IVF Financing: Which Lenders US Clinics Use (2026)

The lenders US fertility clinics send their patients to, read on 353 clinic and network websites on October 28, 2026, with each lender's own published terms.

CapexMD is the lender US fertility clinics name most: 122 of the clinics and networks whose financing pages we read name it. Future Family follows with 88, PatientFi with 64 and LendingClub's patient financing (now run by Happen Bank) with 60. We read the financing, pricing and "affording care" pages of every US fertility clinic that reports to the CDC and has a website of its own, plus the ten clinic networks IVFcost.co tracks, and recorded every lender, loan program and in-house payment plan each one names, in its own words.

Here is why that matters: the lender is usually chosen for you. When a clinic quotes a $25,000 cycle, its financial counselor hands you the lenders it works with, often with an "apply now" link on its own page. Those lenders are not interchangeable. Some pay your clinic directly and only work at enrolled clinics; some pay you; some charge membership fees outside the APR; and several sell "0%" plans that charge every dollar of interest back to the first day if the balance is not cleared in time.

This report sets out which lenders clinics name, how many give you a choice, what each lender publishes about its rates and fees, what a typical cycle costs a month with each, and which offers to read twice before you sign. Every lender figure comes from the lender's own pages, read on October 28, 2026, and each lender has its own page on IVFcost.co with its words quoted beside the numbers.

Key findings

• 199 of 353 clinics and networks (56.4%) name at least one lender or financing company on their own pages. Another 26 name only a payment plan or package they run themselves, and 93 name no financing at all. The rest showed lender logos without readable names, could not be read in full, or named only programs that are not loans.
• CapexMD leads: named by 122 of the 199 that name a lender (61%). Then Future Family 88, PatientFi 64, LendingClub or Happen Bank 60, Prosper Healthcare Lending 38 and ARC Fertility's financing 26.
• Most clinics offer a choice. 131 of the 199 (66%) name two or more lenders; 47 name four or more. The most common pairing, CapexMD with Future Family, appears at 62 clinics.
• 68 clinics name exactly one lender, most often CapexMD (17), ARC Fertility (13), Future Family (11) and Prosper (11). At those clinics, the clinic's page points every patient to one company.
• Most of the lenders clinics name pay the clinic, not you. CapexMD, Future Family, PatientFi, LendingClub's patient financing (Happen Bank) and CareCredit all pay the provider; Prosper, a general personal loan, pays you.
• Published APRs run from 3.99% to 35.99% across the lenders we read. On a $25,000 cycle over 60 months that is $460 to $903 a month, a difference of more than $25,000 in total repaid.
• Several "0%" offers are deferred interest. CareCredit charges its 32.99% APR back to the purchase date if a promotional balance is not paid off in time; CapexMD's 6-month 0% offer imposes interest "from the date of the loan" on the same condition. The CFPB found patients paid $1 billion in deferred interest on medical cards and loans from 2018 to 2020.
• 59 clinics and networks run a plan of their own: in-house payment plans (CNY Fertility's needs no credit check), health-system billing plans, or multi-cycle refund and package programs.

Contents

1. How we read 353 clinic financing pages
2. The lenders fertility clinics name
3. Most clinics give you a choice
4. What the big networks name
5. Paid to your clinic, or paid to you
6. What each lender charges
7. The lenders, one by one
8. What a $25,000 cycle costs a month
9. The 0% offers: read these twice
10. Clinics' own payment plans
11. By state
12. How to choose, in order
13. Common questions
14. How we checked, and what this does not show

1. How we read 353 clinic financing pages

We started from every US fertility clinic that reports to the CDC. The CDC's assisted reproductive technology data lists each clinic that performs IVF; IVFcost.co keeps a page for each one, with the clinic's success rates and its own website. For the ten clinic networks IVFcost.co tracks (CCRM Fertility, Shady Grove Fertility, Everleap Fertility, Pinnacle Fertility, Kindbody, Spring Fertility, CNY Fertility, Extend Fertility, NYU Langone and Weill Cornell), we read the network's own financing page once, because a network names the same lenders for all of its locations. For every other clinic with a website, we read that clinic's own site.

