According to IVF 4 Everyone, a fixed rate, personal loan is one of the best ways to pay for infertility treatment.  There no collateral or down payment required and the money you receive can be used to pay for the procedure itself, along with any unexpected fees.

They advise, in order for your loan application to have the best chance for success, you need to have the following documents ready when you apply: Copies of your most recent bank statements, copies of your most recent pay stubs, a copy of your IVF cost quote.

Credit Cards

AcessOne MedCard
AcessOne MedCard is a credit card available for patients to use to pay for their healthcare expenses. 
AccessOne® offers every cardholder a choice between 12 equal monthly payments with no interest or an affordable, low interest option.  There are no annual fees or pre-payment penalties.  No patient will be denied financing with AccessOne MedCard, regardless of their situation or the size of their bill or their credit rating. We don’t credit report, which means a patient’s credit rating is not a factor in receiving the credit card nor is it ever adversely affected.


American Benefit Credit

A well known financing company offers loans with 24, 36, 48, 60 & 72 month plan options.  In addition, they finance from $1,000 to over $100,000 with interest rates from 1% APR* (Secured Loans offer lower rates). 

CAPEXMD specializes in providing patient financing services for all fertility treatment options. Our easy, convenient loan process and competitive rates ensures that the financial aspects of treatment are not an obstacle to achieving your dream of a family. CAPEXMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Once you meet your physician, receive a treatment plan and estimated cost, you are ready to apply. Funding
for fertility treatment will be sent directly to your physician within 2 business days of your loan acceptance.

Another service that doesn’t provide a whole lot of information on its website. They offer:

Convenient minimum monthly payments

Quick and simple application process

Instant credit decisions

Accepted by Physicians Everywhere: The CosmetiCredit program is available in all 50 states

Physician Pre-Payment: Cosmeticredit can pay the doctor up to 2 weeks prior to your procedure

EggBanxx offers a fertility preservation plan to make egg freezing affordable to all women choosing this elective procedure. You can apply for low interest financing to cover both treatment and the cost of meds with terms up to 84 months and no prepayment penalties. Contact EggBanxx for more information via their website, email or 855-552-2699.

Fertility Financing

Prosper Healthcare Lending provides fertility financing and IVF loans for treatments, procedures, and medications, including but not limited to IUI, IVF, ICSI, Medical Treatments for Male and Female Reproductive Disorders, etc. You can finance up to $100,000 and terms go up to 84 months.  Visit their website to learn more about their financing and application process.

Fertility and Reproductive Financing Program

This program provides financing for fertility expense including medical treatments and procedures, and medications. Patients can receive fertility financing of up to $100,000, term options up to 84 months, without pre-payment penalties. If you apply online, patients can receive immediate decisions for loans under $35,000.  Patients must meet criteria for loan in terms of credit score, annual income, etc.  Patients must go through a fertility clinic enrolled in the American HealthCare Lending (AHCL) program.  You can contact AHCL to learn if your clinic qualifies via the web, call 888.602.6066 or email

Hebrew Free Loans

Health Care loans up to $15,000, assist people with medical costs beyond what insurance will cover. Individuals or family members may also apply for these loans to help cover the costs of fertility treatments.  The application process is online.  Repayment will begin approximately 30 days after the loan is disbursed.

Lending Club

This site offers an array of medical financing options, with an easy online application. Approval is often instantaneous. (they want to make it as easy as possible to take their money) Highlights of the service are below.

interest rates ranging from 3.99% – 19.99% APR based on the amount financed and applicant’s credit history

Sample monthly payment – As low as $102 a month for a $5,000 case at 7.99% APR over 60 months

loans $2,000 – $50,000

Payment schedules ranging from 24, 36, 48, 60, 72 or 84 months

Interest free loans available

Monthly payments as low as $25 or 4% (whichever is greater)

Lightstream (Division of Sun Trust Bank)

Rates for each loan and term combinations vary based on your credit profile.  Amounts range ($5k – $100K), loan terms 36, 48, 60, 72, 84 months, fixed percentage rates 5.99% – 9.99%.  Can be used for medical or adoption expenses.

MedLoan Financial
MedLoan Financial offers loans for infertility treatment. Their benefits include amounts ranging from $500 to $100,000, lowest interest rates available, 6-21 month interest free, and no pre-payment penalty.  Visit their website to learn more.

This site promises to make obtaining medical financing easy, with a simple online application that you can fill out. They will then contact you and discuss the details on what they are willing to offer you. Highlights of the service are detailed below

Low rates starting at 7.24% to 22.99%

Payment schedules vary from 12 to 84 months, with no prepayment penalty

Interest free & Same as Cash options available

Loans up to $30k

Payments as low as 1% of your balance

1% cash back rewards program

Prosper Healthcare Lending

Immediate decisions for loans between $2,000 and $35,000

Longer terms for lower monthly payments

No collateral required

No prepayment penalties

Fast and easy loan inquiry process

100% Confidential

United Medical Credit

Another service catering to all sorts of medical loans. They offer an online application, although don’t say anything about instant approvals. They are quite vague with the details of their loans – saving those juicy details till they get you on the phone. More details below:

no mention as to what their interest rates are, although they call them “competitive”

Multiple loan term plans to choose from, with no prepayment penalty

Loans up to $20k

Same as cash financing options

Interest free financing options


Growing Family Benefits
A nicely organized resource describing the different financing options for couples seeking funding for infertility treatment.


The Financial Options webpages are made possible by the generous support of Boston IVF.

Fertility Within Reach and Boston IVF are not endorsing organizations/products, but rather providing the most up-to-date and extensive list of funding options available to infertility patients.

Comments (5)



    How much do I have to make a year, credit score high or low, grant or loan
    and how long will the wait be? How much to repay.


    • Davina Fankhauser


      Hi Andrea,
      Fertility Within Reach does not provide loans or grants. We share the many resources available where you can apply for grants or loans. Each nonprofit offering grants and each company offering loans has different requirements for their application process and services they provide. For example, some grants allow you to seek treatment with a doctor you know while others want you to receive treatment at the clinic they are connected with. Loan programs may very in your income requirements or the percentage rates you have repay with your loan. Reviewing these resources will help you decide which option is the best for you to use when trying to fund your treatment.

      You can learn more from our website section on Financial Assistance,

      We wish you all the best. Please let us know if there is anything else we can do to assist you.

      All my best,


  • Tina Collins


    I have low income and bad credit. how can I get a loan to help me get pregnant. I’m 43 and don’t have long2


    • Davina Fankhauser


      Hi Tina,
      Thank you for reaching out.

      Our Financial Assistance section is full of information and resources related to financing, grants and fundraising. These pages have resources which you could try to see if they could help you. There might be other options for you if you are unable to get a loan.

      I wish you the best in your attempt to afford infertility treatment. Please let me know if there is anything else I can do to assist you.

      All my best,




    i am a woman of 30 years old . I am a Tanzanian. I dont have child upto now I am looking for financial aid in order to get IVF TREATMENT. I am living in Tanzania.


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