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Where Can I Go to Finance Fertility Treatment?

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Special fertility financing plans may be available through your fertility clinic or from an independent organization that structures financial products for the infertility market.

There are often specific eligibility requirements for most of these fertility financing plans and programs.

ARC Affordable Payment Plan
Patients whose fertility doctors are members of ARC (Advanced Reproductive Care) can apply for financing through the ARC Affordable Payment Plan. Eligible expenses include infertility treatment, fertility drugs and lab fees with participating or affiliated ARC practices. Lab services done outside the fertility doctor’s offices are not eligible for this financing product.

CapexMD has partnered with the most prestigious Fertility Practices in the USA, to offer patients customized loan programs to help ease the financial stress of treatment. CapexMD specializes in providing patient financing services for all fertility treatment options. With their easy loan process and highly competitive rates, CapexMD ensures that the financial aspects of treatment are not an obstacle to achieving dreams of a family. CapexMD offers a wide variety of loan options, including medication financing, to make fertility treatments more affordable.

Patients can apply to CosmetiCredit for financing for fertility treatments like ART, IVF, sterilization reversal, and vasectomy reversal. The APR depends on credit score and ranges from 11.99 percent to 24.99 percent. offers financing for fertility treatments, including GIFT, ICSI, and ZIFT. Other procedures may also be available for financing. Loan amounts must be a minimum of $1,000, and repayment terms range from six months to four years. There is a fixed interest rate throughout the repayment term.

Fertility Finance
Fertility Finance provides a number of loan options for financing fertility treatment. After receiving an infertility treatment plan and estimated costs, patients can apply for a loan online. Pre-approval is provided within 24-hours of submitting the loan application. Loan amounts range from $2,500 to $25,000 with terms of 12 to 48 months. Fertility Finance works exclusively with Shady Grove Fertility Centers.

In Vitro Sciences
In Vitro Sciences works with a third-party finance company to offer low-interest loans for infertility diagnosis and treatment. In Vitro Sciences also offers financial counseling.

Lending Club
The Lending Club can help finance fertility treatments with their unsecured personal loans. These personal loans can be used for any expenses, including medical expenses related to infertility procedures or fertility treatment. APR rate depends on credit score, loan amount, loan term, credit usage and history, and can range from 6.78 percent to 24.95 percent.
MedLoanFinance can help finance fertility treatments with both secured and unsecured loans. The interest rate depends on credit history, loan term and loan amount. Loan terms include 12, 24, 36, 48 and 60 months. It is also possible to qualify for a revolving credit line. offers financing for fertility treatments for those with a credit score of 650 or higher. Patients can borrow between $1,000 and $25,000, with repayment terms from 12 to 48 months. APR rates start at 9.99 percent but depend on credit history.

Springstone Patient Financing
Springstone partners with fertility clinics to offer infertility treatment financing options. Springstone offers fixed rates starting at 5.99 percent, and financing from $2,000-$40,000 with terms from 24 to 84 months.

The loans are only available at fertility clinics that are part of the Springstone network, including those fertility clinics that offer the Attain IVF Refund Program by Integramed.