Best IVF Loans in 2024

Personal loans to finance your fertility treatments

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Best personal loan lenders for in vitro fertilization

Written by Amanda Push | Edited by Jessica Sain-Baird and Pearly Huang | Reviewed on October 31, 2023

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User ratings	Best for…	APR range	Loan terms	Loan amounts	Minimum credit score
(2,680) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	IVF loans for bad credit	9.95% - 35.95%	12 to 60 months	$2,000 - $35,000	580
(1,592) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	IVF loans for good credit	7.99% - 24.99%	36 to 84 months	$2,500 - $40,000	720
(1,592) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	IVF loans with long repayment terms	7.49% - 25.49% (with autopay)	24 to 144 months	$5,000 - $100,000	Not specified
(1,592) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	IVF loans with competitive rates	6.99% - 35.99%	24 to 60 months	$2,000 - $50,000	560
(46) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	IVF loans with fast funding	9.116% - 29.99% (with autopay)	36 or 60 months	$2,000 - $45,000	640
(94) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	IVF loans with unemployment protection	8.99% - 25.81% (with autopay)	24 to 84 months	$5,000 - $100,000	680

Read more about how we chose the best IVF loans.

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Top lenders for IVF loans

Avant logo

Best for IVF loans for bad credit

APR range	9.95% - 35.95%
Loan amounts	$2,000 - $35,000
Loan terms	12 to 60 months
Origination fee	Up to 9.99%
Minimum credit score	580

Pros	Cons
Bad-credit borrowers may qualify Funding within one business day Small minimum loan amount	Maximum APR up to 35.95% Not available in all 50 states Charges an origination fee

Pros

Cons

Bad-credit borrowers may qualify

Funding within one business day

Small minimum loan amount

Maximum APR up to 35.95%

Not available in all 50 states

Charges an origination fee

What to know

If you want to finance your fertility treatments but have bad credit, you may qualify for an Avant IVF loan. Avant’s low credit score requirements and fast funding may make it a good option if your credit is less than ideal and you need money quickly.

Avant is not available in seven states and your loan may come with an origination fee of up to 9.99%. To learn more, read our full Avant personal loan review.

How to qualify

Avant requires that its customers have a minimum credit score of 580 and not live in the following states:

Best for IVF loans for good credit

APR range	7.99% - 24.99%
Loan amounts	$2,500 - $40,000
Loan terms	36 to 84 months
Origination fee	None
Minimum credit score	720

Pros	Cons
Doesn’t charge an origination fee Competitive maximum APR Long repayment terms	Bad-credit borrowers won’t qualify No option for joint loans Late fee up to $39

Pros

Cons

Doesn’t charge an origination fee

Competitive maximum APR

Long repayment terms

Bad-credit borrowers won’t qualify

No option for joint loans

Late fee up to $39

What to know

If you have a good credit score, you can take advantage of Discover’s many benefits. This includes no origination fees, competitive APRs and long repayment terms. Discover customers can also receive their IVF loan funds within one business day.

On the other hand, Discover doesn’t provide an autopay discount and there is no option to apply with a co-borrower or cosigner. To learn more, read our full Discover personal loan review.

How to qualify

If you want a Discover loan, you’ll need a minimum credit score of 720 and at least a $25,000 annual income. While Discover will also take into account your credit background and debt-to-income (DTI) ratio, it doesn’t explain its specific requirements.

LightStream logo

Best for IVF loans with long repayment terms

APR range	7.49% - 25.49% (with autopay)
Loan amounts	$5,000 - $100,000
Loan terms	24 to 144 months
Origination fee	None
Minimum credit score	Not specified

Pros	Cons
Long and short repayment terms Doesn’t charge fees Offers up to $100,000	Doesn’t allow for preapprovals Bad-credit borrowers won’t qualify Large minimum loan amount

Pros

Cons

Long and short repayment terms

Doesn’t charge fees

Offers up to $100,000

Doesn’t allow for preapprovals

Bad-credit borrowers won’t qualify

Large minimum loan amount

What to know

LightStream is a no-fee lender that offers both long and short repayment terms. However, while personal loan lenders typically offer terms of only up to 60 or 84 months, LightStream offers terms up to 144 months.

