5 Best 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, thousands are bereft.

According to various reports, an IVF treatment costs around $12,000 to $17,000. Insurance coverage for IVF varies significantly by provider and state law, with some offering partial, full, or no coverage.

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

Fortunately, if you cannot pay the cost of IVF outright, 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.

Options for IVF Loans with Consideration for Bad Credit

1 – LightStream

LightStream provides fertility loans for treatments, including IVF. These loans can also be used to buy prescription medicine advised by fertility specialists.

This is what makes LightStream the top source of 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 the Trust and offers loans for multiple purposes, including fertility treatments.

However, you will need to apply for the loan personally. 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, ensuring 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, visit the LightStream official website at 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 effortlessly from the application stage to receiving the approved loan amount.

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

This is crucial to ensure complete confidentiality and streamline 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, offering a choice of flexible repayment conditions. The company provides fertility loans at 7.75% to 12.75% with a 60-month 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, visit CapexMD’s official website at 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 vastly differs from other lenders who restrict your loan amount in case of a low credit score.

This makes Avant the best choice for seeking an IVF loan with bad credit. Avant offers plenty of loan options that can be used for purposes other than IVF treatment.

Avant is mainly a general lender that 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, Avant loans have slightly higher interest rates, ranging between 9.95% and 35.99%.

The actual interest rate depends 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 and talk to customer care live.

Visit the official website at https://www.avant.com/ for additional details on eligibility criteria and the application process for an IVF loan with bad credit from Avant.

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 among the leading personal loan lenders thanks to its competitive interest rates. The lender does not charge fees or pre-payment penalties.

With SoFi, you can choose between a variable-rate or fixed-rate loan. Loan amounts can range, often up to $100,000, depending on the borrower’s creditworthiness and SoFi’s lending criteria. This IVF loan with bad credit can be used for fertility treatment or general purposes.

Highlights of SoFi:

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

  • Get pre-qualification for a SoFi medical loan without any obligation or damage to your credit score.
  • Receive fixed-rate loans with interest rates 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 fees or annual fees.

To learn further eligibility criteria and the application process for SoFi’s IVF loans, 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. Marcus by Goldman Sachs offers personal loans ranging up to $40,000, with the specific range and rates dependent on the applicant’s credit profile and other factors. 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 that make it one of the best lenders of IVF loans with bad credit:

  • Charges no fees and offers affordable interest rates between 6.99% and 19.99%.
  • It allows one-time payments and a reward to skip a month if 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 loan application process with Marcus, 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.

IVF Grants in the U.S.

See Also

Loans for Plastic Surgery With Bad Credit

Medical Loans for Bad Credit in the UK

Loans for Dental Work Bad Credit

What Credit Score Do you for a Medical Loan

Home Loans for Healthcare Workers

Current Version
January 19, 2022
Written By
Shubham Grover
March 28, 2024
Updated By
Andrea Morales G.

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