On each site we looked for the page a patient would use to pay: "financing", "affording care", "payment options", "pricing", "insurance and billing". We recorded each financing company the clinic names, with a quote of its own words and the address of the page they are on, and any payment plan, package or refund program the clinic runs itself. A lender the clinic shows only as a logo, with no name in the text, is recorded separately and not counted.

Every quote was then checked by script against the text of the page it cites. A quote that did not match the page word for word was dropped, and so was any clinic where a quote did not name the lender it was supposed to support. Two sites were left out on purpose: one financing page last updated in 2016 that still reads "Insert Clinic Name", and one whose footer carries injected gambling links. The full method, and what it cannot show, is in section 14.

Then we read every lender. For each of the 18 lenders and financing companies that clinics name most, or that patients compare them with, we read the lender's own rate, terms, FAQ and disclosure pages on the same day: published APR range, amounts, terms, fees, how checking a rate touches your credit, and who receives the money. Those pages are on IVFcost.co under IVF loans, one per lender, with the lender's words beside each figure.

2. The lenders fertility clinics name

Two fertility-only lenders dominate. CapexMD and Future Family lend only for fertility treatment, and between them they appear at 148 different clinics and networks. That is not an accident of marketing: both sell to clinics as much as to patients. CapexMD's own page says its loans "are available only for fertility-related services and medications from the providers listed on our website", so a CapexMD loan exists only where the clinic has signed up with it. Future Family's FAQ says it pays "your IVF clinic, pharmacy, and approved third parties associated with your Future Family IVF payment plan directly."

Patient financing comes next. PatientFi (64 clinics) and LendingClub's patient financing, now Happen Bank patient financing (60), are general medical lenders that a clinic enrolls with. Most clinics still name it "LendingClub" or "LendingClub Patient Solutions": 53 call it LendingClub and 7 call it Happen Bank. Happen Bank's own page says it pays "your provider directly within 1-3 business days after receipt of signed agreement."

Prosper is the one general personal loan clinics name often. Prosper appears at 38 clinics, usually under its medical-loan name, Prosper Healthcare Lending. Prosper's own IVF page describes its ordinary personal loans, made by WebBank, and its money goes to you, not the clinic.

ARC Fertility appears at 26 clinics, and it is not a lender. ARC is a network of fertility clinics that sells treatment packages and brokers financing; its own application page states that "PatientFi has teamed up with ARC Fertility" and that the credit "is extended by participating banks and credit unions." The ARC page explains how its figures differ from PatientFi's own.

The marketplaces are smaller. Sunfish (18 clinics), EggFund (16) and United Medical Credit (11) do not lend themselves: each matches you with partner lenders, who set the rate. EggFund's page says so in as many words: "EggFund is not a direct lender." Gaia (15) sells a fixed-price treatment plan with optional financing; the Everleap, Pinnacle and Extend networks name it, and so do 12 independent clinics.

CareCredit is rarely named. Only 6 clinics name CareCredit, the medical credit card from Synchrony, even though its own fertility page markets to fertility patients. That matters because its terms are the ones to read most carefully (see section 9).

A few clinics name non-profit lenders. Two name the Jewish Free Loan Association and one the Hebrew Free Loan Association, interest-free loan funds for members of their communities. They are not on IVFcost.co's lender pages, but they are worth knowing if you qualify: an interest-free loan beats every rate in this report.

3. Most clinics give you a choice

Two thirds of clinics that name a lender name more than one. 131 of 199 list two or more, and 47 list four or more. A clinic that offers four lenders is offering you a real comparison: CapexMD, Future Family, PatientFi and LendingClub publish different rates, different fees and different rules on who gets paid.

The usual menu is CapexMD plus one or two others. The pairings clinics use most:

68 clinics name exactly one lender. At those clinics, the patient who asks "how do people pay for this?" gets one name. CapexMD is the single lender at 17, ARC Fertility's financing at 13, Future Family and Prosper at 11 each, LendingClub at 9 and PatientFi at 4. A one-lender clinic is not a reason to borrow from that lender: a personal loan from your own bank or an online lender pays you, and you can pay any clinic with it.

Why clinics list several lenders. Each lender approves a different slice of applicants. Future Family recommends a FICO score of 680 or higher; Prosper requires 640 to accept a loan; EggFund's network sets a minimum of 600; CapexMD and PatientFi publish no minimum. A clinic that names four lenders is, in effect, giving more of its patients a yes.