Unfortunately, LightStream doesn’t offer preapprovals and fair- and bad-credit borrowers likely won’t qualify for an IVF loan with LightStream. To learn more, read our full LightStream personal loan review.

How to qualify

LightStream only offers IVF loans to good- or excellent-credit borrowers. You’ll need at least five years of credit experience, proof of savings, a good DTI ratio and no delinquent payments.

Prosper logo

Best for IVF loans with competitive rates

APR range	6.99% - 35.99%
Loan amounts	$2,000 - $50,000
Loan terms	24 to 60 months
Origination fee	1.00% - 7.99%
Minimum credit score	560

Pros	Cons
Offers competitive minimum APR Allows for co-applicants Funding within one business day	Charges an origination fee Funding may take up to three days High maximum APR

Pros

Cons

Offers competitive minimum APR

Allows for co-applicants

Funding within one business day

Charges an origination fee

Funding may take up to three days

High maximum APR

What to know

Prosper’s competitive lender rates make it an attractive option for IVF loans, especially if you have excellent credit and can qualify for its lowest rates. If you don’t have great credit, you can use a co-applicant to improve your approval odds.

All loans from Prosper’s lender network come with an origination fee and it can take up to three days to receive your loan funds. To learn more, read our full Prosper personal loan review.

How to qualify

Prosper requires that applicants meet the following criteria:

560 minimum credit score
Be a U.S. resident
Own a personal bank account
Have a Social Security number
Not live in Iowa or West Virginia

Best for IVF loans with fast funding

APR range	9.116% - 29.99% (with autopay)
Loan amounts	$2,000 - $45,000
Loan terms	36 or 60 months
Origination fee	Up to 9.00%
Minimum credit score	640

Pros	Cons
Same-day funding available Offers autopay discount Fair-credit borrowers may qualify	Limited loan terms Charges an origination fee Loans not available in all 50 states

Pros

Cons

Same-day funding available

Offers autopay discount

Fair-credit borrowers may qualify

Limited loan terms

Charges an origination fee

Loans not available in all 50 states

What to know

With many lenders, you must wait at least one day to receive your IVF loan funds; Rocket Loans offers same-day funding. If you sign up for autopay, you may also receive a rate discount.

Keep in mind that Rocket Loans will deduct an origination fee from your borrowed amount and you only have two repayment term options to choose from. To learn more, read our full Rocket Loans personal loan review.

How to qualify

To get a Rocket Loans IVF loan, you’ll need to meet the following requirements:

640 minimum credit score
Must be a U.S. citizen
Minimum annual income of $24,000
Can’t live in Iowa, Nevada or West Virginia

SoFi logo

Best for IVF loans with unemployment protection

APR range	8.99% - 25.81% (with autopay)
Loan amounts	$5,000 - $100,000
Loan terms	24 to 84 months
Origination fee	0.00% - 6.00% (not required)
Minimum credit score	680

Pros	Cons
Offer unemployment protections Origination fee not required Offers flexible terms and amounts	Origination fee required for lower rates High minimum loan amount

Pros

Cons

Offer unemployment protections

Origination fee not required

Offers flexible terms and amounts

Origination fee required for lower rates

High minimum loan amount

What to know

If you take out an IVF loan from SoFi and lose your job, the lender offers unemployment protection. SoFi will modify your payments for up to 12 months and even help you in your search for a new job. It also offers same-day funding and doesn’t require fees.

However, if you want lower rates, you may have to accept an origination fee. If you’re looking for a small loan, you may have to look elsewhere too. To learn more, read our full SoFi personal loan review.

How to qualify

SoFi provides clear eligibility standards that you will need to meet for an IVF loan:

680 minimum credit score
Be employed, starting employment within 90 days or have other income source
Be a U.S. citizen, eligible permanent resident or nonpermanent resident

What is an IVF loan?

An IVF loan — also referred to as a fertility loan — is a type of personal loan used for fertility treatments, specifically in vitro fertilization (IVF). IVF is an option that some people use if they’re struggling with infertility, want to avoid passing on genetic issues or want to preserve fertility in general.

