When you’re looking for ways to fund your fertility treatment, you’re looking for more than just money—you’re looking for a partner who understands what you’re going through. While many financial products can cover the cost, some are designed with the unique emotional and financial risks of fertility care in mind. This guide will introduce you to the full spectrum of options, including low interest fertility loans that offer features like refund programs for unsuccessful cycles. We’ll help you understand how to find a financial solution that not only provides funding but also offers protection, support, and peace of mind on your journey.

Key takeaways

• Look beyond the sticker price: The initial quote for a treatment cycle is only part of the story. Ask your clinic for a detailed cost breakdown that includes medications, testing, and potential storage fees to build a truly realistic budget.
• A loan isn't your only choice: While fertility loans are a great tool, be sure to investigate all your options. Check with your employer about fertility benefits, research non-repayable grants, and look into healthcare credit cards to find the financial path that works for you.
• Prepare before you apply: To get the best loan terms, check your credit score ahead of time and have your income documents ready. Always compare the APR—not just the interest rate—to understand the true cost, and read the fine print to avoid hidden fees.

What is a fertility loan?

When you’re focused on building your family, the last thing you want to worry about is how you’ll cover the costs. Fertility treatments can be expensive, and that’s where fertility loans come in. A fertility loan is a specific type of medical loan designed to help you pay for treatments like IVF or egg freezing. It’s a way to break down a large, upfront expense into smaller, predictable monthly payments, making the entire process feel much more manageable. Let’s walk through how they work, your options, and some common myths.

How fertility loans work

A fertility loan is a sum of money you borrow from a lender to cover your treatment-related expenses. These are often unsecured personal loans, meaning you don’t need to put up collateral like your house or car. You’ll apply for a specific amount, and if approved, the funds are typically sent directly to your clinic or to you. After that, you’ll repay the loan in fixed monthly installments over a set period. Because they are designed for healthcare, these loans can sometimes have lower interest rates than a standard personal loan or credit card.

Explore your financing options

A loan is just one of several ways to approach paying for treatment. Before you decide on a lender, it’s a good idea to look at the big picture. Financial planning for fertility care means getting real about your budget, researching all your options, and understanding the full cost of treatment—including medications and potential future cycles. Many fertility clinics offer their own financing plans or work with dedicated lending partners. Taking the time to explore every avenue, from loans and grants to employer benefits, will help you feel confident and in control.

Common myths about fertility financing

One of the biggest myths about fertility treatment is that it’s completely out of reach financially. While the costs are significant, the idea that you have to pay for everything out-of-pocket in one lump sum just isn’t true. Many clinics and financial partners offer payment plans and financing. Another common misconception is that you’re on your own. The reality is that there are more resources available than ever before. Between low-interest loans, partial insurance coverage, and grants, there are many paths to affording care. Having a financial partner can help you find a plan that works for you.

The real cost of fertility treatment

Talking about the cost of fertility treatment can feel overwhelming, but getting a clear picture of the numbers is the first step toward making a plan that works for you. The total price isn't just one number; it’s a combination of procedures, medications, and other services that are unique to your treatment plan. Costs can vary significantly depending on your specific needs, the clinic you choose, and even where you live.

Think of it less as a single price tag and more as a budget you’re building for your family's future. Understanding each potential expense helps you see the full financial scope, so you can avoid surprises down the road. It also puts you in a better position to compare financing options and find a path forward that feels secure and manageable. Before you can figure out how to pay for treatment, you need a solid understanding of what you're paying for. This means looking beyond the initial quote for a single IVF cycle and considering all the related expenses, from consultations and diagnostic tests to medications and potential storage fees. Let’s break down what you can expect, from the main procedures to the often-overlooked additional fees.

A breakdown of IVF costs

The core cost of treatment is for the medical procedure itself, but even that can vary. A single cycle of in vitro fertilization (IVF) is a significant investment. If you're using donor eggs, the cost can be higher, with fresh donor eggs ranging from about $12,000 to $29,000 per cycle. For those considering fertility preservation, the cost of egg freezing can range from around $6,800 to over $16,000 for one cycle. Remember, these are just averages, and your clinic will provide a detailed estimate based on your personal treatment plan.

Plan for additional fees and medications

The price your clinic quotes for a cycle often doesn't include everything. Medications are one of the biggest additional expenses and can sometimes account for up to 40% of your total treatment cost. Beyond prescriptions, you should also plan for other potential fees. These might include diagnostic testing, bloodwork, anesthesia for retrieval procedures, and preimplantation genetic testing (PGT) if you choose to screen your embryos. If you freeze eggs or embryos, you’ll also need to budget for annual storage fees, which can add up over time.

