Future Family IVF loans: rates, terms and fees
What Future Family'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
Future Family publishes 9.74% to 23.74% APR, for up to $50,000, over 60 months in its examples (no range published). It is a fertility lender: its loans for IVF are built to bundle your fertility costs in one place. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $528 a month at its lowest published APR and $715 at its highest; your own rate depends on your credit.
Future Family's published terms
Read on Oct 28, 2026 on Future Family's own pages.
- Rate
- 9.74% to 23.74% APR
- Amounts
- Up to $50,000
- Term
- 60 months in its examples (no range published)
- Fees
- No upfront loan fees; membership and concierge fees separate (amounts not published)
- Fertility treatment
- It is a fertility lender: its loans for IVF are built to bundle your fertility costs in one place.
- Checking a rate
- Checking a rate does not affect your credit; it recommends a FICO score of 680 or higher.
- Who is paid
- Your clinic, pharmacy and approved third parties, directly
Source: Future Family: FAQ
What Future Family says
The words in quotation marks are the lender's own.
Rates
An APR from 9.74% to 23.74%, set by your credit, the amount, the term and the clinics providing your care.
“Our interest rates are some of the lowest in the industry, ranging from 9.74% to 23.74%, depending on the loan products for which you qualify and the clinics or vendors that will be providing your care.”
Fees outside the loan
No upfront loan fee, but membership and concierge fees that are not part of the APR; it does not publish their amounts.
“Our financing plans do not charge upfront loan fees, but there are membership fees associated with our membership and concierge offerings.”
Who it pays
It pays your clinic, pharmacy and approved third parties directly, within windows that start when you sign.
“We will pay your IVF clinic, pharmacy, and approved third parties associated with your Future Family IVF payment plan directly.”
“Future Family allows payments to providers (disbursements) starting within 45 days of signing your contract. Once your first disbursement was issued within this window, an additional 120 days is provided to use all available remaining funds.”
Credit
Checking a rate is free and does not touch your score; the hard inquiry comes only if you take the loan. It recommends 680 or higher.
“We recommend a FICO score of 680 or higher to get started. Checking your rate or prequalifying for a loan will not affect your credit score.”
Its own worked example
Future Family's example of an $18,000 loan over 60 months.
“if you take out a Future Family loan for $18,000 with an APR of 14.99% and a 60-month term, Future Family will disburse $18,000 to vendors on your behalf and you will make 60 monthly payments of $428.22.”
What $25,000 would cost with Future Family
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on Future Family's published range, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest APR, 9.74% | 60 | $528 | $31,679 |
| Its highest APR, 23.74% | 60 | $715 | $42,926 |
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.
Future Family 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
Future Family for IVF: common questions
Can you use Future Family for IVF?
It is a fertility lender: its loans for IVF are built to bundle your fertility costs in one place.
What APR does Future Family charge?
Future Family publishes 9.74% to 23.74% APR. No upfront loan fees; membership and concierge fees separate (amounts not published). The rate you are offered depends on your credit, the amount and the term, and only Future Family can quote it.
How much can you borrow from Future Family, and for how long?
Up to $50,000, over 60 months in its examples (no range published).
How much would a $25,000 IVF cycle cost a month with Future Family?
Over 60 months at 9.74% APR, about $528 a month ($31,679 in all). Over 60 months at 23.74% APR, about $715 a month ($42,926 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 Future Family affect your credit?
Checking a rate does not affect your credit; it recommends a FICO score of 680 or higher.
Does Future Family pay the clinic directly?
Your clinic, pharmacy and approved third parties, directly.
- Future Family: FAQ (read Oct 28, 2026)
- Future Family: home page (read Oct 28, 2026)