미국의 코스메틱 파이낸싱 시장 평가 : 융자 유형별, 용도별, 최종사용자별, 제공자별, 지역별, 기회, 예측(2018-2032년)

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