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市場調查報告書
商品編碼
1890425

美國醫美金融市場評估：依融資類型、應用、最終用戶、提供者、地區、機會和預測（2018-2032 年）

United States Cosmetic Financing Market Assessment, By Loan Type, By Application, By End-user, By Provider, By Region, Opportunities and Forecast, 2018-2032F
出版日期: | 出版商: Markets & Data | 英文 105 Pages | 商品交期: 3-5個工作天內

價格

美國醫美金融市場預計將從 2025 年到 2032 年以 5.41% 的複合年增長率增長，市場規模將從 2024 年的 84 億美元增長到 2032 年的 128 億美元。隨著美國消費者越來越尋求更便利、個人化和無縫銜接的自選醫療程序體驗，美國醫美金融市場正經歷快速轉型。這一增長受多種因素驅動，包括：採用以消費者為中心的融資模式，例如先買後付 (BNPL) 和即時分期付款計劃；更加註重普惠金融，以幫助更廣泛的患者群體獲得諸如牙科美容、植髮和整形手術等治療；以及加強對信貸透明度和負責任貸款實踐的監管，從而推動篩選和患者教育方面的創新。如今，接受擇期治療的患者不僅追求價格實惠，還希望獲得靈活的付款方式、快速的審批流程以及清晰明確的還款義務。

隨著病患對更個人化、更便捷的擇期手術付款方式的需求日益增長，美國的美容醫療融資市場正持續快速擴張。該行業正從傳統方式轉向嵌入式和先進的融資工具，以減輕治療費用負擔並改善患者體驗。

例如，2025年2月，Affirm與Coast Dental Partners合作，為患者提供在其牙科診所進行各種治療的經濟實惠且靈活的月付方案。這項合作使患者，尤其是那些因高昂的前期費用而推遲治療的美容牙科患者，能夠獲得擇期治療。

透過利用即時授權和低影響或零影響的支付方式，進一步的合作將繼續推動患者接受度，並提高診所的銷售轉換率。在更廣泛的市場中，金融科技與醫療保健的整合正在重新定義醫療保健的可及性，它構建了一個以消費者為中心的金融生態系統，涵蓋皮膚科、牙科美容和外科整形等多個專科領域。這種新模式為金融科技提供了實現其預期目標的機會，即透過便捷的自動化技術，提供面向患者的金融服務，而無需複雜的信貸流程。這不僅關乎成本效益；它還有助於提升美國服務不足的美容醫療保健領域的患者信任度、透明度和可及性，凸顯了金融科技對患者體驗的深遠影響。

目錄

第一章：專案範圍與定義

第二章：研究方法

第三章：摘要整理

第四章：客戶之聲

  • 受訪者人口統計資料
  • 擇期手術融資意願及認知
  • 分期付款方式（EMI）和醫療信用卡選項偏好
  • 影響金融機構選擇的因素（利率、還款期限、合作診所）
  • 主要關注點：對信用評分的影響、隱性成本和審批時間
  • 選擇融資的熱門手術項目（植髮、肉毒桿菌注射、雷射近視手術、美容手術）牙科）

第五章 美國美容醫療金融市場展望（2018-2032）

  • 市場規模分析與預測
    • 依價值劃分
  • 市佔率分析與預測
    • 依貸款類型劃分
      • 個人貸款
      • 醫療信用卡
      • 先買後付（預付費）
      • 住院分期付款（透過診所和醫院）
    • 以應用方式劃分
      • 植髮
      • 美容牙科
      • 肉毒桿菌和填充劑
      • 整形手術
      • 雷射皮膚治療
      • 其他
    • 依最終用途用戶
      • 男性
      • 女性
      • 非二元性別/其他
    • 依提供者
      • 銀行和金融機構
      • 金融科技貸款機構
      • 非銀行金融公司 (NBFC)
      • 診所內部融資
    • 依地區
      • 東北部
      • 西南部
      • 西部
      • 東南部
      • 中西部
    • 依公司劃分的市佔率分析
  • 2024 年市場地圖分析
    • 依貸款類型
    • 依申請方式
    • 依最終用戶
    • 依提供者
    • 依地區

