CapexMD IVF loans: rates, terms and fees
What CapexMD'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
CapexMD publishes 8.99% to 24.99% APR, fixed, for $3,000 to $60,000, over 6 to 84 months. It lends only for fertility treatment, IVF included, at the providers listed on its site. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $519 a month at its lowest published APR and $734 at its highest; your own rate depends on your credit.
CapexMD's published terms
Read on Oct 28, 2026 on CapexMD's own pages.
- Rate
- 8.99% to 24.99% APR, fixed
- Amounts
- $3,000 to $60,000
- Term
- 6 to 84 months
- Fees
- $25 application fee and $75 to $200 documentation fee in some states; no prepayment penalty
- Fertility treatment
- It lends only for fertility treatment, IVF included, at the providers listed on its site.
- Checking a rate
- A soft inquiry only, even when you accept the loan; a spouse applies as co-borrower.
- Who is paid
- Your provider or providers, directly
Source: CapexMD: fertility financing
What CapexMD says
The words in quotation marks are the lender's own.
Fertility only
CapexMD lends only for fertility services and medications, from providers it lists.
“Loans are available only for fertility-related services and medications from the providers listed on our website”
Rates and terms
A fixed APR from 8.99% to 24.99%, repaid over 6 to 84 months.
“annual percentage rates (APR) vary from 8.99% to 24.99%, which are fixed for the life of the loan.”
“Repayment terms range from 6 to 84 months”
Credit
It never runs a hard inquiry, even if you take the loan.
“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.”
Its 0% offer
Its 6-month 0% offer waives interest only if the whole loan is repaid by the sixth payment; otherwise interest runs from the start.
“If the loan balance and fees are not paid in full by such date, interest will be imposed from the date of the loan.”
Who it pays
Your providers, directly.
“Once we have finalized your loan, all funds will be disbursed directly to your provider(s).”
What $25,000 would cost with CapexMD
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on CapexMD's published range, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest APR, 8.99% | 60 | $519 | $31,130 |
| Its highest APR, 24.99% | 60 | $734 | $44,018 |
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.
CapexMD 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
CapexMD for IVF: common questions
Can you use CapexMD for IVF?
It lends only for fertility treatment, IVF included, at the providers listed on its site.
What APR does CapexMD charge?
CapexMD publishes 8.99% to 24.99% APR, fixed. $25 application fee and $75 to $200 documentation fee in some states; no prepayment penalty. The rate you are offered depends on your credit, the amount and the term, and only CapexMD can quote it.
How much can you borrow from CapexMD, and for how long?
$3,000 to $60,000, over 6 to 84 months.
How much would a $25,000 IVF cycle cost a month with CapexMD?
Over 60 months at 8.99% APR, about $519 a month ($31,130 in all). Over 60 months at 24.99% APR, about $734 a month ($44,018 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 CapexMD affect your credit?
A soft inquiry only, even when you accept the loan; a spouse applies as co-borrower.
Does CapexMD pay the clinic directly?
Your provider or providers, directly.
- CapexMD: fertility financing (read Oct 28, 2026)
- CapexMD: faqs (read Oct 28, 2026)