4. What the big networks name

A network names the same lenders for every one of its clinics, so for patients of the largest networks the choice is made at the network level. What each network's own financing page names:

NYU Langone and Weill Cornell name no financing at all. NYU Langone's fertility center states that "Our policy requires all payments to be made at the time of service." Several hospital-run programs in our read name only the health system's own billing payment plan.

Shady Grove's page names one lender. Its financing page says that "Shady Grove Fertility partners with CapexMD to provide affordable monthly payment plans", and its egg freezing page refers to "Fertility Finance", CapexMD's fertility loan brand. Other lenders appear on the pages of sibling businesses, not on Shady Grove's own.

Kindbody names four. Its page is titled "Fertility Financing Options: CapexMD, Future Family, PatientFi, and Sunfish", the widest menu among the large networks.

5. Paid to your clinic, or paid to you

The most important difference between these lenders is not the rate. It is who receives the money.

Paid to the clinic. CapexMD: "Once we have finalized your loan, all funds will be disbursed directly to your provider(s)." Future Family pays "your IVF clinic, pharmacy, and approved third parties ... directly", within windows that start when you sign: payments to providers "starting within 45 days of signing your contract", then "an additional 120 days" to use the rest. Happen Bank's patient financing pays "your provider directly within 1-3 business days after receipt of signed agreement." PatientFi funds your provider and holds the rest in "your digital wallet at your clinic, other providers, and at your pharmacy." CareCredit is used at enrolled providers.

What that means for you. A loan paid to the clinic is tied to that clinic. If you change clinics mid-treatment, need donor eggs from an agency the lender has not approved, or want to pay for medications at a pharmacy the plan does not cover, a clinic-paid loan may not follow you. CapexMD's loans are available only "from the providers listed on our website"; Happen Bank's patient financing says "The availability of payment plans varies by provider."

Paid to you. Personal loans pay you. OneMain is explicit: "While a OneMain personal loan doesn't directly pay your healthcare providers, it can help you manage the costs of IVF, including medications, medical procedures or diagnostic tests related to fertility treatment." Prosper deducts its origination fee "from your loan proceeds before your money is transferred to you." EggFund, a marketplace, says "funds are provided to you, not the provider, unlike other fertility lenders", and Sunfish says "In most cases, funds will be distributed to you personally."

The trade. A clinic-paid loan is simpler (no invoices to forward) and often comes with the clinic's help applying. A loan paid to you is portable: it pays any clinic, an egg bank, a surrogacy agency or a pharmacy. If there is any chance you will switch clinics, use donor eggs or travel for treatment, the portability is worth more than a small difference in rate.

6. What each lender charges

Every rate below is the lender's own published range, read on its own pages on October 28, 2026, never a single teaser rate. Your rate depends on your credit, the amount and the term, and only the lender can quote it.

Fertility lenders are not automatically cheaper. CapexMD's and Future Family's published floors (8.99% and 9.74%) sit above the floors of several ordinary personal lenders: Happen Bank's personal loans start at 5.96%, Upstart at 6.3%, Best Egg and Discover at 6.99%. What the fertility lenders offer instead is a narrower ceiling (24.99% and 23.74%, against 35.99% for most personal lenders) and the clinic relationship.

Read the fees outside the APR. An APR includes an origination fee taken from the loan, but not every cost. Future Family says plainly: "Our financing plans do not charge upfront loan fees, but there are membership fees associated with our membership and concierge offerings." It does not publish their amounts. EggFund charges a success fee of $200 to $600 when you are funded, on top of whatever the partner lender charges.

Read the credit rules. CapexMD is unusual: "CapexMD uses a soft credit inquiry on all applications, which has no impact on your credit score. Unlike traditional lenders, CapexMD does not run a hard credit inquiry even if you accept our loan offer." It also requires a married applicant's spouse to apply as co-borrower. Future Family recommends a FICO score of 680; Prosper requires 640 to accept a loan, and publishes that the average APR on its 3-year loans funded in the first quarter of 2026 was 24.19%, far above its 8.99% floor.

7. The lenders, one by one

What each lender's own pages say, and what to check before you apply. Each heading links to the lender's page on IVFcost.co, where every figure sits beside the lender's words.

