IVF loans are a type of funding specifically designed to help patients finance IVF and fertility treatments. IVF loan providers offer a variety of repayment options and terms, making it possible for patients to find a loan that fits their budget and needs. These types of loans can be used to cover the cost of IVF medications, medical procedures, fertility testing, and other associated expenses. Some IVF loan providers also offer financing for egg freezing and embryo storage.

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What is an IVF loan?

In vitro fertilization (IVF) is an expensive procedure that can cost upwards of $20,000 per patient. For prospective parents struggling with fertility issues, that’s a small price to pay. Unfortunately, many of them don’t have the funds, so they need to seek outside financing. IVF loans are installment loans that can provide the lump sum they need.

How do they work?

IVF loans are personal installment loans. That means they are unsecured, and the interest rate is fixed throughout the life of the loan. Borrowers are not required to post collateral. Lenders approve or deny the loan application based on credit score and credit history. These types of loans are offered at traditional banks, credit unions, and online lenders.

Average cost of IVF and fertility treatments

A single cycle of IVF treatment costs roughly $12,000, but that doesn’t include prescription drugs that might be required, genetic testing of the embryos, and surgical procedures to extract the sperm. With those costs added in, the price could easily escalate to over $20,000. If a second cycle is required, expect to spend another $6000 to $8000 for that.

How do I use personal loans for IVF treatment?

Loans for IVF treatments fall under the category of “medical loans,” which are a type of personal loan. That means the borrower is not restricted in how they spend the funds. An IVF loan can be used to pay for the treatment itself, prescriptions, testing, other procedures, or even transportation to and from the facility where the treatment is being performed.

Where do I get a personal loan for IVF treatments?

Loans for fertility treatment can be obtained at a local bank, a credit union, or through an online lender. Applicants will be screened based on their credit score and credit history, both of which will help the lender determine what your interest rate and terms of the loan will be. Low credit scores do not necessarily mean you’ll be denied an IVF loan.

Reasons you may need loans for fertility treatment

The IVF process can get complicated and there are no guarantees it will work the first time its tried. Participants may need to go back for a second or even third cycle before they see positive results. That type of dedication requires funding. A personal loan for IVF is a good way to stretch out the costs of these procedures while prospective parents are going through it.

Other considerations for IVF financing

Engaging in IVF treatment cycles is time consuming. Trips to the doctor for testing, the procedures themselves, and follow-up visits mean time off work that may be paid or unpaid. There’s also the issue of transportation, which is getting more expensive every day. Medical loans for IVF can help alleviate some of the financial strain of these.

When is it right to get a loan for IVF treatment?

Personal loans come with interest rates, so it’s best to check into no-interest alternatives before applying for one. Zero-interest credit cards are a good option if you can find one with a high enough credit limit to cover all your costs. There are also several IVF grants and assistance programs available. Ask your health care provider about them.

Who are IVF loans best for?

IVF loans are best for people who are unable to qualify for IVF grants and don’t have the cash to pay for the IVF procedures out of pocket. It’s best to shop around to find the best personal loan offers available. Interest rates and terms will vary from lender to lender, so be prepared to spend some time doing your research. These procedures are costly, so you’ll need help.

Is a fertility treatment loan a good idea?

This is a question that only you and your medical provider can answer. Fertility treatments have been in use for a long time, with many positive results reported. Read as much as you can about IVF and speak with others who have been through it if that’s an option. There are also several online sources where you can learn more about IVF and IVF funding.

Pros and cons of IVF loans

Set monthly paymentsOrigination fees up to 8%
Fixed payment and payoff datesHigh credit score required
Low interest rate for high credit scoresAmount may be more than you need

The pros and cons of IVF loans are the same as they are for any other personal loan. Borrowing money is taking on new debt that creates a financial liability. The reward of course is the possibility that you could have the children you always wanted.

