Best IVF Treatment Loans For Fertility Financing

Last Updated on January 29, 2024 by Lori Pace

Struggling to fund IVF treatments? No need to stress. This article will show you the best loans for fertility treatments. Thus, removing the financial strain of having a baby. Get access to top loan providers and make your dream of parenthood a reality! 



SoFi is one of the best lending platforms that offer loans for IVF treatment and other fertility funding. They have competitive interest rates and flexible repayment options. This program is ideal for applicants with good to excellent credit scores.

Check out the key features of SoFi’s IVF treatment loans below:

TermLoan AmountAPR (Annual Percentage Rate)
24-84 months$5,000-$100,000Starting at 8.99%

PenFed Credit Union

PenFed Credit Union is a reliable financial institution that offers great deals for fertility financing. They have loans tailored to help individuals and couples who need IVF treatment. PenFed Credit Union knows the special issues of fertility treatments and offers comprehensive financial solutions.

IVF expenses can be complicated and stressful. PenFed Credit Union wants to make it easier with competitive interest rates and no origination fees. Their loan terms are flexible, so borrowers can find a plan that works for them.

TermLoan AmountAPR (Annual Percentage Rate)
12-60 months$600 – $50,000Starting at 7.74%

Bankers Healthcare Group

Bankers Healthcare Group has a wide range of loans with competitive interest rates and flexible amounts. They can help with personal loans to cover medical costs, business loans for fertility clinics, etc. Plus, they make the application process quick and easy – so you can focus on your patients, not paperwork.

TermLoan AmountAPR (Annual Percentage Rate)
60-120 months$20,000 – $200,000Starting at 12.99%

Best Egg

Best Egg stands out in the realm of fertility financing. It provides the perfect solution for those seeking IVF loans with quick disbursement. Best Egg is a top choice with great offerings and fair credit requirements. 

TermLoan AmountAPR (Annual Percentage Rate)
36-60 months$2,000 – $50,000Starting at 8.99%


LightStream offers specialized loans to aid individuals seeking fertility treatment. It is an online lender that offers same-business-day financing. LightStream offers one of the longest terms in the market, with a maximum loan term of 144 months.

TermLoan AmountAPR (Annual Percentage Rate)
24-144 months$5,000 – $100,000Starting at 7.99%

Rocket Loans

Rocket Loans is a great and cutting-edge financial option for people who need same-day fertility loans. You can also take advantage of their pre-qualification tool to easily determine eligibility. The agency provides loan options tailored to IVF therapies and other fertility-related medical costs

TermLoan AmountAPR (Annual Percentage Rate)
36-60 months$2,000 – $45,000Starting at 7.74%


Avant is the go-to for IVF treatment loans. They offer financing options to help couples with their fertility journey. Personalized loan terms and competitive interest rates make Avant’s loans accessible.

TermLoan AmountAPR (Annual Percentage Rate)
12-60 months$2,000 – $35,000Starting at 9.95%

Avant is one of the few lending agencies with lower credit score requirements. This agency considers accepting a minimum credit score requirement as low as 550.


The Lending Club offers competitive interest rates, flexible loan terms, and a streamlined application process. The biggest advantage of this agency is that it allows treatment bundles of up to four services in just one loan. Thus, making IVF treatments, genetic tests, and other cost of fertility treatments more accessible and stress-free.

TermLoan AmountAPR (Annual Percentage Rate)
36-60 months$1,000 – $40,000Starting at 9.57%


Upstart is the go-to platform for financing elective medical procedures, such as fertility treatment. This agency considers more than just credit scores. This means that other factors like educational background and study area are considered when deciding loan eligibility.

TermLoan AmountAPR (Annual Percentage Rate)
36-60 months$1,000 – $50,000Starting at 5.6%


CapexMD is one of the most popular leading agencies specializing in fertility-specific loans. The agency offers hassle-free financing for IVF and other aspects of treatment. It also gives its clients the ability to add fertility medications and genetic testing costs into its financing options.

TermLoan AmountAPR (Annual Percentage Rate)
24-60 months$2,500 – $25,000

NewLife Agency

NewLife Agency is a fertility-specific lender that promises professional & reliable fertility assistance. Offering comprehensive guidance and support with its free loan consultations. Making fertility treatment plan more accessible and affordable.

TermLoan AmountAPR (Annual Percentage Rate)
24-84 months$5,000 – $100,000


FutureFamily is a leading online resource for fertility funding. This agency offers personalized and accessible IVF treatment loans. One unique aspect of FutureFamily is that it enables applicants to include all third-party fertility bills into one loan plan. 

TermLoan AmountAPR (Annual Percentage Rate)
36-60 months$1,000 – $50,000Starting at 5.6%

The company also has a nurse concierge service that counsels couples and family members on fertility and health.

ARC Fertility

ARC Fertility is dedicated to helping you achieve your dream of parenthood. They make the process as smooth and stress-free as possible. ACE offers a very affordable 4.99% APR for short-term loans, the lowest rate in the market by far. Thus, this financing program makes it wallet-friendly, even if your ovaries can’t. 

