Best IVF Loans in 2024: Pay for IVF With a Low-Cost Loan

Borrow up to $100,000 to pay for fertility treatments

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Written by
Lauren Nicholson
Updated August 27, 2024
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Top lenders for IVF loans

Best IVF loans for good credit

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7.99% - 24.99%

$2,500 - $40,000

36 to 84 months

None

720

Pros
  • Competitive interest rates
  • No upfront fees
  • Long repayment periods
Cons
  • Borrowers with bad credit won’t qualify
  • Can’t take out a loan with another person
  • Late fee up to $39

What to know

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If you only need to pay for one or two rounds of in vitro fertilization (IVF), consider getting a loan from Discover. Discover’s competitive interest rates make IVF loans more affordable. You’ll get your money as soon as the next business day, and you won’t have to pay any upfront fees.

That said, you need good credit to qualify for an IVF loan with Discover. And Discover doesn’t offer joint loans, so you can’t add your partner as a co-borrower or cosigner to split the costs or boost your odds of approval.

To learn more, read our full Discover personal loan review.

How to qualify

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You’ll need to meet these eligibility criteria to get an IVF loan with Discover:

  • Age: Be at least 18
  • Citizenship: Have a Social Security number
  • Administrative: Have a physical address, email address and internet access
  • Income: Minimum income of $40,000 (individually or as a household)
  • Credit score: 720
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Best IVF loans with low rates

(353)
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(353)
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9.49% - 25.49% (with autopay)

$5,000 - $100,000

24 to 84 months

Loan Term Disclosure

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $25,000 loan at 7.49% APR with a term of 3 years would result in 36 monthly payments of $777.54. © 2024 Truist Financial Corporation. Truist, LightStream and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

None

Not specified

Pros
  • Very competitive rates
  • No fees
  • Offers up to $100,000 (many loans max out at $50,000)
Cons
  • Need to submit application to see rates
  • Must have good or excellent credit

What to know

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LightStream offers loans of up to $100,000 — the most of any lender on this list, and enough to pay for several rounds of IVF. Low rates and no fees make LightStream loans some of the most affordable on the market, as long as your credit is strong enough to qualify.

Unfortunately, borrowers with fair or bad credit likely won’t qualify for an IVF loan with LightStream. And you can’t check whether you’re eligible for a LightStream loan without shaving a few points off your credit score with a hard credit pull.

To learn more, read our full LightStream personal loan review.

How to qualify

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LightStream doesn’t specify its exact credit score requirements, but you must have good to excellent credit to qualify for an IVF loan with LightStream. Most of the applicants that LightStream approves have the following in common:

  • At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
  • Stable income and the ability to handle paying their current debt obligations
  • Savings, whether in a bank account, investment account or retirement account
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Best IVF loans for bad credit

(3,649)
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(3,649)
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8.99% - 35.99%

$2,000 - $50,000

24 to 60 months

1.00% - 9.99%

560

Pros
  • Available to borrowers with bad or fair credit
  • Allows you to apply with a co-borrower
  • Funding within one business day
Cons
  • Charges an upfront loan processing fee
  • Getting money may take up to three days
  • Borrowers with fair or bad credit will likely get high rates

What to know

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Peer-to-peer lenders like Prosper make it possible to get an IVF loan with bad credit. You can qualify for a loan from Prosper with a score as low as 560 — one of the lowest credit thresholds on the market. Plus, Prosper allows co-applicants, so you and your partner or a loved one can apply for an IVF loan together. If your co-borrower has good or excellent credit, this will boost your odds of approval. You may even qualify for better rates.

All loans from Prosper’s lender network come with an upfront loan processing fee called an origination fee, and it can take up to three days to get your money.

To learn more, read our full Prosper personal loan review.

