Best Egg IVF loans: rates, terms and fees
What Best Egg's own pages say about borrowing for fertility treatment, read on Oct 28, 2026, and what its published range means on a typical cycle.
- Pages read · checked 20 h ago
Best Egg publishes 6.99% to 35.99% APR, for $2,000 to $50,000, over 36 to 60 months. Its personal loan page does not name IVF or fertility treatment. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $495 a month at its lowest published APR and $903 at its highest; your own rate depends on your credit.
Best Egg's published terms
Read on Oct 28, 2026 on Best Egg's own pages.
- Rate
- 6.99% to 35.99% APR
- Amounts
- $2,000 to $50,000
- Term
- 36 to 60 months
- Fees
- Origination fee 0.99% to 9.99% (at least 4.99% on terms of 4 years or more)
- Fertility treatment
- Its personal loan page does not name IVF or fertility treatment.
- Who is paid
- You, by deposit to your bank account
Source: Best Egg: personal loans
What Best Egg says
The words in quotation marks are the lender's own.
Rates and fees
An APR from 6.99% to 35.99%, which includes an origination fee of 0.99% to 9.99% taken out of the loan.
“The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive.”
“The origination fee on a loan term 4 years or longer will be at least 4.99%.”
Terms
3 to 5 years.
“Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum term of 60 months.”
Its own worked example
Best Egg's own example of what a monthly payment looks like.
“For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81”
How fast
Money is deposited within 1 to 3 business days once you are verified.
“After successful verification, your money can be deposited in your bank account within 1-3 business days.”
What $25,000 would cost with Best Egg
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on Best Egg's published range, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest APR, 6.99% | 60 | $495 | $29,695 |
| Its highest APR, 35.99% | 60 | $903 | $54,190 |
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.
Best Egg 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 |
| 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 |
| 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 |
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
Best Egg for IVF: common questions
Can you use Best Egg for IVF?
Its personal loan page does not name IVF or fertility treatment.
What APR does Best Egg charge?
Best Egg publishes 6.99% to 35.99% APR. Origination fee 0.99% to 9.99% (at least 4.99% on terms of 4 years or more). The rate you are offered depends on your credit, the amount and the term, and only Best Egg can quote it.
How much can you borrow from Best Egg, and for how long?
$2,000 to $50,000, over 36 to 60 months.
How much would a $25,000 IVF cycle cost a month with Best Egg?
Over 60 months at 6.99% APR, about $495 a month ($29,695 in all). Over 60 months at 35.99% APR, about $903 a month ($54,190 in all). That is arithmetic on its published terms, not a quote, and most families need 2.3 to 2.7 cycles.
Does Best Egg pay the clinic directly?
You, by deposit to your bank account.
- Best Egg: personal loans (read Oct 28, 2026)