Best IVF Loans: Top 15 Medical Loans and Personal Loans

Last Updated on January 21, 2020

Working with fertility treatment can be a costly experience for many individuals and couples. While some states do offer limited insurance coverage for infertility treatment and diagnosis, many others requires patients to pay out of their own pockets. To cover these costs, many people choose to opt for IVF loans offered by different organizations.

In many cases, patients may be able to apply directly for an IVF loan through their healthcare provider. Or they may turn to online lenders and banks for a traditional personal loan. For the most part, these fertility loans are designed to eliminate financial obstacles, allowing patients to budget wisely. These programs avoid cash flow problems and permit patients to hold on to their savings and investments.


IVF Loan Calculator

This IVF loan calculator will help you determine the monthly payments on a loan. Simply enter the IVF loan amount, term and interest rate in the fields below and click calculate.


Medical Loans for IVF

With a growing demand for IVF financing, many lenders have created specialized IVF loan programs. The loans are structured similar to personal loans and can be used to finance IVF procedures, applications and other procedures.

Some options for medical loans include the following:

1. Prosper Healthcare Lending

Prosper Healthcare Lending allows borrowers to get up to $100,000 and terms go up to 84 months for different fertility treatment needs including IVF medications, treatments and procedures.

This financing company also specializes in fertility treatment, offering longer terms for lower monthly payments with no collateral required. With Prosper Healthcare Lending, there are no prepayment penalties and the process is a fast and easy one. Applying for the fertility loan is a completely confidential process without affecting your credit.

The program charge no fees per funded loan and provides an instant decision for all patients.

>Prosper Healthcare Lending

Prosper Funding LLC
221 Main Street, Suite 300
San Francisco, CA 94105

2. Lending Club

This financing option offers medical loans for IVF and other procedures like PGD and PGS. With this loan, funds are wired directly to the clinic and there is a low APR and the process is 100% confidential.

With this program, patients can also finance treatment, medication, genetic testing and other related services. The company offers payment plans with one low monthly with loans going up to $50,000. The plans vary in flexibility and can extend up to 84 months. Lending Club doesn’t charge an application fee but does provide quick approval.

>Lending Club

Lending Club Patient Solutions
1700 West Park Drive, Suite 310
Westborough, MA 01581
Phone: (800) 630-1663
Fax: (508) 281-8505
Email: [email protected]

3. United Medical Credit

United Medical Credit financing provides IVF loans, egg and sperm freezing and other infertility treatments. The company offers loans of up to $25,000 for different fertility procedures. To facilitate the process, patients can choose form their various affordable monthly payment plans.

United Medical Credit also offers competitive interest rates, multiple long term plans and interest free financing for IVF.

>United Medical Credit

2100 Main St. Suite 350
Irvine, CA 92614
(855) 503-1800
[email protected]

4. CapexMD

CapexMD is a company specializing in IVF loans and other financing services for all infertility treatments. The company offers an easy to apply for loan process with competitive rates. With medical loans for IVF through CapexMD, patients can be sure to achieve their dream of having a baby.

The company can tailor a loan plan specifically to patients’ needs while also covering the cost of fertility drugs.


9907 E Bell Rd, #110
Scottsdale, AZ 85260
Tel: 888-497-8414
Fax: 480-907-1520

5. Compassionate Care

This medical IVF loan program is devised to assist patients who are not insured and fall in a certain income bracket. Qualified patients can use this program for multiple IVF cycles each year. They can also save between 20%-75% off the price of medicine at participating pharmacies.

Other services include receiving a 10% discount per unit through mail in rebate.

>>Compassionate Care

6. American Medical Loans

Patients without an insurance plan to cover the cost of IVF can approach American Medical Loans. The company offers a loan that offers fast financing that can be used for any fertility treatment and all related expenses. The program also covers other fertility procedures like IUI, ICS, fertility drugs and reproductive surgery.

This medical loans for IVF financing option allows patients to spread the cost of treatment over several years. The process is an online application that gets quick access to IVF financing.

>>American Medical Loans

7. New Life Fertility Finance

New Life Fertility Finance offers financing options for all ART insurance needs including medical loans for IVF. Other services include surrogacy and fertility medication through Walgreens pharmacy.

Individuals and couples with good to excellent credit can apply for a loan. The process is an online application that provides funds for fertility treatment. The loan may range from $5,000 to $ 100,000 at low fixed rates.

This is an unsecured loan with no liens and collateral requirements. Upon submitting an application, patients receive a response quickly. Once an application gets approved, funds are deposited directly into the client’s bank account.

>New Life Fertility Finance

79301 Country Club Drive Suite 202
Bermuda Dunes, CA 92203
Phone: 877-952-LIFE (5433)
Phone: 760-870-7070
Fax: 877-952-5589
Email: [email protected]

8. WINfertility

WINFertility works with some of the most reputable financial companies offering competitive rates and payment terms. The company can assist infertility patients with limited insurance. Loans are also available for patients who have run out of their benefits.