CapexMD: named by 122 clinics

The lender US fertility clinics name most, and the one most often named alone (17 clinics). CapexMD lends only for fertility: its own page lists IUI, IVF and ICSI, medications, genetic testing, egg freezing, egg and sperm banks, frozen embryo transfers, donor fees and surrogacy agency fees under "One loan, all aspects of treatment", and says loans are available "only for fertility-related services and medications from the providers listed on our website." It publishes fixed APRs of 8.99% to 24.99%, amounts of $3,000 to $60,000 and terms of 6 to 84 months.

What sets it apart is the credit check. Its FAQ says it "uses a soft credit inquiry on all applications" and "does not run a hard credit inquiry even if you accept our loan offer." It also requires a married applicant's spouse to apply as co-borrower, and residents of some states pay a $25 application fee and a $75 to $200 documentation fee. Watch the 0% offer: its 6-month promotion is deferred interest (see section 9). Shady Grove, Pinnacle, Kindbody, CNY and Extend all name it, so do most independent clinics that name any lender.

Future Family: named by 88 clinics

The second fertility-only lender, and CapexMD's most common partner on a clinic's page (62 clinics name both). Future Family's FAQ states "APR ranges from 9.74% to 23.74%", loans of up to $50,000 per its home page, and examples over 60 months. It pays "your IVF clinic, pharmacy, and approved third parties associated with your Future Family IVF payment plan directly."

Two things to check. First, the fees outside the APR: "Our financing plans do not charge upfront loan fees, but there are membership fees associated with our membership and concierge offerings", whose amounts it does not publish. Second, the credit bar: "We recommend a FICO score of 680 or higher to get started." Its funds are released in windows (payments to providers "starting within 45 days of signing your contract", then "an additional 120 days is provided to use all available remaining funds"), so time the loan to your cycle. CCRM names only Future Family; CNY, Kindbody and Extend name it beside others.

PatientFi: named by 64 clinics

General patient financing with a fertility program, named by the Everleap, Pinnacle, Kindbody and Spring networks. PatientFi's fertility page says "We approve up to $50,000" and that there is no hard credit check to review your offer; its lending partners page shows fixed-rate examples from 6.99% to 32.99%, and its fertility disclosure starts at 3.99% for excellent credit with autopay. PatientFi is not a bank: loans come from partner banks.

How it pays is unusual. It funds your provider and keeps the balance in a digital wallet: "Use your digital wallet at your clinic, other providers, and at your pharmacy." Its 0% plans are not free if you miss the date: "If not paid in full during the promotional period the APR will increase to a 6.99–32.99% fixed rate."

LendingClub patient financing, now Happen Bank: named by 60 clinics

Most clinics still call it LendingClub (53 of the 60). The lending is now done by Happen Bank, whose health and wellness financing page offers "Loan amounts from $500 to $65,000 from 6 to 144 months" with "APRs as low as 3.99% and up to 30.99% with 0% financing also available." It pays "your provider directly within 1-3 business days after receipt of signed agreement", and prequalifying is a soft inquiry.

It works only where your clinic is enrolled: "The availability of payment plans varies by provider." It is the widest range of terms we read, up to 12 years; a long term lowers the payment but raises the total, so compare the total repaid, not only the monthly figure. Happen Bank also sells ordinary personal loans at 5.96% to 35.99% that pay you and work at any clinic.

Prosper: named by 38 clinics

The one general personal loan clinics name often, usually as Prosper Healthcare Lending. Its IVF page says personal loans through Prosper "have an annual percentage rate ("APR") of 8.99% to 35.99%, terms between two and six years, and an origination fee from 1% to 9.99%." It pays you, after deducting the fee.

It publishes what borrowers actually paid, which few lenders do: "The average APR for loans with a 3-year term funded between January 1, 2026, and March 31, 2026, was 24.19%." Its personal loans page adds that borrowers "must have a credit score of 640 or higher to qualify for a loan." Eleven clinics name Prosper as their only lender.

ARC Fertility financing: named by 26 clinics

ARC is a fertility network that brokers financing; the lender is PatientFi. Its financing page advertises "Loan approvals up to $60,000", APRs from 6.99% for terms up to 84 months and "0% zero-interest plans for 6 months"; its application page states that "PatientFi has teamed up with ARC Fertility" and that applying has "no impact to credit."