第六章 供需關係分析

第七章：價值鏈分析

第八章：波特五力分析

第九章：PESTLE分析

第十章：市場動態

  • 市場驅動因素
  • 市場挑戰

第十一章：市場趨勢與發展

第十二章：定價模型（盡力而為）

第十三章：個案研究

第十四章：競爭格局

  • 前五大競爭對手矩陣 前五名SWOT分析 前十大主要競爭對手參與者
    • Synchrony Financial（CareCredit）
      • 公司詳情
      • 關鍵管理人員
      • 產品與服務
      • 財務資訊（已公佈）
      • 主要市場趨勢與區域發展
      • 近期發展/合作、協作、併購
    • Alphaeon Credit, Inc.
    • Prosper Funding LLC
    • United Medical Credit LLC
    • LendingPoint LLC
    • Affirm, Inc.
    • LendCare Capital Inc.
    • Comenity Capital Bank（化妝品融資卡）
    • PatientFi Inc.
    • Cherry Technologies, Inc.

以上列出的公司並非依市佔率排名，排名可能會根據研究過程中獲得的資訊而有所變動。

第十五章：策略建議

第十六章：關於研究公司及免責聲明

Product Code: MX13899

United States cosmetic financing market is projected to witness a CAGR of 5.41% during the forecast period 2025-2032, growing from USD 8.40 billion in 2024 to USD 12.80 billion in 2032F. As the United States consumers increasingly seek accessible, personalized, and seamless experiences in elective healthcare, the cosmetic finance market in the United States is experiencing a rapid transformation. This is the result of several forces for growth, including the adoption of consumer-centric lending models such as BNPL and point-of-care, installment loans; a heightened focus on financial inclusion empowering an even broader percentage of patients to access treatments, like dental aesthetics, hair restoration, and cosmetic surgery and increased regulatory focus on credit transparency and responsible lending practices driving innovation in underwriting and patient education. Today's elective care patients don't simply want affordability; they demand flexible terms, rapid approvals, and absolute clarity regarding repayment obligations.

The United States cosmetic financing market is undergoing rapid expansion, as patients increasingly want more customized and convenient payment options for their elective procedures. The space is shifting away from legacy practices and moving toward embedded and enhanced financing tools to remediate affordability and improve the patient experience.

For instance, in February 2025, Affirm partnered with Coast Dental Partners, whereby patients can access affordable, flexible monthly payments for a variety of treatments across their dental clinics. This partnership now empowers patients who deferred treatment due to high upfront costs to receive their elective treatment, especially in cosmetic dentistry.

By leveraging real-time approvals with low- or non-impact payment methods, additional partnerships will continue to enhance patient adoption while increasing clinic conversion rates at the point of sale. Across the larger market, we are seeing fintech and healthcare converge to create more consumer-centric financial ecosystems, redefining access to care through specialized verticals such as dermatology, dental aesthetics, and surgical enhancements. In this new model, providing finance to patients with accessibility and robotics, and without complicated credit processes, offers financial technology the opportunity to achieve its intended purpose. This is more than just addressing affordability, as addressing patient trust, transparency, and accessibility within an underserved U.S. cosmetic healthcare category reveals the significant impact that financial technology can have on the patient experience.

Rising Loyalty Program Linked with Financing Boosting Market Growth

A key contributor to the recent growth of the cosmetic financing market in the United States is the pairing of financing tools with patient loyalty and retention tools.

For instance, in February 2025, Affirm's partnership with RepeatMD exemplified this trend, with the integration of flexible financing tools built into the platforms used by medical spas and aesthetic providers. They are providing patients with the opportunity to split up a significant cosmetic expense, such as laser treatment or injectables, into a predictable monthly payment; however, they reward patients through the platform's loyalty program.