TermLoan AmountAPR (Annual Percentage Rate)
24-72 months$2,000 – $50,000Starting at 4.99%

Other Alternative Fertility Financing Programs

Alternative fertility financing programs offer folks seeking financial assistance for IVF treatment various funding opportunities. Here’s a breakdown of some of them:

Credit Cards can be a lifesaver for covering smaller fertility expenses. The loan amount significantly depends upon your credit limit or credit card balance. Most banks offer 0% interest rates and installment programs that can help ease the financial burden. Plus, it’s a fast application process.

Credit Union Loan is an excellent option for existing credit union members. It is also ideal for people who have insufficient or bad credit histories. This loan often offers low-interest rates and flexible terms. 

Home Equity Loan is another option for financial resources if a personal installment loan is not feasible. In this case, your home or property is used as equity to your cash loan. 

These alternative fertility financing programs make IVF treatment more accessible by providing financial support. Individuals and couples can take steps towards achieving their dream without financial burden. To find the best fertility financing program, do your research, hope for luck, and don’t give up! 

How to Choose the Best Fertility Financing Programs

Picking the perfect fertility financing plan is a vital step in the quest for commencing or enlarging your family. Here are some factors to ponder when coming to this essential decision:

  • Interest rates: Examine the interest rates given by different lenders to discover the most budget-friendly payment plan option for you.
  • Loan terms: Seek flexible payment terms that fit your financial condition and let you conveniently settle the loan.
  • Loan amount: Weigh up the highest loan amount on offer through each program, making sure it will cover various fertility treatment costs.
  • Repayment options: Discover if the program offers varied repayment plans, like fixed or variable monthly payments.
  • Application process: Assess the simplicity and rapidity of the application process to reduce stress during a difficult time.
  • Additional benefits: Investigate any extra benefits or services each financing program provides, such as discounts on medications or counseling assistance.

Be aware that certain details may be dissimilar between fertility financing programs. So, dig deep and compare your choices before deciding.

Apart from considering the points noted above, you should also talk to people who have gone through similar situations. Their personal tales can offer priceless information into selecting a fertility financing program that best suits your needs. 

Frequently Asked Questions

1. How do IVF treatment loans work?

IVF treatment loans work in a similar way to other types of personal loans. After applying, you are approved for a specific loan amount, which can be used to cover the expenses related to your fertility treatment. You then make monthly repayments, typically over a fixed term, until the loan is fully repaid.

2. What are the benefits of IVF treatment loans?

IVF treatment loans provide several benefits, including:

  • Easy access to funds: IVF treatment loans ensure you have the necessary funds to cover your fertility treatment without delaying or compromising the process.
  • Flexible repayment options: Lenders usually offer flexible repayment terms, allowing you to choose a repayment plan that fits your budget and financial situation.
  • Specialized financing: These loans are specifically tailored to cover the unique expenses associated with IVF treatment, ensuring you have adequate funds for all process aspects.

3. How can I apply for an IVF treatment loan?

How Can I Apply For An Ivf Treatment Loan

To apply for an IVF treatment loan, you typically need to follow these steps:

  1. Research lenders: Compare different lenders offering IVF treatment loans, considering interest rates, loan terms, application fees, prepayment penalties, and any other applicable charges.
  2. Complete application: Fill out the loan application form provided by the chosen lender, supplying the required personal and financial information.
  3. Provide documentation: Submit any necessary documents the lender requests, such as proof of income or identification.
  4. Wait for approval: Await the lender’s decision regarding your loan application. This process can vary depending on the lender.
  5. Review and sign loan agreement: If approved, carefully review the loan agreement, including terms, interest rates, and any additional conditions. Sign the agreement if you agree to the terms.
  6. Receive funds: Once you’ve signed the loan agreement, the funds will be disbursed to cover your IVF treatment expenses.

4. Are there any specific requirements or criteria to qualify for an IVF treatment loan?

Specific requirements and criteria for IVF treatment loans vary among lenders. However, common factors considered during the approval process may include your credit score, income, employment stability, and debt-to-income ratio. Lenders may also require specific documentation, such as medical reports or treatment plans, to confirm eligibility.

5. Can I use IVF treatment loans for other fertility treatments?

While IVF treatment loans are primarily intended for in vitro fertilization, some lenders may allow you to use the funds for other fertility-related treatments. Before applying, it’s essential to check with the lender and clarify their loan usage policies. 


By bearing these aspects in mind and learning from others’ experiences, you can make an informed decision while choosing the ideal fertility financing program for yourself. Remember, this is a major step that can help you attain your ultimate goal of starting or expanding your future family.

So, always do your research and compare different providers before committing to any fertility financing option. Consider interest rates, repayment terms, and additional support services offered. This way, you can confidently start your fertility journey with the best possible option for your needs.

Lori Pace
Lori Pace

Lori Pace is a single mother of three daughters ages 7 and under. As a working mom from home, she balances kids, work and two crazy dogs with humor and love. Follow Lori as she honestly gives tips and advice based on her own experiences as a single mom!