How to qualify

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To get a loan with Prosper, you must meet the following eligibility requirements:

  • Age: Be 18 or older
  • Citizenship: Be a U.S. citizen
  • Administrative: Have a U.S. bank account and Social Security number
  • Residency: Not live in Iowa or West Virginia
  • Credit score: 560
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Best quick IVF loans

(47)
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(47)
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8.99% - 29.99% (with autopay)

$2,000 - $45,000

36 or 60 months

Up to 9.00%

640

Pros
  • Same-day funding available
  • Offers autopay discount
  • Fair-credit borrowers may qualify
Cons
  • Only offers two loan lengths
  • Charges fees
  • Loans not available in all 50 states

What to know

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If you’re in a hurry to start fertility treatment, consider Rocket Loans. They offer same-day funding and discounted rates for signing up for automatic payments. You don’t need good or excellent credit to qualify, either.

Keep in mind that Rocket Loans will deduct an upfront loan processing fee called an origination fee from the amount you borrow. Also note that Rocket Loans only offers two repayment term options to choose from.

To learn more, read our full Rocket Loans personal loan review.

How to qualify

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

  • Citizenship: Must be a U.S. citizen
  • Income: Minimum annual income of $24,000
  • Residency: Can’t live in Iowa, Nevada or West Virginia
  • Credit score: 640
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Best IVF loans with another person

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(97)
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8.99% - 29.99% (with discounts)

Pricing Disclosure

Fixed rates from 8.99% APR to 29.99% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 02/06/2024 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

$5,000 - $100,000

24 to 84 months

0.00% - 7.00% (optional)

680

Pros
  • Can get a loan with another person
  • Offers loans up to $100,000 (many loans max out at $50,000)
  • Offers short- and long-term loans
Cons
  • May have to pay upfront fee to get lower rates
  • Need good or excellent credit to qualify

What to know

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If you and a loved one want to get an IVF loan together, you can apply as co-borrowers on a joint loan with SoFi. If one of you has excellent credit, this will boost your odds of qualifying, and you could get better rates. SoFi also offers large loans, same-day funding and no required fees.

However, you may have to accept an upfront loan processing fee called an origination fee to get SoFi’s lowest rates. And you probably won’t qualify for a loan with SoFi if you have fair or bad credit.

To learn more, read our full SoFi personal loan review.

How to qualify

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You must meet the requirements below in order to get a loan from SoFi:

  • Age: Be the age of majority in your state (typically 18)
  • Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
  • Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
  • Credit score: 680
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What is an IVF loan?

An IVF loan is a type of personal loan used for fertility treatments, specifically IVF. People use IVF to boost their chances of getting pregnant, to avoid passing on genetic disorders and to preserve fertility.

Fertility treatment loans are usually unsecured, meaning you won’t need to back your loan with collateral like a car or savings account.

Some lenders pay your doctors or IVF treatment facility directly. Others deposit your loan money directly into your bank account. You’ll repay your fertility loan with fixed monthly payments.

Most personal loan lenders allow you to use your loan money for almost anything, including IVF treatments. You can also use grants and credit cards to pay for IVF.

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How do IVF loans work?

IVF loans work like most personal loans. Here’s what you need to know:

  • Getting your money: Your lender will either send your loan directly to your fertility clinic or deposit it into your bank account. Your loan will come with a fixed annual percentage rate (APR), meaning that your payment will be the same every month.
  • Paying back your loan: IVF loans have hard stop dates as long as you don’t miss payments. Loan lengths are usually between 12 and 84 months.
  • Fees: Lenders may charge an origination fee for your fertility loan. This is a one-time fee that your lender takes off the top of your loan. Also be on the lookout for late fees and prepayment penalties.

IVF loan pros and cons

While many people use personal loans to cover the cost of fertility treatments, IVF loans aren’t for everyone. Consider whether you can afford current interest rates and fees before you take out an IVF loan.

ProsCons

 Fixed monthly payments: You’ll never have to worry about your payment increasing due to rising rates.

  Known end date: You’ll have a set repayment term, and you’ll know exactly when your loan will be paid off.

  Help build credit: Making on-time monthly payments to a lender that reports to all three credit bureaus will boost your credit.

 Fees: Some lenders charge an origination fee as high as 12% of the amount you borrow.

 (Potentially) high rates: If you have bad credit, you could pay rates up to 36%. High rates make loans an expensive way to borrow money for treatment.

 Damage to credit score: Missed or late payments will likely bring down your credit score.