These technology-driven financing experiences help clinics and med spas deliver patient satisfaction, loyalty, and future revenue. Because there are no hidden costs and real-time credit decisions are made, these embedded models are appealing to digital-native consumers who demand transparency and travel through a wavering customer journey without feeling disconnected from each other. The growing trend in the established economy is transforming the face of the cosmetic care economy by integrating consumer credit with marketing automation, shifting financial services from being a secondary consideration addressed after the patient receives care to becoming an essential element that is integrated into the patient experience during care.

Digitally Integrated, Multi-Channel Payment Ecosystems Drive the Market Forward

A significant growth facilitator for the United States market is the evolution towards omnichannel payment ecosystems enabled by new communication technology platforms. The partnership established in September 2023 between Weave and Affirm is a good case of this evolution. Weave now enables their healthcare providers, particularly small to mid-sized practices, to offer patients flexible payment options as part of their digital communications workflow. Payment reminders, payment plan options, and payment support for patients will now be sent as text and email reminders, allowing ease of use from consultation to procedure.

This type of embedding is essential because, within the realm of cosmetic care, patients often seek to clarify their pricing, financing options, and repayment terms before deciding. The fact that patients can consider and manage their payments through their preferred communication avenues not only helps strengthen engagement but also grows confidence in their service provider. These ecosystems address patient expectations regarding the immediacy, transparency, and simplicity of choices, which are impressively important in making decisions about elective treatments. In an increasingly competitive space, cosmetic clinics that embed financing into their digital communications strategy will be better positioned to acquire and retain cost-conscious consumers.

Cosmetic Surgery is Dominating the Cosmetic Financing Market Growth

Cosmetic surgery and breast augmentation remain the largest segments of the United States cosmetic financing market across all application segments, primarily due to their higher costs and limited coverage under most insurance plans. According to CareCredit report published, in July 2024, citing the latest Plastic Surgery Statistics from the American Society of Plastic Surgeons, breast-related cosmetic procedures have increased significantly, including a 15 percent overall rise and a 54 percent surge in breast reductions. CareCredit provides a thorough guide to the various potential costs of breast enhancement procedures, and it also makes it clear that pre-qualified financing is essential, as it reduces the financial anxiety associated with elective procedures.

Procedures like breast augmentation typically cost anywhere from USD 5,000 to USD 10,000, and surgery and other procedures are now made more manageable with structured loans and fixed monthly payments. This segment appeals to middle-income earners who seek body-enhancing treatment without incurring significant financial burdens. Long-term promotional financing, such as interest-free financing plans, has enabled many consumers, including younger patients and first-time patients, to consider aesthetic procedures that they may not have otherwise considered. As funds such as these gain more confidence, high-priced point procedures, including surgical enhancements and dental aesthetic procedures, will continue to lead adoption in the United States market.

Key Players Landscape and Outlook

The United States cosmetic financing market is competitive, with fintech innovators and legacy lenders vying for a share of diverse treatments. In November 2024, Synchrony Financial's CareCredit remained a substantial player in the sector, marking 20 years of partnership with the American Society of Plastic Surgeons (ASPS). This long-standing collaboration has helped institutionalize the use of medical credit cards within the plastic surgery industry, achieving deep penetration among providers and strong consumer awareness.

At the same time, new-age players such as Affirm, PatientFi, and Cherry Technologies are rapidly expanding with no-interest promotional plans and soft credit checks, among other innovations to improve patient onboarding. Companies like Alphaeon Credit and United Medical Credit are establishing a foothold in premium cosmetic care. LendingPoint and LendCare Capital, on the other hand, are focused on both general and specialty segments. As Affirm forms partnerships with various technology providers in communication and loyalty, you can see the market splitting strongly between two ends of a spectrum: the digital-first, integrated financing models and the well-established medical credit-only product offerings. This differentiation is helping to create a sustainable, consumer-centric ecosystem for cosmetic healthcare lending in the U.S.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

