approach designed to support 99%+ approval rates across various credit tiers*. By offering clear terms, zero-down payment options, and non-recourse solutions for healthcare providers, HFD both enables patients to access necessary medical and dental treatments without delay and allows healthcare practices to maintain steady cash flow and business continuity.

“Our mission at HFD is to help all consumers live healthier lives by ensuring they are not delayed or denied necessary care due to cost,” said Tyler Johnson, CEO at HFD. “Our flexible payment solutions can be customized to the patient, with no impact on their credit score. Joining the American Fintech Council is part of our commitment to consumer transparency, and we are excited to work alongside a broad and growing coalition of fintechs and forward-thinking banks working to build a more inclusive financial system."

A standards-based organization, the American Fintech Council (AFC) is the largest and most diverse trade association representing financial technology (fintech) companies and innovative banks. On behalf of nearly 175 member companies and partners, AFC promotes a transparent, inclusive, and customer-centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve all consumer segments and geographies.

About HFD
Based in Dallas, TX, HFD is an innovative fintech platform that empowers healthcare providers to offer flexible and inclusive pay-over-time options to virtually every patient, regardless of their credit, making healthcare more accessible and affordable. Since 2009, HFD has partnered with top healthcare names to help over 1 million patients manage $2bn+ in treatment. Learn more at www.gohfd.com.

*Applicants may be declined financing with any HFD program due to an association of an open bankruptcy, government watchlist, or inability to properly identify a debtor. Underwriting considers multiple factors beyond credit score. HFD’s Bank Loan Program is issued by Hatch Bank, a California-chartered industrial bank.

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