Will insurance cover your treatment?

This is one of the first questions most people ask, and unfortunately, the answer is complicated. While some health insurance plans cover a portion of fertility treatment, many offer limited or no coverage at all. Your level of coverage can depend on your employer, your specific plan, and even the state you live in. The best way to find out is to call your insurance provider directly and ask for a detailed breakdown of what is and isn't covered. Getting this information in writing can help you plan accurately and understand exactly what your out-of-pocket costs will be.

How to create a realistic budget

Once you have a cost estimate from your clinic and clarity on your insurance coverage, you can build a realistic budget. Start by listing every potential expense, from the main procedure and medications to travel and accommodation if your clinic isn't local. This complete picture will help you determine how much you need to finance. When you start looking at loans, you can then establish a monthly budget that includes your potential loan payment. This proactive approach helps prevent financial strain during an already emotional time, allowing you to focus on your treatment.

A look at low-interest fertility financing programs

When you’re focused on building your family, the last thing you want to worry about is how you’ll cover the costs. Fertility treatments can be expensive, and figuring out the financial side can feel like a huge hurdle. The good news is, you’re not alone in this, and there are companies dedicated to making treatment more accessible. Many financing programs offer low-interest loans specifically for fertility care, taking some of the pressure off so you can concentrate on your health and well-being.

To help you get started, we’ve put together a look at some of the top options available. Each one has a slightly different approach, so it’s worth exploring them to see which aligns best with your needs and financial situation. Think about what matters most to you—is it a low monthly payment, a refund option if treatment is unsuccessful, or personalized support along the way? This guide will walk you through what each company offers.

Gaia

Gaia offers a unique approach to fertility financing by focusing on your entire journey, not just the bill. We provide flexible ways to pay for treatment, with plans that include a refund of up to 100% if you don’t have a baby. This helps reduce the financial risk and emotional weight of uncertainty. Beyond the finances, Gaia provides 1:1 support from a dedicated member advocate who is there to help you understand the process from start to finish. The goal is to give you more say in what happens next, with more protection and support in your corner.

Future Family

Future Family specializes in creating customized loans for fertility treatments, bundling all your costs into one simple monthly payment. Their plans can cover everything from IVF cycles and egg freezing to medications and donor services. Interest rates can be as low as 0%, and plans start at a few hundred dollars a month, making it an accessible option for many. A unique part of their service is the inclusion of a dedicated fertility nurse coach who provides personal support and guidance throughout your treatment, helping you manage the process with more confidence.

CapexMD

CapexMD is known for providing patient financing services exclusively for fertility treatments. They work directly with a large network of fertility clinics across the country, which can streamline the application and funding process. Their loans can cover not just the main procedures but also necessary extras like medications and genetic testing. Because they specialize in the fertility space, their team understands the unique needs and timelines of patients, offering compassionate and knowledgeable service. They approve loans quickly, so you can move forward with your treatment plan without long delays.

CNY Fertility Financing

CNY Fertility offers its own in-house financing programs, which can be a convenient option if you’re a patient at one of their clinics. They provide payment plans that allow you to spread the cost of treatment over two years with no interest, aside from a small monthly account fee. This structure can make treatment much more manageable, as you can often start with a low down payment. Their goal is to make fertility care more affordable and accessible, and their in-house financing is a key part of that mission, removing some of the immediate financial barriers to starting treatment.

PatientFi

PatientFi offers a friendly approach to financing, presenting you with a monthly payment plan instead of a total lump sum. They provide loans of up to $50,000 for fertility treatments, with some plans offering zero interest if you pay off the balance within a specific promotional period. Their application process is designed to be simple and stress-free, allowing you to see your options without impacting your credit score. With competitive interest rates and flexible terms, PatientFi aims to make financing feel less intimidating so you can focus on your treatment.

EggFund

EggFund acts as a bridge, connecting patients with a network of lending partners that offer competitive fertility loans. They help you find financing for a wide range of family-building expenses, including IVF, egg freezing, and surrogacy, with loans from $5,000 to $100,000. The process is straightforward, and their partners offer low, fixed rates with no hidden costs like application fees, setup fees, or prepayment penalties. EggFund was founded by someone with personal experience in fertility treatments, so their mission is rooted in helping others build their families with less financial stress.

