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Fertility Financing Plans

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Don't let fertility treatment costs prevent you from getting treatment. Special fertility financing plans may be available through your fertility clinic or from an independent organization that structures financial products for the infertility market.

Note that there are often specific eligibility requirements for most of these fertility financing plans and programs.

American Healthcare Lending connects you with the best loan offers available to you for a personal loan to cover fertility expenses. Loans range between $2,000 and $100,000. Their online application process is simple and you can receive funds within 2 days. Loan rates start at 5.99% with loan terms up to 84 months. Pay $0 down and benefit from no prepayment penalties. Apply for financing at:

Earnest makes it easy for those who are considering fertility treatments to receive a personal loan offer with no collateral. The interest rates on these loans are as low as 5.25% APR, and you can also choose your monthly payment.

Fertility Finance specializes in providing patient financing services for all fertility treatment options. Their easy, convenient loan process and competitive rates ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. Fertility Finance offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances and once approved, their Fertility Loan Specialists will work closely with our fertility center partners to ensure the funds are secured prior to the commencement of your treatment.

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. It can range from 6.78 percent to 24.95 percent.

Springstone Patient Financing
Springstone offers fixed rates starting at 3.99% percent, based on credit history and the length of the loan for IVF treatment and related costs. Springstone's plan is a true installment loan, not a credit card so rates NEVER change due to a missed payment. Amounts from $2,000-$40,000 may be financed with terms from 24 to 84 months.

Comments (3)

I am seeking financial assistance for my 29 yr old daughter who has breast cancer. She wants to harvest and freeze eggs/embryos because the chemo therapy she will take will be toxic to her ovaries. Do you know of this type of assistance?

Hello Judy,

Thank you for reaching out on behalf of your daughter. I'm so sorry to hear of her diagnosis. She is smart to consider egg freezing as a way to preserve her fertility if she would like to conceive in the future. Most fertility clinics will offer some type of discount for egg freezing services for oncology patients. If you're contacting various centers you would want to explain the time sensitivity and the case specifics of the situation as most centers will also get oncology patients in quickly. You can also contact Fertile Hope which is a program through the Livestrong foundation

Best of luck to you and your daughter

Julie Hunt

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