5 Best IVF Loans with Bad Credit

IVF Loans with Bad Credit IVF Loans with Bad Credit

IVF Loans with Bad Credit

In-vitro fertilization (IVF) has become increasingly common today. However, despite tens of thousands of women undergoing the procedure, there are thousands more who are bereft.

According to various reports, the average cost of an IVF treatment is around US$ 10,000 to US$ 15,000. Most insurance providers offer only partial coverage or no coverage at all for IVF treatment.

Hence, if you choose to undergo IVF you should be ready to pay extensive out-of-pocket expenses.

Fortunately, if you are unable to pay the cost of IVF outright, then you may still be able to undergo the treatment. Firstly, you can borrow the required amount from a specialized fertility financing company.

You can choose to get loans from lenders that offer healthcare loans. You can also approach a general personal lender who provides loans for IVF with bad credit.

Best IVF Loans with Bad Credit in 2021

Here’s a list of the best IVF loans with bad credit for 2021:

5 Best IVF Loans with Bad Credit

5 Best IVF Loans with Bad Credit

1 – LightStream

LightStream provides fertility loans that can be used for treatments, including IVF. This loan can also be used to buy prescription medicine advised by the fertility specialist.

This is what makes LightStream top the list of the best sources to get IVF loans with bad credit in 2021.

Although LightStream is not exclusively a fertility lender, it does offer incredibly efficient loans with fast approval. The company disburses the approved loan amount on the same day. The company is part of Trust and offers loans for multiple purposes, including fertility treatments.

However, you will need to apply for the loan personally. This is because LightStream has not collaborated with fertility treatment clinics.

Highlights of LightStream

Here’s what we liked the most about IVF loans with bad credit from LightStream:

  • You can submit applications online confidentially using a computer or mobile device.
  • You can receive fertility loans ranging between US$ 5,000 to US$ 100,000 at a competitive rate of interest.
  • The lender does not charge any fees.
  • You can avail of the US$ 100 loan experience guarantee which ensures your satisfaction with the process.
  • You can receive the approved loan amount on the same business day.

For additional details on eligibility criteria and the application process for this loan, you can visit the LightStream official website by clicking the link https://www.lightstream.com/.

2 – CapexMD

CapexMD is a fertility loan specialist. As it is not focused on general personal loans, CapexMD offers the most streamlined loan application process.

You can move from the application stage to receiving the approved loan amount effortlessly.

CapexMD has partnered with several leading fertility clinics and pharmacies across the United States.

This is crucial to ensure complete confidentiality and streamlining of the entire loan process. You can easily apply for the loan online and receive the lender’s decision within a day.

The company offers fertility loans at a competitive rate. Hence, you get a choice of flexible repayment conditions. The company provides fertility loans at 7.75% to 12.75% with 60 months repayment period.

Highlights of CapexMD

Here’s what we liked the most about CapexMD as a fertility lender:

  • Specialized IVF lender in collaboration with numerous fertility clinics and pharmacies.
  • A fertility loan from CapexMD can be used to pay for IVF, medication and third-party services, such as surrogates and egg donors.
  • Competitive interest rates and no annual fees.
  • Effortless and confidential online application process with a decision provided within 24 hours.

For additional details on eligibility criteria and the application process, you can choose to visit CapexMD’s official website by clicking the link http://www.capexmd.com/.

3 – Avant

Avant offers IVF loans with bad credit. It provides loans up to US$ 35,000 to borrowers with low credit scores. This is vastly different from other lenders who restrict your loan amount in case of a low credit score.

This makes Avant the best choice to seek an IVF loan with bad credit. There are plenty of loan options offered by Avant which can be used for purposes other than IVF treatment.

Avant is mainly a general lender, which offers sufficient loans to individuals with bad credit scores. The company offers loans to people with a credit score as low as 580.

The US$ 35,000 maximum loan amount from Avant helps you cover expenses of IVF cycles and any medications or add-ons.

Owing to its subpar credit, the interest rates for Avant loans are slightly higher. These can range anywhere between 9.95% and 35.99%.

The actual rate of interest is dependent on your FICO score, income and debt-to-income ratio. You can apply for Avant’s IVF loan with bad credit using its online services.

Highlights of Avant

Here are the things we like the most about Avant as a lender for IVF treatment:

  • Borrowers with a credit score of 580 can successfully receive an IVF loan.
  • Funds are disbursed the very next day after successful application.
  • Avant offers a full-featured Android app to apply and manage your account, as well as talk to customer care live.

For additional details on eligibility criteria and the application process for IVF loan with bad credit from Avant, you can visit the official website at https://www.avant.com/.

4 – SoFi

SoFi offers IVF loans at low rates. The reason is that it offers borrowers the ability to get lower rates than other lending options to undergo IVF treatment.

The company is popular as one of the leading personal loan lenders thanks to its competitive interest rates. Apart from this, the lender does not charge fees or pre-payment penalties too.

You can choose between a variable or fixed-rate loan with SoFi. You can borrow anywhere between US$ 5,000 to US$ 10,000. This IVF loan with bad credit can be used for fertility treatment or general-purpose.

Highlights of SoFi:

Here are the things we like most about SoFi as a provider of IVF loans with bad credit:

  • ere’Get pre-qualification for SoFi medical loan without any obligation or damage to your credit score.
  • Receive fixed-rate loans with interest rates ranging between 4.99% and 19.35% APR.
  • You can also seek variable rate loans with SoFi.
  • You do not have to pay origination fees, late fee or annual fees.

To know further details of eligibility criteria and application process for IVF loans from SoFi, you can visit their official website at https://www.sofi.com/personal-loans/.

5 – Marcus (Goldman Sachs)

Marcus, by Goldman Sachs, offers personal loans at competitive interest rates. It also offers unique perks, including the ability to skip a payment after making 12 payments on time. These features make the lender compatible with people with different loan requirements.

Marcus is considered to be one of the best general personal lenders. The company does not charge fees on its loans. You will not incur any prepayment penalties with Marcus loans either.

The company offers flexibility to borrow. It offers loans ranging between US$ 3,000 and US$ 40,000 at fixed rates. This makes Marcus’s loans easier to pay off. The company also offers personalized rates and terms.

The application process is online and takes roughly five minutes. You can expect to get a decision from the company within 24 hours or less from the time of application.

Highlights of Marcus

Here are the aspects of Marcus which makes it one of the best lenders of IVF loans with bad credit:

  • Charges no fees and offers affordable interest rates ranging between 6.99% and 19.99%.
  • Allows one-time payment, reward to skip a month of payment as long as you have made 12 regular payments.
  • The auto-pay discount of 0.25% is offered to reduce borrowing costs.

For additional details on eligibility criteria and the application process for a loan with Marcus, you can choose to visit their official website at https://www.marcus.com/us/en/personal-loans.


This is our list of the top five sources to seek IVF loans with bad credit. These lenders are incredibly popular for the unique advantages they provide to borrowers.

Feel free to visit the individual company’s official website to know the exact details of eligibility criteria and the application process.

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