LendingClub Patient Solutions

LendingClub provides payment plans that can cover up to three fertility services at once, such as IVF, medications, and genetic testing. Their online application is quick, and you can see all your potential loan options in minutes without it affecting your credit score. This allows you to explore different scenarios and find a plan that fits your budget comfortably. LendingClub Patient Solutions offers extended plans with low fixed rates, making monthly payments predictable and manageable over the long term, which is helpful when planning your finances around treatment.

Prosper Healthcare

Prosper Healthcare offers financing for a broad range of fertility-related expenses, with loans available up to $100,000. This can be especially helpful if you need to cover costs beyond the procedure itself, such as travel and lodging. They provide long repayment terms, up to 84 months, which can result in lower, more manageable monthly payments. The application process is simple, and they are transparent about their terms, with no hidden fees or penalties for paying your loan off early. Prosper Healthcare Lending gives you the flexibility to finance your entire treatment journey.

ARC Fertility

ARC Fertility offers treatment packages that bundle services and medications at a discounted rate. They work with a select network of fertility clinics to provide these comprehensive packages. One of their most well-known options is the ARC Success Program, which offers a refund for unused cycles if treatment doesn’t result in a live birth. This can significantly reduce the financial risk and provide peace of mind. By offering both financing and refund options, ARC Fertility helps patients manage costs while protecting their investment in their family-building journey.

How to qualify for a low-interest fertility loan

Applying for a loan can feel like a big, intimidating step, but it doesn’t have to be. Lenders are simply looking for a few key things to feel confident about your ability to repay the loan. Understanding what they need ahead of time can make the entire process feel much more manageable and put you in a stronger position to get approved. Think of it as getting your ducks in a row before you start your IVF journey.

When you apply, lenders will typically look at your credit history, your income, and your overall financial health. By preparing your documents and understanding where you stand, you can move through the application process with more ease and less stress. Let’s walk through exactly what you’ll need to do to qualify for a low-interest fertility loan.

What credit score do you need?

Your credit score is one of the first things a lender will check. It’s a number that gives them a quick snapshot of your financial history and how you’ve handled debt in the past. Most lenders look for a minimum credit score between 600 and 650 for a fertility loan. To get the best terms and lowest interest rates, a score of 700 or higher is ideal. If your score is a bit lower, don’t panic. Some lenders may still approve your application, but you might face a higher interest rate. Before you apply, it’s a great idea to check your credit score so you know where you stand.

How to verify your income

Lenders need to see that you have a steady and reliable source of income to cover your monthly loan payments. You’ll be asked to provide proof of your income, which helps them verify that you can comfortably afford the loan. Be ready to share recent pay stubs, W-2s, or tax returns. If you’re self-employed, you might need to provide bank statements or profit and loss statements from your business. Having this documentation ready to go will help speed up the application process and show the lender that you’re a responsible borrower.

Get your documents ready

Being prepared is half the battle. When you’re ready to apply, having all your documents in one place will make everything feel smoother. In addition to income verification, you’ll likely need a government-issued photo ID (like a driver’s license), your Social Security number, and proof of address (like a utility bill). It’s also a good idea to have information about your fertility treatment plan from your clinic. Many of our partner clinics have financial coordinators who can help you gather the necessary cost estimates for your application.

Tips for a stronger application

Want to put your best foot forward? A little prep work can make a big difference. Start by creating a simple monthly budget that includes your potential loan payment. This will help you see what you can realistically afford and shows lenders you’ve thought through your finances. If you have any small, outstanding debts, paying them down before you apply can also help improve your debt-to-income ratio, which is another key factor lenders consider. A stable employment history also looks great on an application, so if you’ve been at your job for a while, that’s a definite plus.

Should you use a co-signer?

If your credit score is on the lower side or you don’t have a long credit history, applying with a co-signer could be a great option. A co-signer is someone with a strong credit profile—often a parent, partner, or trusted family member—who agrees to take responsibility for the loan if you’re unable to make payments. For lenders, this adds a layer of security and can significantly improve your chances of getting approved for a loan with a lower interest rate. Just remember that this is a major financial commitment for your co-signer, so be sure to have an open and honest conversation about it first.

