ARC Fertility financing IVF loans: rates, terms and fees
What ARC Fertility financing's own pages say about borrowing for fertility treatment, read on Oct 28, 2026, and what its published terms mean on a typical cycle.
- Pages read · checked 23 h ago
ARC Fertility financing publishes From 6.99% APR (best credit, with autopay); 0% plans for 6 months, for up to $60,000, over up to 84 months; 6 months on its 0% plan. It is ARC Fertility's financing for IVF and other fertility treatment at its participating providers, made through PatientFi. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $495 a month at 6.99% APR; your own rate depends on your credit.
ARC Fertility financing's published terms
Read on Oct 28, 2026 on ARC Fertility financing's own pages.
- Rate
- From 6.99% APR (best credit, with autopay); 0% plans for 6 months
- Amounts
- Up to $60,000
- Term
- Up to 84 months; 6 months on its 0% plan
- Fees
- Not published
- Fertility treatment
- It is ARC Fertility's financing for IVF and other fertility treatment at its participating providers, made through PatientFi.
- Checking a rate
- Applying has no impact on your credit.
- Who is paid
- Participating providers, from a digital wallet
Source: ARC Fertility: financing
What ARC Fertility financing says
The words in quotation marks are the lender's own.
Amounts and rates
Up to $60,000, at APRs from 6.99% over up to 84 months, or a 0% plan over 6 months. It publishes no upper rate.
“Loan approvals up to $60,000. APRs start at and 6.99% for terms available up to 84 months, 0% zero-interest plans for 6 months.”
Who lends
ARC's application hands you to PatientFi; banks and credit unions extend the credit.
“PatientFi has teamed up with ARC Fertility to make fertility care more accessible and affordable”
“Financing credit is extended by participating banks and credit unions for the purchase of goods and/or services from participating healthcare providers.”
Credit
Applying does not affect your credit, and a decision comes in seconds.
“Instant decisions, no impact to credit”
What $25,000 would cost with ARC Fertility financing
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on ARC Fertility financing's published terms, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest published rate, 6.99% | 60 | $495 | $29,695 |
Most families need 2.3 to 2.7 cycles, so a loan sized to one cycle can run out mid-treatment. Where a lender takes an origination fee out of the loan, you receive less than you borrow: size the loan to the bill plus the fee.
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.
ARC Fertility financing against every other IVF lender we read
Lowest published APR first. The order never follows what a lender pays us.
| Lender | Kind | Rate | Amounts | Term |
|---|---|---|---|---|
| Happen Bank patient financing | Patient financing | 3.99% to 30.99% APR, with some 0% plans | $500 to $65,000 | 6 to 144 months |
| PatientFi | Patient financing | 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 |
| Happen Bank | Personal loan | 5.96% to 35.99% APR | $1,000 to $75,000 | 24 to 84 months |
| Upstart | Personal loan | 6.3% to 35.99% APR (varies by state) | $1,000 to $75,000 | 3 or 5 years |
| Best Egg | Personal loan | 6.99% to 35.99% APR | $2,000 to $50,000 | 36 to 60 months |
| Discover Personal Loans | Personal loan | 6.99% to 24.99% APR | $2,500 to $40,000 | 36 to 84 months |
| Upgrade | Personal loan | 7.74% to 35.99% APR | $1,000 to $50,000 | 24 to 84 months |
| CapexMD | Fertility lender | 8.99% to 24.99% APR, fixed | $3,000 to $60,000 | 6 to 84 months |
| Prosper | Personal loan | 8.99% to 35.99% APR | $2,000 to $50,000 | 2 to 6 years |
| Future Family | Fertility lender | 9.74% to 23.74% APR | Up to $50,000 | 60 months in its examples (no range published) |
| OneMain Financial | Personal loan | 11.99% to 35.99% APR | $1,500 to $30,000 | 24 to 60 months |
| ARC Fertility financing | Patient financing | From 6.99% APR (best credit, with autopay); 0% plans for 6 months | Up to $60,000 | Up to 84 months; 6 months on its 0% plan |
| CareCredit | Patient financing | 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 |
| EggFund | Loan marketplace | From 6.99% APR, set by the partner lender | Up to $250,000 | Set by the partner lender |
| Gaia | Fixed-price plan with financing | 10% APR in its one published example (best credit); no range published | All or part of your Gaia plan's price | 60 months in its example |
| Sunfish | Loan marketplace | 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 |
| United Credit | Loan marketplace | Not published; set by its partner lenders | $500 to $25,000 (some applicants qualify for more) | Set by the partner lender |
Money you would not have to repay
- 23 IVF grants that publish their terms, with which are open now
- HSA and FSA dollars: IVF is a qualified medical expense, so it can be paid pre-tax
- 5 multi-cycle refund programs, if more than one cycle looks likely
- Whether your state or your insurer requires IVF coverage
- Employers that cover IVF, in their own words
ARC Fertility financing for IVF: common questions
Can you use ARC Fertility financing for IVF?
It is ARC Fertility's financing for IVF and other fertility treatment at its participating providers, made through PatientFi.
What APR does ARC Fertility financing charge?
ARC Fertility financing publishes From 6.99% APR (best credit, with autopay); 0% plans for 6 months. Not published. The rate you are offered depends on your credit, the amount and the term, and only ARC Fertility financing can quote it.
How much can you borrow from ARC Fertility financing, and for how long?
Up to $60,000, over up to 84 months; 6 months on its 0% plan.
How much would a $25,000 IVF cycle cost a month with ARC Fertility financing?
Over 60 months at 6.99% APR, about $495 a month ($29,695 in all). That is arithmetic on its published terms, not a quote, and most families need 2.3 to 2.7 cycles.
Does checking your rate with ARC Fertility financing affect your credit?
Applying has no impact on your credit.
Does ARC Fertility financing pay the clinic directly?
Participating providers, from a digital wallet.
- ARC Fertility: financing (read Oct 28, 2026)
- ARC Fertility financing: apply (read Oct 28, 2026)