IVF financing can come in the form of unsecured or secured loans, though unsecured loans are more common, meaning you won’t need to put up collateral. IVF loans are provided in lump sums and come with fixed interest rates and monthly payments.

However, while there are personal loans that can be used for IVF, there are also specific IVF-alternative financing options.

On this page

How do IVF loans work?
How much is IVF?
How to apply for an IVF loan
How to pay for IVF: Alternative options
How we chose the best IVF loans
Frequently asked questions

How do IVF loans work?

IVF loans work like traditional personal loans. You’ll receive your loan in a lump sum and it will come with a fixed annual percentage rate (APR) and monthly repayment.

Unlike credit cards, IVF loans have hard stop dates, as long as you keep to your payment schedule. Loan lengths can last anywhere from 12 to 84 months, though some lenders may offer longer or shorter terms.

Fertility loans may also come with origination fees. These are administrative fees that some lenders charge and they typically come out of your total loan amount.

IVF loan pros and cons

While using a personal loan to finance your fertility treatments can be a good fit for some people, it’s not a one-size-fits-all solution for covering that expense. Consider these benefits and drawbacks before taking out an IVF loan.

Pros	Cons
Interest and payments are fixed so you’ll know what to budget each month Your term will let you know exactly when your loan will be paid off If the lender reports to the credit bureaus, an IVF loan could help build your credit	Some lenders charge an origination fee that can be as much as 12% of your total borrowed amount If you have bad credit, you could pay up to 36% APR If you miss any payments on your loan, it could significantly bring down your credit score

Pros

Cons

Interest and payments are fixed so you’ll know what to budget each month

Your term will let you know exactly when your loan will be paid off

If the lender reports to the credit bureaus, an IVF loan could help build your credit

Some lenders charge an origination fee that can be as much as 12% of your total borrowed amount

If you have bad credit, you could pay up to 36% APR

If you miss any payments on your loan, it could significantly bring down your credit score

How much is IVF?

Whether you’re getting surgery or financing fertility treatment, medical loans can come at a steep cost. A single IVF cycle can cost an average of $14,000 to $20,000. However, the cost of IVF treatments can look different for everyone depending on their insurance and what procedures they need done.

If you break down the cost of each procedure per cycle, your IVF costs may look something like this:

Medications: $3,000-$6,000
Intracytoplasmic sperm injection: $1,000-$2,500
Assisted hatching: $500-$1,500
Preimplantation genetic testing: $2,500-$12,000
Embryo cryopreservation: $2,000-$4,000
Anesthesia: $500-$1,500

How to apply for an IVF loan

The process for getting an IVF loan is similar to getting any other type of loan. Here’s what you may encounter during the application process:

Check your credit score. Knowing your credit score can guide you toward which lenders you’ll most likely qualify with. It can also give you an idea of what sort of rates you may receive since lenders use your credit score to decide how much interest to charge you.
Create a budget. Once you know your credit score and estimated APR, you can build a budget. A budget can give you an idea of how much you can afford to pay each month on your IVF loan. You can determine your potential monthly payment by using a personal loan calculator.
Prequalify with multiple lenders. Many lenders allow you to prequalify for a personal loan at no cost to your credit score. This allows you to see what potential rates, terms and loan amounts lenders may offer you. Keep in mind, these offers are not set in stone.
Choose a lender. After you prequalify with multiple lenders, narrow your search down to one lender. You’ll likely need to fill out a formal application and verify any information you provide such as your identity and income. The lender will also run a hard credit pull which can cause your score to drop, though only by a few points.
Close on your loan. If your lender decides to officially approve you for an IVF loan, you’ll need to sign a loan agreement. The contract will outline the terms of your IVF loan so it’s important to understand what you’re signing. Each lender’s personal loan funding timeline will vary.

How to pay for IVF with bad credit

Bad credit can make it difficult to qualify for an IVF loan, but not impossible. Aside from bad credit loans, which can come with high APRs, there are other routes you can take that you can qualify with but also save money.