How to borrow smartly for your treatment

Taking out a loan for fertility treatment is a major financial decision, and it’s smart to approach it with a clear head. Think of it like this: you’re not just borrowing money; you’re investing in your future family. And like any big investment, you want to make sure you understand all the details before you sign on the dotted line. Getting familiar with loan terms and comparing your options will help you find a path forward that feels manageable and right for you.

The goal is to find financing that supports your journey without adding unnecessary stress. By asking the right questions and looking closely at the fine print, you can protect your financial well-being while you focus on what really matters: building your family.

Compare interest rates and APRs

When you start looking at loans, you’ll see two key numbers: the interest rate and the APR. The interest rate is the cost of borrowing the money, expressed as a percentage. But the APR, or Annual Percentage Rate, gives you the full picture. It includes the interest rate plus any other lender fees, like origination or administrative fees. Because of this, the APR is almost always higher than the interest rate.

When you’re comparing different loan offers, always use the APR. It’s the most accurate way to understand the true cost of each loan over a year. A loan with a slightly lower interest rate might look tempting, but if it has high fees, its APR could be much higher than another option. Comparing loan offers based on APR ensures you’re making an apples-to-apples comparison.

Understand your repayment terms

Your loan’s repayment term is the amount of time you have to pay it back. Terms can range from a couple of years to a decade or more. A longer term usually means a lower monthly payment, which can make your budget feel more manageable. However, you’ll end up paying more in total interest over the life of the loan.

On the flip side, a shorter term comes with higher monthly payments, but you’ll pay the loan off faster and spend less on interest overall. It’s a balancing act. Think about what monthly payment you can comfortably afford without straining your finances. A good loan calculator can help you play with the numbers to see how different terms would impact your budget and the total cost.

Watch out for hidden fees

The interest rate isn’t the only cost associated with a loan. Many lenders charge fees that can add up quickly, so it’s important to read the fine print. Look out for origination fees (a charge for processing your loan), application fees, and late payment penalties. Some lenders also charge a fee if you want to pay your loan off early, which is known as a prepayment penalty.

Ask any potential lender for a complete list of fees before you commit. A loan that seems like a great deal based on its interest rate might be less appealing once you factor in all the extra costs. Being aware of these potential charges from the start helps you avoid surprises down the road and choose a loan that is truly affordable.

Can you pay your loan off early?

Imagine you get a work bonus or a tax refund and want to put it toward your fertility loan. That’s a great idea—unless your lender charges you for it. Some loans come with prepayment penalties, which are fees for paying off all or part of your loan ahead of schedule. Lenders use these fees to make up for the interest they lose when you pay back the principal early.

Before you sign any loan agreement, make sure you ask whether there are any prepayment penalties. Ideally, you want the flexibility to pay your loan off faster without getting hit with an extra charge. This allows you to save money on interest if your financial situation improves, giving you more control over your debt and your future.

How do refund programs work?

Some specialized fertility financing companies offer a unique kind of financial protection: refund programs. These aren't loans in the traditional sense. Instead, they are plans designed to give you peace of mind. With a refund program, if your treatment isn’t successful after a set number of cycles, you can receive a partial or even a full refund. This can be a huge relief, as it provides a financial safety net during an emotionally challenging time.

At Gaia, our IVF Cycle Plan is built around this idea. We believe you should be able to pursue treatment without fearing a worst-case financial scenario. The specifics of how these programs work can vary, so it’s important to understand the terms, including what defines a "successful" outcome and how many cycles are included in the plan.

Explore other ways to pay for treatment

Fertility loans are a fantastic tool, but they're not the only option on the table. When you're planning for something as important as building your family, it's crucial to look at the entire financial landscape. Depending on your personal situation, credit history, and comfort with risk, another path might be a better fit for you. It’s all about finding a solution that lets you focus on your treatment, not just the bills. Looking at all your options—from specialized credit cards and personal loans to grants and employer benefits—can give you a complete picture of what’s possible. This way, you can make a confident, informed decision that feels right for your family-building journey.

Exploring these alternatives isn't about finding a "better" way, but about finding your way. Each path has its own set of pros and cons, and what works for one person might not be right for another. For example, a home equity loan might offer a great interest rate, but it comes with significant risk. A grant is free money, but the application process can be long and competitive. Taking the time to understand the nuances of each option can prevent financial stress down the road and empower you to move forward with a clear head. We'll walk through some of the most common alternatives so you can see what else is out there and weigh your choices with clarity.

