IVF Loans: Financing Programs And Payment Plans Available


In vitro fertilization is an expensive procedure that costs anywhere from $10,000 to $15,000, on average. Some health insurance providers cover all or part of the cost of the procedure. However, many plans do not cover assisted reproduction at all since it’s not considered essential healthcare. Fortunately, there are several financing programs, payment plans, and IVF loans available to assist with these costs.

With financing, many people who could not otherwise afford such high out-of-pocket expenses can still choose in vitro fertilization. For many, this could mean the difference between starting a family and not.

What Is IVF?

IVF stands for in vitro fertilization. This is a complex fertility treatment that helps people become pregnant through assisted reproductive technology. It is most effective in those who are under the age of 35.

People typically choose IVF to help them conceive a child due to reasons such as:

  • Fertility issues (ex. low sperm count or advanced maternal age)
  • Desire to avoid passing on a genetic health condition
  • Starting a family with someone of the same sex
  • Interest in having a child without a partner

The procedure works by taking a mature egg and fertilizing it in a lab. A few days later, the fertilized egg is put inside a uterus. The entire process can take several weeks or so from beginning to end. This includes everything from the initial consultation to removing the egg to testing for pregnancy.

Since IVF is expensive, many patients turn to different forms of financing to pay for it. The most common financing options are:

  • IVF grants
  • HELOC (home equity line of credit)
  • Personal loan (from a bank, credit union, or online lender)
  • Fertility specialist loans or IVF loans
  • Low-interest credit card

Why does IVF cost so much?

The main reason why in vitro fertilization costs so much is the complexity of the procedure. Common fees associated with the overall cost include:

  • Initial consultations
  • Genetic and diagnostic testing
  • Surgical procedures (ex. sperm or egg extraction)
  • Prescription medications
  • Anesthesia
  • Geographic location (IVF tends to cost more in bigger cities)

IVF typically costs $10,000 to $15,000 per treatment session. This does not include any additional fees not covered by insurance. Some clinics charge up to $25,000 for the entire procedure, including medications and testing. Medication alone can cost around $4,000, depending on type and dosage.

Many people have to undergo two to six rounds of treatment before they’re successful, which can radically increase the cost. Even if they can afford the first round on their own, they may need financing to help cover additional ones.

Certain states, including Texas and California, have laws that require health insurance providers to cover IVF. However, the health plan may not cover everything related to the procedure, such as specific treatments or medications.

Before choosing IVF, consider the total costs and make a financial plan. Certain options, such as IVF loans, infertility loans, or grants, can make the procedure much more affordable. Try to prepare as much as possible for the best results.

How to Pay for In Vitro Fertilization (IVF)

When it comes to IVF financing, there are several options, including:

  • IVF loan: This is a personal loan that can cover the costs of IVF treatments. These loans are usually available through online lenders and those specializing in financing fertility treatments and procedures. Some lenders, such as CapexMD, also offer IVF loans with bad credit.
  • Personal loan: Personal loans can help with the IVF process and other medical needs. They are ideal for those who need funding quickly and have good credit or better (670+ FICO score). The APR typically ranges from around 6% to 36%. Terms are usually up to 7 years and require monthly payments. Many online lenders, banks, and credit unions offer these loans.
  • Fertility specialist loans: These infertility loans are usually available through lenders that partner with a specific fertility clinic or healthcare provider. These lenders may charge additional fees, such as an application or origination fee. Approval is typically based on credit score, income, and debt-to-income ratio (DTI).
  • IVF grants: Some charitable organizations and foundations, such as Nest Egg Foundation and Baby Quest Foundation, offer full or partial grants. Eligibility is based on things like income, location, and insurance provider. Grants often come with deadlines and may have an application fee.
  • HELOC or home equity loan: Homeowners with home equity may be able to refinance their home with a HELOC or home equity loan to pay for in vitro fertilization. The main downside is that failing to pay back the amount borrowed could put the home at risk.
  • Credit card: Those with good credit may qualify for a credit card with 0% APR for 12 to 18 months. As long as the balance is repaid within this time, there will be no interest charges.
  • Health Savings Account (HSA): Fertility treatments are considered qualified medical expenses, meaning an HSA could be used to fund them. There are contribution limits, though, so it can take time to set aside the required amount for treatment.
  • Crowdfunding: It may be possible to raise funds online through platforms like GoFundMe.
  • Negotiate: Smaller clinics are sometimes willing to lower the cost of IVF, especially for those who undergo multiple cycles.
  • Payment plan: Some fertility clinics offer payment plans to help patients pay for the procedure.


IVF financing is available to those who need help funding the procedure. This includes personal loans, IVF loans, and other infertility loans. Some insurance providers will cover all or part of the cost of fertility treatments. Even if they don’t, some fertility clinics will work with patients by setting up a payment plan or offering discounts.

Whatever the case, it’s a good idea to create a budget and a plan. Be prepared to undergo multiple sessions, since IVF doesn’t always work on the first try. Also, speak with your clinic about any other costs associated with the procedure.

Angela Mae Watson Angela Mae Watson Last update:
Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.