Credit score improvement: Though it can add time to the process, if you improve your credit score, you’ll boost your approval odds and secure much lower rates. In some cases, it may be possible to raise your credit score by 100 points in 30 days.
Family loans: To save money on interest and fees, consider taking out a family loan. Your loved ones may be willing to lend you money at a lower cost than a traditional lender would. Keep in mind that borrowing money can also create tension in your family, so it may be wise to create a personal loan agreement that both you and your lending family member sign.
Cosigner loans: If your credit isn’t strong enough for you to qualify for a loan on your own, consider a cosigner loan. This allows you to add a second person to your loan application, usually a friend or family member. With a cosigner loan, you’ll both be legally responsible for making sure the loan gets paid off.
Secured loans: While most IVF loans don’t require collateral, some lenders offer secured loans. This means you’ll need to back your loan with a valuable asset, typically a vehicle or savings account. If you don’t keep up with payments, your lender may repossess your collateral.

How to pay for IVF: Alternative options

A personal loan isn’t the only way to finance fertility treatments. Consider these other options if you’re not sure an IVF loan is the right choice for you:

Fertility clinic loan:Because IVF is such an expensive medical procedure, some fertility clinics offer their own in-house financing or partner with medical lenders. When you visit your fertility clinic, ask about whether you can break up the cost of your treatment into installments.
IVF grant:If you want to avoid taking out a large amount of debt, look for nonprofits that offer grants for fertility treatments. Be sure to check the eligibility criteria as many nonprofits base their decisions on factors like insurance coverage, income and location. You can search databases like CoFertility for fertility grants.
Credit card: A medical credit card can help you cover procedures such as fertility treatments. If you want to save on interest, you could instead apply for a 0% intro APR credit card. This allows you to avoid paying interest for an introductory period of time after you take out the credit card.
Home equity loan or HELOC:Home equity loans and home equity lines of credit (HELOC) are secured debt that allows you to tap into the equity you’ve built into your home. While home equity loans have fixed rates and terms, HELOCs have variable rates. Both, however, are backed by your home so if you’re unable to keep up with payments, your lender may seize it.

How we chose the best IVF loans

We reviewed more than 28 lenders that offer IVF loans to determine the overall best six lenders. To make our list, lenders must offer competitive annual percentage rates (APRs). From there, we prioritize lenders based on the following factors:

Accessibility: Lenders are ranked higher if their personal loans are available to more people and require fewer conditions. This may include lower credit requirements, wider geographic availability, faster funding and easier and more transparent prequalification and application processes.
Rates and terms: We prioritize lenders with more competitive fixed rates, fewer fees and greater options for repayment terms, loan amounts and APR discounts.
Repayment experience: For starters, we consider each lender’s reputation and business practices. We also favor lenders that report to all major credit bureaus, offer reliable customer service and provide any unique perks to customers, like free wealth coaching.

LendingTree reviews and fact-checks our top lender picks on a monthly basis.

Frequently asked questions

Whether IVF is covered by insurance depends on your providers as well as where you live. State laws can differ as to whether an insurance company must cover IVF. To see your state legislation, Resolve: The National Infertility Association provides insight into state fertility insurance laws.

If you have a good credit and can qualify for low rates, an IVF loan may be a good option for you. However, if you’re affected by bad credit or can’t afford the monthly payments, a personal loan may not be a good fit to pay for IVF.

There are many ways to afford IVF including applying for a personal loan or applying for a credit card. If you don’t have good credit or don’t want to take on debt, you can also research fertility treatment grants.

Best IVF Loans in 2024

Personal loans to finance your fertility treatments

How Does LendingTree Get Paid?

Best personal loan lenders for in vitro fertilization

How Does LendingTree Get Paid?

Top lenders for IVF loans

Best for IVF loans for bad credit

Best for IVF loans for good credit

Best for IVF loans with long repayment terms

Best for IVF loans with competitive rates

Best for IVF loans with fast funding

Best for IVF loans with unemployment protection

What is an IVF loan?

How do IVF loans work?

IVF loan pros and cons

How much is IVF?

How to apply for an IVF loan

How to pay for IVF with bad credit

How to pay for IVF: Alternative options

How we chose the best IVF loans

Frequently asked questions

Is IVF covered by insurance?

Who should get an IVF loan?

How do people afford IVF?