Healthcare credit cards

These are essentially credit cards designed specifically for medical expenses. Think of them as a dedicated line of credit for your health needs, including fertility treatments. Companies like CareCredit offer financing plans that can help break down the large cost of treatment into smaller, more manageable monthly payments. Some even offer promotional periods with no interest if you pay the balance in full within a certain timeframe. Just be sure to read the fine print carefully, as interest rates can be high if you don't pay it off during the promotional period.

Personal loans

A personal loan from a bank, credit union, or online lender can be used for almost anything, including IVF. Unlike a dedicated fertility loan, it’s not tied to a specific clinic or treatment type. This gives you flexibility, but it’s important to shop around. While some medical loans might have lower interest rates than a standard personal loan, they can still carry risks. Always compare the APRs and terms with those of fertility-specific financing to see which one truly saves you money in the long run.

Home equity options

If you're a homeowner, you might consider a home equity line of credit (HELOC) or a home equity loan. These options let you borrow against the equity you've built in your home. The main advantage is that a HELOC is generally lower interest than other forms of credit. However, this path comes with a major risk: your home is the collateral. If you can't make the payments, you could risk losing your house. It's a serious decision that requires careful thought and a stable financial outlook.

Fertility grants

Imagine getting financial help for treatment that you don't have to pay back. That's what fertility grants offer. These are awards given by non-profits, foundations, and even some fertility clinics to help people cover the cost of care. The application process can be competitive, and you'll likely need to meet specific criteria, but the payoff is huge. Many organizations offer grants to help cover costs, so it’s absolutely worth researching and applying for any you might be eligible for.

Employer benefits

More and more companies are recognizing that family-building is a critical part of life and are adding fertility benefits to their health plans. Before you do anything else, schedule a chat with your HR department. Find out exactly what your insurance covers—it might be more than you think. Some employers offer comprehensive packages that cover everything from diagnostic testing to multiple IVF cycles. This is often the most affordable route, so make it your first stop on your financial planning journey.

How to make the right financial choice for you

Making a financial plan for fertility treatment can feel just as overwhelming as the treatment itself. But breaking it down into smaller, manageable steps can make the process feel much clearer. Thinking through these key areas will help you find a path forward that feels right for you, your family, and your future.

Calculate the total cost

First, you need a clear picture of the total cost. The price a clinic advertises for an IVF cycle is often just the starting point. Financial planning for fertility treatment means looking at the full picture, including medications, diagnostic tests, monitoring appointments, and any additional procedures like genetic testing. It’s also wise to consider the possibility of needing more than one cycle. Ask your clinic’s financial coordinator for a detailed, line-by-line estimate so you can see exactly what you’re paying for and avoid any surprises down the road.

Plan your monthly payments

Once you have a handle on the total cost, it’s time to look at your budget. Figure out what you can comfortably afford to pay each month without adding major financial strain to your life. Look at your income and your regular expenses to find a number that works for you over the long term, not just for the next few months. This will help you choose a loan with a repayment plan that fits your life. Creating a simple monthly budget can help you see where your money is going and give you confidence in your payment plan.

Consider the long-term financial impact

A fertility loan is a multi-year commitment, so it’s important to think about how it will affect your other financial goals. Each financing option has its own terms and repayment periods, which will impact your budget differently. A shorter loan term might mean higher monthly payments but less interest paid overall, while a longer term could offer lower payments but cost more in the long run. Consider how these payments will fit in with future plans, like saving for a down payment or paying for childcare. Understanding these long-term effects helps you make a choice you’ll feel good about for years to come.

Build a repayment strategy

Having a solid repayment strategy from day one can make managing your loan much easier. Most lenders look at your credit score, income, and debt-to-income ratio to approve your loan, and these same factors are key to a healthy financial life. Once your loan is active, set up automatic payments so you never miss one. If your budget allows and your loan doesn’t have prepayment penalties, consider paying a little extra each month. Even a small additional amount can help you pay off your loan faster and save a significant amount on interest over time.

What is loan protection?

Loan protection is a feature that can provide a huge amount of peace of mind during an uncertain time. Some financing programs, like Gaia, offer financial protection, which means you could get some or all of your money back if your treatment isn’t successful. This helps lower your financial risk, ensuring that you aren’t left with a large debt if you don’t bring home a baby. It’s a financial safety net that allows you to focus more on your treatment and less on the "what ifs," knowing you have a plan in place no matter the outcome.

