11 Loans for IVF

Loans for IVF (In Vitro Fertilization)

Loans for IVF have given hope to couples and individuals who are unable to conceive or have fertility issues that impact the ability to get pregnant.

The in vitro fertilization (IVF) process can be draining mentally, physically, and financially. The expenses, even if they are not successful, run more than $10,000.

The treatment involves several cycles of hormonal use and embryo implantation, which makes it costlier. So, if high costs are a barrier to treatment, consider taking loans, which can be quite helpful.

Loans for IVF – Financing the Fertility Treatment

Fertility treatments can be as expensive as paying for college fees or purchasing a new car, for which people consider obtaining loans.

The average cost of IVF is between $10,000 and $15,000, according to the Society for Assisted Reproductive Technology.

Most insurance plans offer limited or no coverage for IVF, so pursuing this treatment might lead to large out-of-pocket expenses.

The overall cost of IVF can vary by provider, geographic location, medications, and more. Additionally, the overall costs increase with several couples who undergo several IVF cycles to conceive successfully.

Therefore, it has been recommended that a prospective IVF clinic be consulted regarding potential costs. It can help to understand each aspect of costs better, including:

  1. Pre-IVF testing or consultations
  2. Blood Testing
  3. Preservation of extra embryos
  4. Storage fees for additional embryos
  5. Embryo transfer
  6. Pregnancy testing
  7. Ultrasound monitoring

Besides this, the additional costs may include medications required to encourage egg cell production.

Fortunately, the loans pay for IVF outright. There are ample options, such as a specialized fertility financing company that offers healthcare loans or general personal loan lenders that provide funds that can be used for any purpose.

There are potential financing options; it is important to determine the most effective option.

IVF Loans at Fertility Clinics

Some fertility clinics do not directly offer loans but do facilitate access to financing through partnerships with lenders or offer in-house payment plans. It breaks up fertility treatment costs into installments that can be paid over a certain period.

Some IVF Clinics contract with specific loan companies or recommend financing.

Sometimes, these lending companies can be most beneficial as they may pass greater cost savings regarding better payment plans with lower interest rates.

Loans for IVF – Financial Relief for Fertility Treatment

The infertility financing programs help pay for reproductive health medications and medical treatment. Check out the program details and loan options to determine the right option.

1. Ally Lending

Ally Lending understands the personal journey towards parenthood. Fertility care offers affordable financing solutions, making it easier to cover every step of IVF treatment, genetic testing, medication, and more.

A credit check is typically required to qualify for financing options like those from Ally Lending, although specific terms can vary.

The loan term ranges from 24 to 84 months, where flexible payment options are available. The annual percentage rates (APR) range between 3.99-21.99%, and the loan amount ranges from $750 to $40,000

There is no application fee. Also, no down payment is required, and there is no penalty to pay off early.

For more information, visit https://www.ally.com/personal-loans/medical-loans/fertility-financing/

2. ARC Fertility Program

ARC Fertility (Advanced Reproductive Care, Inc.) is a network of fertility clinics that offers financing and discounted treatment packages.

  1. ARC One, Two, or Three-Cycle Plus packages include three live and three frozen cycles.
  2. If live birth is achieved in the ARC Success Program with two or three cycles, the patient receives a refund for unused cycles.
  3. Through the ARC Pharmacy Plan, the patient is offered the ability to purchase and finance fertility medications.
  4. Package pricing is available for embryo freezing, egg freezing, egg donor package, ICSI, gestational carrier package, PGS/PGD, IUI, tubal reversal and urological services.

ARC financing and treatment packages are available at clinics within the ARC network. The rates and eligibility for fertility financing depend on credit history.

The interest rates vary from 4.99% to 24.99%, and loan terms range from 24 to 72 months. ARC Fertility offers loan amounts ranging from $2,000 to $50,000.

To apply for financing or to learn about specific packages, visit www.arcfertility.com


BUNDLE offers patients the option of IVF cycles that best suit their clinical and financial needs. Combining multiple fertility treatments into a single package takes the financial stress out for one reduced, up-front cost.

Also, in cases where the treatments are unsuccessful, the Bundle refunds some part or part of it.