Thirteen clinics name ARC as their only financing, usually because they are ARC member clinics that also sell ARC's multi-cycle packages. ARC's own figures differ slightly from PatientFi's own fertility page (up to $60,000 against $50,000), so confirm the amount when you apply.

CareCredit: named by 6 clinics

A medical credit card from Synchrony Bank, with a fertility page but few clinics naming it. Its FAQs give a standard APR of 32.99% for new accounts and reduced-rate plans for larger purchases: "Purchases of $1,000 or more may be eligible for a 24-month offer with a 17.90% APR, a 36-month offer with a 18.90% APR or a 48-month offer with a 19.90% APR. Purchases of $2,500 or more may be eligible for a 60-month offer with a 20.90% APR."

Its short promotions are deferred interest. Its rates and fees document states that interest at 32.99% "will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period." Use a promotion only for an amount you will clear in time; for the rest, the fixed-rate plans are the safer CareCredit option.

Gaia: named by 15 clinics

Not a loan but a fixed-price plan you can finance. Gaia's IVF page says "you pay Gaia once (or monthly, if financing), and we take care of all the individual bills from your clinic, pharmacy, and other providers throughout treatment." Its FAQs offer "a second retrieval cycle at no charge if your first doesn't produce viable embryos" and note that "Your initial consultation and diagnostics are not covered."

Its only published rate is one example: on its egg freezing page, "$150 per month based on $7,000 financed over 60 months at 10% APR. APR and term shown is for best credit." Gaia discloses that partner lenders pay it when you take out a loan. Everleap, Pinnacle and Extend name it.

The marketplaces: Sunfish, EggFund and United Medical Credit

None of the three lends; each passes you to partner lenders who set the rate. Sunfish (18 clinics, including Kindbody) says "Most borrowers receive between $5,000 and $50,000 for an unsecured loan" and that some partner lenders "may charge an origination fee of 1-12% of the loan." EggFund (16 clinics) states "EggFund is not a direct lender", requires a minimum FICO score of 600 and charges a success fee of $200 to $600 if you are funded. United Credit, formerly United Medical Credit (11 clinics), says "We are not a lender; instead, we are a gateway to lenders" and offers $500 to $25,000.

A marketplace can be useful if your credit is thin, because it shops several lenders at once. The cost is that you do not know the lender, the rate or the fees until you are matched, so read the final offer as carefully as any loan.

What the loans pay for: medications, donor eggs, surrogacy and egg freezing

A cycle price rarely includes everything, so check what the loan can be spent on. IVF medications, genetic testing of embryos, donor eggs and storage are often billed separately, sometimes by a different company than your clinic.

Medications. CapexMD's home page lists "Medications including Follistim & Gonal-F" among what one loan covers. Spring Fertility says of PatientFi that "you can finance any part of your cycle, including medications." OneMain's IVF page names "medications, medical procedures or diagnostic tests related to fertility treatment." A clinic's own plan may not: CNY Fertility's in-house financing "applies to costs paid directly to CNY and cannot be used for third-party costs like medications."

Donor eggs and surrogacy. CapexMD also lists "Donor fees" and "Surrogacy agency fees." EggFund says "Whether it’s IVF, egg freezing, egg donation, surrogacy, or adoption, EggFund is committed to making these costs manageable", and United Medical Credit's fertility page lists donor eggs and surrogacy among the procedures its partner lenders finance. Gaia does not cover surrogacy: "We can't currently offer a plan if you need a surrogate." Surrogacy costs run far above a cycle (agencies' own estimates are on the surrogacy cost page), so a loan that pays you, or a home-equity line through a marketplace, is often the only option at that size.

Egg freezing. Six of the lenders we read name egg freezing on their own pages: CapexMD, Future Family, Gaia, EggFund, Sunfish and United Medical Credit. Gaia's egg freezing page gives the only worked example: "$150 per month based on $7,000 financed over 60 months at 10% APR. APR and term shown is for best credit." Spring Fertility runs its own egg freezing plan at under $300 a month. Every egg freezing city page on IVFcost.co lists these lenders beside the clinics' own posted prices.