How to apply for your fertility loan

Once you’ve researched your options and feel ready to move forward, the application process is your next step. It might seem like a lot of paperwork, but breaking it down into smaller, manageable tasks can make it feel much less overwhelming. Think of it as the first concrete step toward building your family. Most lenders have streamlined their processes to be as straightforward as possible, so you can focus on what really matters: your treatment.

The application process, step-by-step

Every lender’s process is a little different, but they generally follow the same path. First, you’ll want to do your research and compare different lenders to find the best loan terms for you. Once you’ve picked one, you’ll submit an application, which usually happens online. After you’re approved, the funds are typically sent directly to your fertility clinic. Before you apply, it’s a great idea to create a budget that includes your potential loan payment. This helps you understand what you can comfortably afford each month and avoids financial stress down the line.

What to expect from the timeline

The good news is that you usually don’t have to wait long for an answer. Many lenders offer a pre-approval decision within minutes of you submitting your initial information. The full approval process, which includes verifying your income and other documents, can take a few business days. Once you’re officially approved and you’ve accepted the loan terms, the funds are often disbursed within another day or two. Loan rates can range from 5% to 30%, and borrowers with higher credit scores often get lower rates. Repayment periods also vary, so be sure to review the full offer.

Your application checklist

Being prepared can make the application process go much smoother. Before you sit down to apply, try to have these documents and pieces of information handy. You’ll likely need your basic personal information (like your Social Security number), proof of income (such as recent pay stubs or tax returns), and details about your employment. It’s also helpful to have the name of your fertility clinic and an estimate of your treatment costs. Having everything in one place means you can fill out the application quickly and accurately without having to stop and search for paperwork.

Avoid these common mistakes

A few simple missteps can delay your application or even lead to a denial. One common mistake is not checking your credit score before you apply. Knowing your score ahead of time gives you a better idea of what to expect. Another thing to avoid is applying for several loans all at once, as multiple hard inquiries can temporarily lower your score. Finally, always read the fine print before signing anything. If your credit score is on the lower side, consider asking someone with better credit to be a co-signer, which can significantly improve your chances of approval.

What to do if your application is denied

Getting a loan denial can feel discouraging, but it’s not the end of the road. The first thing to do is find out why your application was rejected—lenders are legally required to tell you. It could be due to a low credit score, a high debt-to-income ratio, or insufficient income. Sometimes, you may just need to provide more proof of income or find a co-signer to strengthen your application. A denial is simply a sign that you may need to work on a few things before trying again or exploring other financing options.

Related Articles

• Infertility Loans: Your Complete Guide
• How to Choose an IVF Plan: A Step-by-Step Guide
• The Real Cost of IVF: A Complete Breakdown
• How to Afford Fertility Treatments: 9 Strategies
• IVF Financial Assistance: Your Ultimate Guide

Frequently Asked Questions

What credit score do I need for a fertility loan? Most lenders look for a credit score of at least 600 to 650 to approve a fertility loan. To get the most favorable terms and the lowest interest rates, a score of 700 or higher is usually best. If your score is a little lower than that, you aren't necessarily out of options. Some lenders may still approve you, or you could consider applying with a co-signer who has a stronger credit history.

Is the interest rate the only thing I should look at when comparing loans? While the interest rate is important, it doesn't tell the whole story. You should always compare loans using the APR, or Annual Percentage Rate. The APR includes the interest rate plus any lender fees, giving you a much more accurate picture of the loan's true cost. A loan with a low interest rate might have high fees, making its APR higher than another loan that looked more expensive at first glance.

What happens if I take out a loan and my treatment doesn't work? This is a really important question to ask. With a traditional loan, you are responsible for repaying the full amount regardless of your treatment outcome. However, some financing partners offer plans with loan protection or a refund feature. These programs are designed to provide a financial safety net, returning some or all of your money if you don't have a baby after a certain number of cycles.

How long does it usually take to get the money for a fertility loan? The timeline is often faster than you might think. Many online lenders can give you a pre-approval decision within minutes of submitting your initial application. After that, the full approval process, which involves verifying your income and other documents, typically takes a few business days. Once you’re fully approved and accept the loan, the funds are usually sent to your clinic within another day or two.

Are there other ways to pay for treatment besides a loan? Yes, a loan is just one of several paths you can explore. Your first stop should always be your employer's HR department to see if you have any fertility benefits. You can also research and apply for fertility grants, which provide funds that you don't have to pay back. Other options include healthcare-specific credit cards, which often have promotional interest-free periods, or using a home equity line of credit if you're a homeowner.