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市场调查报告书
商品编码
1890425

美国医美金融市场评估：依融资类型、应用、最终用户、提供者、地区、机会和预测（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个工作天内

价格

美国医美金融市场预计将从 2025 年到 2032 年以 5.41% 的复合年增长率增长，市场规模将从 2024 年的 84 亿美元增长到 2032 年的 128 亿美元。随着美国消费者越来越寻求更便利、个人化和无缝衔接的自选医疗程序体验，美国医美金融市场正经历快速转型。这一增长受多种因素驱动，包括：采用以消费者为中心的融资模式，例如先买后付 (BNPL) 和即时分期付款计划；更加註重普惠金融，以帮助更广泛的患者群体获得诸如牙科美容、植髮和整形手术等治疗；以及加强对信贷透明度和负责任贷款实践的监管，从而推动筛选和患者教育方面的创新。如今，接受择期治疗的患者不仅追求价格实惠，还希望获得灵活的付款方式、快速的审批流程以及清晰明确的还款义务。

随着病患对更个人化、更便捷的择期手术付款方式的需求日益增长，美国的美容医疗融资市场正持续快速扩张。该行业正从传统方式转向嵌入式和先进的融资工具，以减轻治疗费用负担并改善患者体验。

例如，2025年2月，Affirm与Coast Dental Partners合作，为患者提供在其牙科诊所进行各种治疗的经济实惠且灵活的月付方案。这项合作使患者，尤其是那些因高昂的前期费用而推迟治疗的美容牙科患者，能够获得择期治疗。

透过利用即时授权和低影响或零影响的支付方式，进一步的合作将继续推动患者接受度，并提高诊所的销售转换率。在更广泛的市场中，金融科技与医疗保健的整合正在重新定义医疗保健的可及性，它构建了一个以消费者为中心的金融生态系统，涵盖皮肤科、牙科美容和外科整形等多个专科领域。这种新模式为金融科技提供了实现其预期目标的机会，即透过便捷的自动化技术，提供面向患者的金融服务，而无需复杂的信贷流程。这不仅关乎成本效益；它还有助于提升美国服务不足的美容医疗保健领域的患者信任度、透明度和可及性，凸显了金融科技对患者体验的深远影响。

目录

第一章：专案范围与定义

第二章：研究方法

第三章：摘要整理

第四章：客户之声

  • 受访者人口统计资料
  • 择期手术融资意愿及认知
  • 分期付款方式（EMI）和医疗信用卡选项偏好
  • 影响金融机构选择的因素（利率、还款期限、合作诊所）
  • 主要关注点：对信用评分的影响、隐性成本和审批时间
  • 选择融资的热门手术项目（植髮、肉毒桿菌注射、雷射近视手术、美容手术）牙科）

第五章 美国美容医疗金融市场展望（2018-2032）

  • 市场规模分析与预测
    • 依价值划分
  • 市占率分析与预测
    • 依贷款类型划分
      • 个人贷款
      • 医疗信用卡
      • 先买后付（预付费）
      • 住院分期付款（透过诊所和医院）
    • 以应用方式划分
      • 植髮
      • 美容牙科
      • 肉毒桿菌和填充剂
      • 整形手术
      • 雷射皮肤治疗
      • 其他
    • 依最终用途用户
      • 男性
      • 女性
      • 非二元性别/其他
    • 依提供者
      • 银行和金融机构
      • 金融科技贷款机构
      • 非银行金融公司 (NBFC)
      • 诊所内部融资
    • 依地区
      • 东北部
      • 西南部
      • 西部
      • 东南部
      • 中西部
    • 依公司划分的市占率分析
  • 2024 年市场地图分析
    • 依贷款类型
    • 依申请方式
    • 依最终用户
    • 依提供者
    • 依地区

第六章 供需关係分析

第七章：价值链分析

第八章：波特五力分析

第九章：PESTLE分析

第十章：市场动态

  • 市场驱动因素
  • 市场挑战

第十一章：市场趋势与发展

第十二章：定价模型（尽力而为）

第十三章：个案研究

第十四章：竞争格局

  • 前五大竞争对手矩阵 前五名SWOT分析 前十大主要竞争对手参与者
    • Synchrony Financial（CareCredit）
      • 公司详情
      • 关键管理人员
      • 产品与服务
      • 财务资讯（已公布）
      • 主要市场趋势与区域发展
      • 近期发展/合作、协作、併购
    • Alphaeon Credit, Inc.
    • Prosper Funding LLC
    • United Medical Credit LLC
    • LendingPoint LLC
    • Affirm, Inc.
    • LendCare Capital Inc.
    • Comenity Capital Bank（化妆品融资卡）
    • PatientFi Inc.
    • Cherry Technologies, Inc.

以上列出的公司并非依市占率排名，排名可能会根据研究过程中获得的资讯而有所变动。

第十五章：策略建议

第十六章：关于研究公司及免责声明

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