8. What a $25,000 cycle costs a month

A typical all-in IVF cycle runs about $25,000 on IVFcost.co's cost model, and most families need two or three cycles. Here is what borrowing $25,000 over 60 months costs at each lender's lowest and highest published APR. This is plain amortization arithmetic on the published range, not an offer.

The spread is the point. The same $25,000 costs $27,618 in total at 3.99% and $54,190 at 35.99%. Most borrowers will not get either end: the lowest rates go to excellent credit, and Prosper's published average shows where a typical borrower lands. A rate quote from two or three lenders, each through a soft credit check, is worth more than any table.

Size the loan to the treatment, not one cycle. The IVF cost guide shows why: medications, genetic testing and frozen transfers are often billed apart from the cycle price, and a loan sized to one cycle can run out mid-treatment. Use the loan calculator with the APR and term a lender actually offers you.

9. The 0% offers: read these twice

"0% interest" means two different things in IVF financing, and only one of them is free.

A true 0% loan charges no interest on what you repay in the promotional period, and the rest is repaid at a stated fixed rate. PatientFi's fertility page describes its version: "If not paid in full during the promotional period the APR will increase to a 6.99–32.99% fixed rate." ARC Fertility, which finances through PatientFi, advertises "0% zero-interest plans for 6 months."

Deferred interest is different: interest builds from day one and is waived only if the whole balance is paid off in time. Miss by one dollar and all of it is charged back to the start.

• CareCredit, in its rates and fees document: "Interest at the rate of 32.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period."
• CapexMD, on its 6-month offer: "Interest will be waived if the loan balance and all accrued non-interest fees are paid in full by the due date of the 6th monthly payment. If the loan balance and fees are not paid in full by such date, interest will be imposed from the date of the loan." Its page adds that the minimum monthly payment "will not pay off the balance in 6 months."
• United Medical Credit, on its partner lenders' promotions: "Programs may accrue interest during life of the loan, which is payable if loan is not paid in full by promotional period."

This is where patients lose money. The Consumer Financial Protection Bureau found that "People used specialty medical credit cards or loans with deferred interest periods to pay for almost $23 billion in healthcare expenses for more than 17 million medical purchases from 2018 to 2020. They also paid $1 billion in deferred interest." Its May 2023 report also notes that these products "have largely replaced the low- or no-cost informal payment plans offered to patients directly by their medical providers."

The rule of thumb. A deferred-interest 0% offer is only worth taking for an amount you are certain to clear before the promotion ends, from money you already have or know is coming (a grant award, an employer reimbursement, an HSA balance). For a $25,000 cycle on a typical income, a fixed-rate loan you can actually repay is safer than a 0% offer you cannot.

10. Clinics' own payment plans

59 clinics and networks name a plan they run themselves, and they fall into three groups.

Refund and multi-cycle programs. These are not financing, but clinics often list them on the same page: CCRM's Assure-IVF program, Shady Grove's multi-cycle refund program ("up to 6 IVF or donor egg cycles and any subsequent frozen embryo transfers (FETs) for a flat amount"), Everleap's CareShare ("up to six IVF cycles for a single package price"), IVFMD's Money Back Guarantee and Aspire Fertility's Financial Assurance Plan. Our census of IVF refund programs covers every one with its terms; the short version is that they insure against needing several cycles and cost more if the first one works.

In-house payment plans. A few private clinics finance treatment themselves, and these plans tend to ask less of your credit:

• CNY Fertility: "CNY Fertility offers in-house financing with no credit check and a 100% approval rate. Patients can finance their treatment for up to 36 months with a portion due upfront before starting." It applies only to costs paid to CNY, not medications.
• The IVF Center (Winter Park, Florida) offers in-house financing to self-pay patients, with a 60% down payment, a 3% administrative fee and a 6-month repayment period, and no credit check.
• Pinnacle Fertility: "If you don't qualify for traditional financing, you're automatically considered for our Pinnacle Patient Pathways", which requires 50% down and repayment over 6 or 12 months.
• Spring Fertility runs an in-house plan for egg freezing "with payments less than $300/month for the cost of one egg freezing cycle (medications not included)."
• Nevada Fertility Institute and Morgan Fertility describe in-house plans with no credit check.