  • 4.1. Respondent Demographics
  • 4.2. Consumer Awareness and Willingness to Avail of Financing for Elective Procedures
  • 4.3. Preferences for EMI vs Medical Credit Card Options
  • 4.4. Factors Influencing Choice of Lender (Interest Rate, Tenure, Partnered Clinics)
  • 4.5. Key Concerns: Credit Score Impact, Hidden Charges, Approval Time
  • 4.6. Popular Procedures Opted via Financing (Hair Transplant, Botox, Lasik, Cosmetic Dentistry)

5. United States Cosmetic Financing Market Outlook, 2018-2032F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Loan Type
      • 5.2.1.1. Personal Loan
      • 5.2.1.2. Medical Credit Card
      • 5.2.1.3. BNPL (Buy Now Pay Later)
      • 5.2.1.4. In-house EMI Financing (via clinics/hospitals)
    • 5.2.2. By Application
      • 5.2.2.1. Hair Transplant
      • 5.2.2.2. Dental Aesthetic Procedures
      • 5.2.2.3. Botox and Fillers
      • 5.2.2.4. Cosmetic Surgery
      • 5.2.2.5. Laser Skin Treatments
      • 5.2.2.6. Others
    • 5.2.3. By End-user
      • 5.2.3.1. Male
      • 5.2.3.2. Female
      • 5.2.3.3. Non-binary / Others
    • 5.2.4. By Provider
      • 5.2.4.1. Banks & Financial Institutions
      • 5.2.4.2. Fintech Lenders
      • 5.2.4.3. NBFCs (Non-Banking Financial Companies)
      • 5.2.4.4. In-house Financing by Clinics
    • 5.2.5. By Region
      • 5.2.5.1. Northeast
      • 5.2.5.2. Southwest
      • 5.2.5.3. West
      • 5.2.5.4. Southeast
      • 5.2.5.5. Midwest
    • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
  • 5.3. Market Map Analysis, 2024
    • 5.3.1. By Loan Type
    • 5.3.2. By Application
    • 5.3.3. By End-user
    • 5.3.4. By Provider
    • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

  • 10.1. Market Drivers
  • 10.2. Market Challenges

11. Market Trends and Developments

12. Interest Rate Analysis (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

  • 14.1. Competition Matrix of Top 5 Market Leaders
  • 14.2. SWOT Analysis for Top 5 Players
  • 14.3. Key Players Landscape for Top 10 Market Players
    • 14.3.1. Synchrony Financial (CareCredit)
      • 14.3.1.1. Company Details
      • 14.3.1.2. Key Management Personnel
      • 14.3.1.3. Products and Services
      • 14.3.1.4. Financials (As Reported)
      • 14.3.1.5. Key Market Focus and Geographical Presence
      • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisitions
    • 14.3.2. Alphaeon Credit, Inc.
    • 14.3.3. Prosper Funding LLC
    • 14.3.4. United Medical Credit LLC
    • 14.3.5. LendingPoint LLC
    • 14.3.6. Affirm, Inc.
    • 14.3.7. LendCare Capital Inc.
    • 14.3.8. Comenity Capital Bank (Cosmetic Financing Cards)
    • 14.3.9. PatientFi Inc.
    • 14.3.10. Cherry Technologies, Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

  • Table 1. Competition Matrix of Top 5 Market Leaders
  • Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1. United States Cosmetic Financing Market, By Value, In USD Billion, 2018-2032F
  • Figure 2. United States Cosmetic Financing Market Share (%), By Loan Type, 2018-2032F
  • Figure 3. United States Cosmetic Financing Market Share (%), By Provider, 2018-2032F
  • Figure 4. United States Cosmetic Financing Market Share (%), By End-user, 2018-2032F
  • Figure 5. United States Cosmetic Financing Market Share (%), By Application, 2018-2032F
  • Figure 6. United States Cosmetic Financing Market Share (%), By Region, 2018-2032F
  • Figure 7. By Loan Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 8. By Application Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 9. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 10. By Provider Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024