Medical loans from WINFertility may be used for either fertility medication or fertility treatment. Their financing options include terms of up to 5 years. Also included are APR rates starting at 6.75%, and both unsecured and secured loans.


9. MedLoan Financing

MedLoan Financing provides financing for a number of medical needs including medical loans for IVF. The company provides the financial tools to help pay medical bills including benefits like no money down and interest free medical options for 12- 21 months.

The company works with people of all credit histories finding a suitable fit for everyone. It also caters to people with average to poor credit providing program options that suits their circumstances.

Interest rates vary based on previous credit scores, selected loan term and amount. Patients with excellent credit ratings qualify for extra low interest rates to apply.

>MedLoan Financing

Med Loan Finance
10515 W. 148th Terrace
Overland Park, KS 66221

Phone: 800-504-4053
Fax: 800-555-8122
Email: [email protected]

10. LightStream Financing

LightStream Financing offers funding for all aspects of fertility treatment. The company also provides fixed interest rates and flexible loan terms. Their program has no fess, including no origination, application, prepayment or penalties. The IVF loan system is a fast and easy application process with quick approval and activation.

Patients are funded directly and the loan money goes into the account the same day. Benefits include unsecured, lien free, no collateral and no equity required.

Medical loans for IVF are available from $ 5,000 to $ 10,000. Loan terms vary between 2 to 7 years. To qualify for a loan, patients need to show 5 or more years of positive credit history. They also need to have a stable income and money in savings.

>>LightStream Financing

11. Medical

Medical offers affordable loan options for IVF with financing available up to $ 35,000.

Their loan program offers different affordable payment options with no prepayment penalty. There are a number of financing plans to choose from and even subprime financing is available for less than perfect credit. It can range from $1,000 to $ 35,000 and can be set up with fixed financing terms.


15303 Ventura Blvd. #850
Sherman Oaks, CA 91403
Phone: 1-888-502-8085
Email: [email protected]

12.Fertility Finance

Fertility Finance offers a wide range of loan options. The company provides specialized  medical financing services for IVF loans and other areas of infertility treatment. Every  programs can be customized to fit the patient’s needs and circumstances.

The company partners with established fertility specialists like Shady Grove Fertility to provide exceptional services. Infertility services can be accessed with an easy and secure online application, no annual fees, competitive rates and flexible terms.

>Fertility Finance

Fertility Finance Corporate Office
9907 E Bell Rd, #110
Scottsdale, AZ 85260
Tel: 888-497-8414
Fax: 480-907-1520

Personal Loans for IVF

Another popular option to finance treatment is to take a personal loan for IVF. A personal loan is a form of installment loan with a fixed rate. It may involve a fixed payment and certain terms that can range over a few years. With this kind of loan, the longer the term, the higher the interest rate. This happens as there is an extended risk assumed by the lender.

Unsecured personal loans for IVF do not require collateral but do require borrowers to have a good credit history. Also required are a stable income and a steady job. Patients may also exhibit financial responsibility by showing willingness to put their own money into the treatment.

Patients who have excellent credit scores cab benefit from lower rates. Others with less than good credit may have to pay higher rates. So before applying for a personal loan, it is very important to be sure of your credit standing. Most lenders will provide guidelines for rates that patients can qualify for.

Some established personal IVF loans options include the following:

1. SoFi

SoFi offers personal loans for IVF starting from $5,000 to $ 10,000 to cover medical expenses. Loan terms range from 3 and 5 years to 7 years. This financing option provides both fixed and variable interest.

With a variable interest loan, patients’ interest fluctuates based on an index. There is however, a variable interest cap for personal loans for IVF. A fixed loan allows the rate to stay the same throughout the entire term and may be a better option for most people.


2. Earnest

Earnest offers loans from $2,000 to $ 50,000. Loans have competitive interest and a streamlined online application process. They are available for 1, 2 and 3 year terms and has no origination or application fees.

The company does take a look at the patient’s financial profile including saving habits an earning potential.

Most approved applicants are employed or can show a month’s worth of expenses in savings. The loan can be used for any medical need including IVF treatment.


3. Upstart

Upstart has personal loans from $1,000 to $ 50,000 that can be used to cover medical expenses. It can also be used for procedures like IVF and other fertility treatments. Loans for IVF are available for 3 and 5 years. Upstart looks at the patient’s credit history to determine qualification.

Applicants need a minimum credit score of 640 to qualify for this loan. There is no associated origination fee, but there is a processing fee.


Talk With Your Infertility Clinic

Some finance companies work directly with infertility clinics. This option provides in house lending solutions to patients allowing them to apply directly at their doctor’s office.

Patients need to consider what type of services the IVF loan covers.  For instance, some companies provide loans for different healthcare needs while others focus solely on fertility treatment. Many loans are devised to collect fixed monthly payments over the span of several years. There may also be some payment penalties linked with the loan so it is important to verify this first.

The infertility clinic can give more information about which loan company for IVF they work with. Patients can also look up other treatment providers on the company’s website.

As a final word, IVF loans are gaining popularity as an option to pay for the cost of IVF treatment. But patients need to think about long term consequences and debate whether they can pay off the loan realistically.