Alternatives to IVF loans

Medical procedures are expensive, and patients can’t always afford them out of pocket, but IVF loans aren’t the only way to pay for IVF treatments. You could always pay cash of course, but in lieu of that you might want to consider one of the following:

1. HELOC or home equity loan

Homeowners can use the equity in their home to take out a home equity loan or home equity line of credit (HELOC). This is essentially taking a second mortgage out, so consider it carefully before going this route. Defaulting on your payments could mean loss of your home.

Related: Home Equity Loans vs. HELOC

2. HSA or FSA

An HSA (health savings account) or FSA (flexible savings account) can both be used to pay for IVF fertility treatments. The former is controlled by the patient. The latter is owned by the employer. Check your account terms for guidelines on how to use these funds.

3. Zero interest credit card

Using a zero-interest credit card is like getting a loan from the bank without an interest payment. This is an option that’s usually limited to those who have high credit scores. Search online for “zero-interest credit cards” and do the pre-application to see if you qualify.

4. Credit union loan

Credit unions are often better options for loans if you are a credit union member. They may also be able to help you find alternative sources of financing that are available to members only. Ask for a rate on an IVF loan and compare it to traditional banks and online lenders.

5. IVF grant or Fertility grant

There are several grants available for IVF treatments. Research the Nest Egg Foundation, the Compassionate Care Program, the Baby Quest Foundation, The Tinina Q. Cade Foundation, and Hope for Fertility. They each have grants available specific to IVF participants.

6. IVF payment plan

Some fertility clinics offer their own internal financing systems. These payment plans could help distribute the cost of the IVF treatment across several months or years. There may be interest rates or fees on these plans, so read the terms and conditions carefully.

7. Savings account

If you have the savings to cover the cost of fertility treatment, it might be better to use those than to take out a loan. Weigh the difference between what you’re making on interest on those savings and what you’ll pay in interest for the loan.

How an IVF loan will impact your credit score?

Taking out a loan doesn’t impact your credit score too much. You may lose a couple of points during the application process because of the hard inquiry the lender does, but you’ll gain those back and then some when you make your payments on time each month.

IVF loans for bad credit

Having a low credit score will not necessarily disqualify you for an IVF loan, so don’t give up if you’re refused the first time you apply. There are many lenders online who specialize in bad credit borrowing. Interest rates might be higher and there could be some fees involved, but there’s likely a lender out there who can help you get that IVF loan you need.

Pros and cons of IVF loans for bad credit

Approved funding for IVFExpensive loan origination fees
Costs for IVF are spread outHigh interest rates for bad credit borrowers
Fixed monthly paymentsHigh monthly payments

Taking out a loan with a bad credit score is a win for the borrower because they likely didn’t expect to get approved. In the long run, that may not be such a good thing. Here are the pros and cons of getting a bad credit loan for IVF.

How do I qualify for a fertility treatment loan?

Qualifying for a fertility treatment loan will be a process that involves applying and having your application screened by the lender. They’ll be looking at your credit score, your credit history, and your verifiable income. If these three factors fit their lending criteria, you’ll be approved for an IVF loan. If not, you may need to find another lender or alternative source of financing.

How do I compare IVF loan lenders?

The best way to compare IVF lenders is to fill out an online application for a loan and let the internet do its work. Most online lenders offer pre-apps that don’t hurt your credit score, then they shop your loan request around to find you the best deal. You should receive several offers that you can compare by interest rate, fees, and terms.

How do I apply for IVF loan?

You can apply for an IVF loan in person at your local bank or credit union. You can also apply online. Be prepared to provide all your personal information, including name, address, phone number, email address, social security number, and proof of income. If you’re applying online, have digital copies of your driver’s license and recent W2 forms handy to upload.


Yes, many people require a personal loan so they can afford to pay for IVF treatments.

Traditional lenders prefer scores of 670 or better. Online lenders are more lenient.

No. You may lose a few points during the approval process, but consistent on-time payments on the loan should eventually raise your credit score.

The cost of an IVF loan is the total interest you will pay over the life of the loan added to any origination or processing fees.