How much is IVF?

Whether you’re getting surgery or financing fertility treatments, medical loans can come at a steep cost. A single IVF cycle can cost an average of $14,000 to $20,000. The cost of IVF treatments depends on your insurance and what procedures you need.

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

You may need several rounds of IVF for it to be effective, so it can be difficult to know how much money to borrow for an IVF loan. You should only take out as much money as you absolutely need for any loan. The larger your loan, the more you’ll pay in interest.

Talk to your doctor about how many IVF cycles you’ll likely need and how much money you should set aside for treatment.

If possible, choose a loan that doesn’t have prepayment penalties. That way, as soon as you’re done with IVF, you can immediately pay back any unused loan funds without having to pay a penalty.

How to find an IVF loan

Getting fertility financing is just like getting any other type of loan. Here’s how to compare IVF loans through LendingTree:

  1. Fill out a quick form. You’ll answer basic questions about your identity, your income and the purpose of your loan.
  2. Review your offers. We’ll send you offers from up to five lenders in our nationwide network of loan partners. Compare the rates and monthly payments to find the best loan for your fertility treatments.
  3. Get your money. Once you’ve chosen a lender, you’ll fill out a more detailed application and sign a loan contract. Your lender will send you money, and you can use the funds to start IVF right away.

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How to pay for IVF with bad credit

Bad credit can make it difficult to qualify for an IVF loan, but it’s not impossible. Aside from bad credit loans, which come with high APRs, consider these options:

  • Credit score improvement: Though it will add time to the process, if you improve your credit score, you’ll boost your approval odds and get much lower rates. It could be possible to raise your credit score by 100 points in 30 days.
  • Family loans: To save money on interest and fees, consider borrowing money from family. Your loved ones may be willing to offer you more affordable rates, and you won’t have to worry about whether you’ll qualify. To avoid tension with your family member, create a personal loan agreement for both of you to sign.
  • A cosigner: If your credit isn’t strong enough for you to qualify for a loan on your own, you can boost your odds by getting a loan with a cosigner who has excellent credit.
  • Secured loans: If you can’t find a lender willing to lend you money for treatments, consider getting a secured loan. It’s easier to qualify for secured loans because they are backed with a valuable piece of property like a car or savings account that the lender can take if you don’t keep up with payments.

How to pay for IVF: Alternative options

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

  • Fertility clinic loan: Some fertility clinics offer their own in-house IVF financing or partner with medical lenders. When you visit your fertility clinic, ask about breaking up the cost of your treatment into installments.
  • IVF grant programs: Some nonprofits offer grants for fertility treatments. Think of grants as free money – you don’t need to pay them back. Check the eligibility criteria, since many nonprofits consider factors like insurance coverage, income and location when deciding who gets the grant.
  • Credit card: You can save money on interest with a 0% intro APR credit card by paying off your treatments interest-free during the introductory period, which usually lasts between six and 21 months. If you don’t qualify for a 0% intro APR card, consider taking out a medical credit card to cover fertility treatments.
  • Home equity loan or HELOC: Home equity loans and home equity lines of credit (HELOCs) allow you to borrow money by tapping into the equity you’ve built in your home. These loans often come with low rates, but they come with the risk of losing your home if you can’t keep up with payments.

How we chose the best IVF loans

We reviewed more than 30 lenders that offer IVF loans to determine the overall best five lenders. To make our list, lenders must offer competitive 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.

The best IVF loans come from Discover, LightStream, Prosper, Rocket Loans and SoFi. LendingTree reviews and fact-checks our top lender picks on a monthly basis.

Frequently asked questions

Some insurance plans cover IVF treatment, while others don’t. Check your coverage directly with your insurance provider, and see if your state legally requires coverage for fertility treatments.

You should only get an IVF loan if you can afford it. But if you’re already affected by bad credit or you can’t afford the monthly payments, taking out an IVF loan could land you in a cycle of debt.

Many people pay for IVF by applying for a personal loan or applying for a credit card. If you don’t qualify for low rates or don’t want to take on debt, you can also research fertility treatment grants.