IVF loans: every lender's published rates, side by side
14 lenders that finance IVF, each read on its own pages: fertility lenders, financing paid to your clinic, and ordinary personal loans. Lowest published APR first, never by what a lender pays us.
Published APRs run from 3.99% to 35.99% across the lenders below, and what you are offered depends on your credit. A typical all-in cycle is about $25,000, and most families need 2.3 to 2.7 cycles. Borrow last: grants, pre-tax HSA and FSA dollars and refund programs come first.
IVF lenders, lowest published APR first
Read on each lender's own pages (latest Oct 28, 2026). "A month" is $25,000 at the lender's lowest published APR over 60 months (or its longest term, if shorter): arithmetic, not an offer.
| Lender | Rate | Amounts | Term | Fees | Monthly, from |
|---|---|---|---|---|---|
| Happen Bank patient financingPatient financingPays your clinic directly; only at providers enrolled with it. | 3.99% to 30.99% APR, with some 0% plans | $500 to $65,000 | 6 to 144 months | No prepayment penalty; borrower fees not published | $460 (60 mo) |
| PatientFiPatient financingFunds your clinic, then a digital wallet for your clinic and pharmacy; 0% plans revert to a fixed APR. | 6.99% to 32.99% APR (fertility plans from 3.99%); 0% promotional plans | Up to $50,000 for fertility | 12 to 84 months in its examples | No fees advertised; a 0% plan not paid off in time is re-amortized at the fixed APR | $460 (60 mo) |
| Happen BankPersonal loanFor almost any purpose, with a few exceptions. | 5.96% to 35.99% APR | $1,000 to $75,000 | 24 to 84 months | Origination fee 0% to 8% | $483 (60 mo) |
| UpstartPersonal loanIts medical-loans page names fertility treatments. | 6.3% to 35.99% APR (varies by state) | $1,000 to $75,000 | 3 or 5 years | Origination fee (example: 8.15% on $10,000) | $487 (60 mo) |
| Best EggPersonal loanThe fee is at least 4.99% on a loan of 4 years or longer. | 6.99% to 35.99% APR | $2,000 to $50,000 | 36 to 60 months | Origination fee 0.99% to 9.99% (at least 4.99% on terms of 4 years or more) | $495 (60 mo) |
| Discover Personal LoansPersonal loanNo fees; names IVF among its loan uses. | 6.99% to 24.99% APR | $2,500 to $40,000 | 36 to 84 months | No origination fee | $495 (60 mo) |
| UpgradePersonal loanThe fee comes out of the loan, so borrow a little over the bill. | 7.74% to 35.99% APR | $1,000 to $50,000 | 24 to 84 months | Origination fee 1.85% to 9.99%, taken from the loan | $504 (60 mo) |
| CapexMDFertility lenderFertility-only; pays your providers directly; a soft credit check even when you accept. | 8.99% to 24.99% APR, fixed | $3,000 to $60,000 | 6 to 84 months | $25 application fee and $75 to $200 documentation fee in some states; no prepayment penalty | $519 (60 mo) |
| ProsperPersonal loanHas its own IVF loans page; needs a 640 credit score to accept a loan. | 8.99% to 35.99% APR | $2,000 to $50,000 | 2 to 6 years | Origination fee 1% to 9.99%, taken from the loan | $519 (60 mo) |
| Future FamilyFertility lenderFertility-only lender that pays your clinic and pharmacy directly; membership fees are separate from the loan. | 9.74% to 23.74% APR | Up to $50,000 | 60 months in its examples (no range published) | No upfront loan fees; membership and concierge fees separate (amounts not published) | $528 (60 mo) |
| OneMain FinancialPersonal loanHas its own page for IVF loans; secured loans too. | 11.99% to 35.99% APR | $1,500 to $30,000 | 24 to 60 months | Origination fee $25 to $500 or 1% to 10%, by state | $556 (60 mo) |
| CareCreditPatient financingA health credit card: its 0% promotions charge all the interest back if not paid off in time. | 32.99% standard APR; 0% if paid in full in 6 to 24 months; 17.90% to 20.90% on 24 to 60-month plans | Up to your credit limit (promotions from $200) | 6 to 24-month promotions; 24 to 60-month plans | No annual fee; late fee up to $41 | $675 (60 mo) |
| EggFundLoan marketplaceMatches you with partner lenders; minimum FICO 600; charges a success fee if you are funded. | From 6.99% APR, set by the partner lender | Up to $250,000 | Set by the partner lender | Success fee of $200 to $600 if funded; lender fees may apply | Not published |
| SunfishLoan marketplaceA family-building company that connects you to partner lenders; it does not lend itself. | Not published; set by its partner lenders | Most borrowers $5,000 to $50,000; secured loans up to $400,000 | Set by the partner lender | No fee to apply; partner lenders may take a 1% to 12% origination fee | Not published |
What a loan would cost you
Put in the APR and term a lender offers you. Nothing you type is sent or stored.
What would a loan cost each month?
- Monthly payment
- $595
- Total interest
- $10,685
- Total repaid
- $35,685
Standard fixed-rate arithmetic. Many personal lenders also take an origination fee (0% to about 10%) out of the loan, so you receive less than you borrow; the APR a lender quotes already counts it.
What to compare before you sign
- The APR, not the interest rate: the APR includes the origination fee, which most lenders take out of the loan, so you receive less than you borrow.
- Fees outside the APR: some fertility lenders charge membership or concierge fees that are not part of the loan.
- What happens after a 0% promotion: on some plans the standard rate applies to what is left, or interest is charged back to the start, when the promotion ends.
- Who is paid: patient financing usually pays your clinic directly; a personal loan pays you.
- A soft credit check first: most lenders quote a rate without affecting your score, so check two or three before you apply.
- The total, not one cycle: most families need 2.3 to 2.7 cycles, and a loan sized to one can run out mid-treatment.
Money you would not have to repay
IVF loans: common questions
What is the best loan for IVF?
There is no single best one: the cheapest loan is the one with the lowest APR you are actually offered, and that depends on your credit. Of the 14 lenders we read, the lowest published starting APR is 3.99% (Happen Bank patient financing), and the highest published rate is 35.99%. Compare the APR, because it includes the origination fee, check whether fees sit outside it (some fertility lenders charge membership or concierge fees), and check your rate with a soft credit pull at two or three lenders before you apply.
Can you use a personal loan for IVF?
Yes. Upstart, Discover Personal Loans and OneMain Financial name IVF or fertility treatment on their own pages. A personal loan pays you, not the clinic, so you pay the clinic's bill yourself, and the origination fee most of them charge comes out of the loan.
How much is the monthly payment on an IVF loan?
Borrowing $25,000, a typical all-in cycle, over 60 months costs about $460 a month at 3.99% APR and $824 at 30.99%. Most families need 2.3 to 2.7 cycles, so size the loan to the treatment you expect, not one cycle.
Should you take a loan before applying for IVF grants?
Apply for 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 cycle already paid with a loan may not qualify. Pay what you can with pre-tax HSA or FSA dollars, consider a multi-cycle refund program if several cycles look likely, and borrow for the rest.