OneMain Financial IVF loans: rates, terms and fees
What OneMain Financial'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
OneMain Financial publishes 11.99% to 35.99% APR, for $1,500 to $30,000, over 24 to 60 months. It has its own IVF loans page, naming medications, procedures and fertility tests. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $556 a month at its lowest published APR and $903 at its highest; your own rate depends on your credit.
OneMain Financial's published terms
Read on Oct 28, 2026 on OneMain Financial's own pages.
- Rate
- 11.99% to 35.99% APR
- Amounts
- $1,500 to $30,000
- Term
- 24 to 60 months
- Fees
- Origination fee $25 to $500 or 1% to 10%, by state
- Fertility treatment
- It has its own IVF loans page, naming medications, procedures and fertility tests.
- Checking a rate
- Checking for offers does not affect your credit score.
- Who is paid
- You (it does not pay the clinic directly)
What OneMain Financial says
The words in quotation marks are the lender's own.
IVF
OneMain has a page for IVF loans. The loan is paid to you, not the clinic, and can cover medications, procedures and tests.
“While a OneMain personal loan doesn’t directly pay your healthcare providers, it can help you manage the costs of IVF, including medications, medical procedures or diagnostic tests related to fertility treatment.”
Rates, amounts and terms
$1,500 to $30,000 over 2 to 5 years, at a fixed 11.99% to 35.99% APR.
“Fixed rates ranging from 11.99% – 35.99% APR”
“Apply today for a personal loan for IVF from $1,500 - $30,000.”
Fees
An origination fee, either flat or a percentage of the loan, depending on the state.
“This fee could either be a flat amount, ranging from $25 to $500, or a percentage of the loan amount, ranging from 1% to 10%.”
Secured loans
It also offers loans secured by a car, which it says can mean a larger amount or a lower rate. You can lose the collateral if you do not repay.
“If you’re concerned about whether or not you can get a loan for IVF, you could consider applying for a secured IVF loan backed with something of value called collateral”
What $25,000 would cost with OneMain Financial
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on OneMain Financial's published range, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest APR, 11.99% | 60 | $556 | $33,359 |
| 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.
OneMain Financial 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
OneMain Financial for IVF: common questions
Can you use OneMain Financial for IVF?
It has its own IVF loans page, naming medications, procedures and fertility tests.
What APR does OneMain Financial charge?
OneMain Financial publishes 11.99% to 35.99% APR. Origination fee $25 to $500 or 1% to 10%, by state. The rate you are offered depends on your credit, the amount and the term, and only OneMain Financial can quote it.
How much can you borrow from OneMain Financial, and for how long?
$1,500 to $30,000, over 24 to 60 months.
How much would a $25,000 IVF cycle cost a month with OneMain Financial?
Over 60 months at 11.99% APR, about $556 a month ($33,359 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 checking your rate with OneMain Financial affect your credit?
Checking for offers does not affect your credit score.
Does OneMain Financial pay the clinic directly?
You (it does not pay the clinic directly).
- OneMain Financial: personal loans (read Oct 28, 2026)
- OneMain Financial: ivf loans (read Oct 28, 2026)