Health-system billing plans. Hospital-based programs (Duke, the University of Kansas Health System, Cleveland Clinic, Kaiser Permanente, Allegheny Health Network and others) offer the health system's ordinary billing payment plans. The University of Kansas Health System describes "interest-free, monthly payment plans for qualifying patients who are unable to pay their full balance", and Duke Health offers "an interest free payment plans" to patients who do not qualify for other financing. If your clinic belongs to a health system, ask about these before borrowing: an interest-free plan from the hospital costs nothing.

11. By state

How often clinics name a lender varies by state. Among independent clinics (network clinics are counted once, at the network level, and left out here), the share that name at least one lender on their own pages:

Where IVF coverage is required, fewer clinics advertise loans. New York and Illinois, which require many fully-insured plans to cover IVF, have the lowest shares in this table. Texas, where each employer decides whether its plan includes IVF, and Florida, whose only fertility coverage law reaches state employees, are among the highest. That fits what a clinic needs: where more patients have coverage, fewer need a lender. It is a pattern across eight states, several with few clinics, not a proof. Every state's coverage law is on its state page, and each state and metro clinic page on IVFcost.co now lists the lenders its clinics name.

12. How to choose, in order

Borrow last. The order that saves the most money:

1. Grants first. 23 US grants publish their terms. Several pay your clinic directly for treatment you have not had yet, and some ask you to apply before treatment starts or is paid for, so a loan taken first can cost you a grant.
2. Pre-tax money. IVF is a qualified medical expense under IRS Publication 502, so it can be paid from an HSA or FSA, and costs above 7.5% of adjusted gross income may be deductible.
3. Insurance and your employer. Check your state's law and your plan; companies that cover IVF list what large employers publish.
4. A refund program, if your odds make several cycles likely (census).
5. Your clinic's own plan, if it has an interest-free one.
6. Then a loan. Get two or three quotes by soft credit check: one from a lender your clinic names, one from a personal lender that pays you, and compare the APR, the fees outside it, and who gets paid.

Before you sign any IVF loan, check these eight things in the offer itself, not the advertisement:

1. The APR, not the interest rate. The APR includes an origination fee; the interest rate does not. Happen Bank's own example shows the gap: a loan at a 13.99% interest rate with a 6% origination fee carries an APR of 18.40%.
2. What you actually receive. Where the fee is taken from the loan (Prosper, Upgrade, Best Egg, Happen Bank's personal loans), you receive less than you borrow. Size the loan to the bill plus the fee.
3. Fees outside the APR. Membership or concierge fees (Future Family), a success fee (EggFund), an application or documentation fee (CapexMD, in some states) and late fees are not in the APR.
4. Whether a 0% period is deferred interest. If the offer says "no interest if paid in full", interest builds from day one.
5. Who is paid, and when. A loan paid to the clinic follows that clinic; check what happens if you switch, and how long the funds stay available (Future Family's windows are 45 days, then 120).
6. What it covers. Medications, genetic testing, donor eggs and storage are often billed by others.
7. The term and the total. A longer term lowers the payment and raises the total; compare the total repaid.
8. Prepayment. CapexMD ("There are no prepayment penalties"), Happen Bank, Prosper and United Credit all state none. If a grant or reimbursement arrives later, you want to repay early without a penalty.

Questions to ask your clinic's financial counselor:

• Which lenders do you work with, and do you receive anything from them?
• Will the lender pay you directly, and what happens if I change clinics?
• Is any 0% offer deferred interest?
• Do you have an in-house or interest-free payment plan?
• Which costs are outside your price (medications, genetic testing, storage), and will the loan cover them?

13. Common questions

What is the best lender for IVF? There is no single best one. The cheapest loan is the lowest APR you are actually offered, and that depends on your credit. CapexMD is the lender clinics name most, and the only one whose own pages say it never runs a hard credit inquiry, even when you accept. Personal lenders such as Happen Bank, Upstart and Discover publish lower starting rates. Compare at least two quotes.

Do fertility clinics finance IVF themselves? A few do. CNY Fertility, The IVF Center, Pinnacle Fertility and some others run in-house plans, usually with a large down payment and a short term, and often with no credit check. Hospital-based clinics may offer the health system's interest-free billing plans.

Is LendingClub still financing IVF? Clinics still name LendingClub Patient Solutions, but the lending is now done by Happen Bank, whose health and wellness financing offers $500 to $65,000 over 6 to 144 months at APRs "as low as 3.99% and up to 30.99%", paid to your provider.