For more information, visit www.bundlfertility.com

4. CapexMD

CapexMD provides patient financing services for fertility treatment options. The availability of an easy loan process makes it possible to achieve the dream of having a family. It offers to finance for genetic testing and fertility medications.

The loan term ranges from 12 to 48 months, and the loan amount ranges from $2,500 to $25,000.

The application fee is $25, which is non-refundable. It also includes a $75 document preparation fee and an additional $15 document preparation for every $1,000.

For more information, visit www.capexmd.com

5. CNY Fertility Fertile Financing Program

CNY Fertility offers to finance up to two years for treatments, including IVF, IUI, FET, Vasectomy Reversals, Donor Eggs, Tubal Ligation Reversals, and more.

To be eligible, the patient must have an active credit or debit card and should get the treatment done at CNY Fertility.

For more information, visit https://www.cnyfertility.com/affording-treatment/payment-plans/

6. EggFund Fertility Loans

EggFund helps Americans with infertility to have a family. It works with vetted financial partners to offer affordable loans for IVF, egg freezing, surrogacy, and adoption.

The financing options are available for testing, medical treatment, and medications.

To be eligible for a loan, you must have a minimum credit score of 660. The amount ranges from $5,000 to $100,000. No application fees are required.

For more details, visit https://www.myeggfund.com/fertility-loans-even

7. Future Family

Future Family offers a new way to pay for egg freezing, IVF, and donor cycles. Customized monthly payment plans are offered to replace the big upfront cost of treatment.

Besides, it also provides lab and medication discounts, making the fertility experience stress-free and smooth.

A minimum of 680 credit scores is required to qualify. The loan rates range between 7.99% to 15.99%, and the loan amount is from $5,000 to $50,000. The money is paid within 48 hours after the approval of the loan.

For more information, visit www.futurefamily.com

8. WINFertilityRx

WINFertilityRx offers up to 40% savings on total prescription or fertility medications. The financing options help to pay for drugs. There are no financial criteria to participate. For more information, visit https://www.winfertilityrx.com/

9. SoFi Personal Loans

SoFi considers a credit score for loan determinations. Besides, employment history and income are also taken into account. It can be helpful for those with a bad credit history or those who want to opt for a fee-free loan.

Obtaining an IVF loan, SoFi offers up to $100,000 in personal loans. The finance rate can range between 5.99% APR to 20.94% APR, where the loan term rates vary from 2-7 years. For more information, visit https://www.sofi.com/personal-loans/

10. NewLife Agency

NewLife Agency offers assistive reproductive loans, promising confidential, personalized, and stress-free experiences.

The loans are offered for infertility services such as IVF, surrogacy, and the complications arising from an egg donor or egg donor recipient.

The loan amount ranges between $5,000 to $100,000 at NewLife Agency, with financing options available for various services.

The APR is at least 5.99%, and the term falls between 24 and 84 months. For more information, visit https://www.newlifefertilityfinance.com/

11. Prosper Healthcare Lending

Prosper Healthcare Lending offers healthcare loans for up to 84 months.

They offer financing for fertility treatment, including IVF, male infertility treatments, egg and embryo freezing, intrauterine insemination, and medical treatments for reproductive disorders.

The interest rate for a “standard” 60-month loan ranges from 7.95% to 36%, where the maximum borrowed amount is $100,000.

The minimum credit score required is 640. A credit score above 740 makes a person eligible for the lowest rates.

The amount is transferred within some days of approval of the loan. For more information, visit https://www.prosperhealthcare.com/


There are various options available to get loans for IVF. Check out the best companies that offer minimum credit score requirements, ease of application, loan terms, annual percentage rates, and maximum and minimum and loan rates.

Consider exploring grants for IVF as an option to mitigate financial hardship before opting for loans.

It is recommended to apply for the ones that provide insurance protection, medical expenses, and minimal fees to keep the upfront expenses low. Apply wisely!

IVF Grants in the U.S.

See Also

How Much Does IVF Cost?

Does Medicare Cover IVF?

Does Medicaid Cover IVF?

Instant Loans for Medical Emergency

Medical Loans for Bad Credit

IVF Due Date Calculator

Does Walgreens Deliver Prescriptions

Current Version
May 17, 2021
Written By
Victoria Abigail Friedland
April 23, 2024
Updated By
Andrea Morales G.

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