Is CareCredit good for IVF? It can be, for an amount you will clear inside a promotional period. Its standard APR is 32.99%, and its "no interest if paid in full" promotions charge all the interest from the purchase date if you do not. Its 24 to 60-month plans carry fixed APRs of 17.90% to 20.90%.

Can I use a personal loan for IVF? Yes. Upstart, Discover, Prosper and OneMain all name fertility treatment or IVF on their own pages, and a personal loan pays you, so it works at any clinic. Most charge an origination fee taken from the loan.

Does checking an IVF loan rate hurt my credit? Usually not. Most lenders we read let you check a rate with a soft inquiry and run a hard inquiry only when you accept. CapexMD's own page says it runs none at all, even then.

How fast can I get an IVF loan? Faster than a cycle is scheduled, in most cases. CapexMD promises a same-day review for applications submitted before 2 pm Eastern and pays providers within two business days. Future Family says "you could be funded for your IVF treatment loan in as little as 24 hours." CareCredit gives "a credit decision in about six seconds." Happen Bank pays your provider within one to three business days of the signed agreement. Personal lenders such as Upgrade and Discover fund within a business day of approval.

Can I get an IVF loan with bad credit? Some lenders state a minimum: EggFund's network requires a FICO score of 600, Prosper requires 640 to accept a loan, and Future Family recommends 680. The others do not publish one. A clinic's own payment plan is the most forgiving route: CNY Fertility, The IVF Center, Nevada Fertility Institute and Morgan Fertility all describe plans with no credit check, in exchange for a large down payment or a short term. OneMain also offers loans secured by a car, which its IVF page says can help approval; you can lose the collateral if you fall behind.

Can I finance IVF abroad? Only with a loan that pays you. Clinic-paid lenders such as CapexMD and Happen Bank's patient financing work only at enrolled US providers. A personal loan, or a marketplace loan from EggFund or Sunfish, pays you, so you can spend it at a clinic in Mexico, Spain or anywhere else. What clinics abroad post for IVF is on the IVF abroad page.

Do IVF loans cover the medications? It depends on the lender. CapexMD names medications among what its loans cover, and PatientFi's wallet can be spent at your pharmacy; a clinic's in-house plan usually covers only what the clinic bills. Medications can add several thousand dollars to a cycle, so ask before you size the loan.

Will my clinic tell me if it is paid by a lender? Ask the financial counselor directly: which lenders the clinic works with, and whether it receives anything from them. Our read recorded which lenders clinics name, not their arrangements with them. A clinic that names several lenders gives you a comparison either way.

14. How we checked, and what this does not show

What we read. The financing, pricing, insurance and billing pages of 343 independent US fertility clinics that report to the CDC and have a website, and the financing pages of the ten networks IVFcost.co tracks, between October 28 and October 29, 2026, with IVFcost.co's own page reader (a direct read, then a browser, then an archived copy where a site refused). Network members are counted through their network. Clinics with no website of their own, and clinics the CDC lists as closed, were not read.

What we counted. A lender counts for a clinic when the clinic's own page names it in readable text, with a quote that names it and that matches the page word for word. A lender shown only as a logo is not counted (6 clinics). A program that is not financing (a treatment package sold by a third party, a benefits company) is not counted as a lender. Two sites were excluded as stale or compromised.

What we found on all 353 sites, so every figure in this report has its denominator:

We will read them again. Clinics change lenders and lenders change terms; each clinic's page on IVFcost.co shows the date its financing page was read, and each lender page the date of its own read.

What this does not show. A clinic can work with a lender it does not name on its website, and a page can name a lender the clinic no longer uses. Clinics are not lenders' agents in any formal sense, and nothing here says whether a clinic receives anything from a lender. Lenders change their rates; every figure here is what the lender's own page stated on October 28, 2026, and each lender's page on IVFcost.co links the page it comes from. This is information, not financial advice.

Where the data is. Every clinic's page on IVFcost.co lists the lenders it names, with the quote and link; every lender page lists the clinics that name it; and each state and metro page summarizes its clinics.

This report reflects clinic and lender websites as read on October 28 and 29, 2026. Lenders change rates, terms and promotions without notice, so confirm every figure with the lender before you apply.