PatientFi IVF loans: rates, terms and fees
What PatientFi'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
PatientFi publishes 6.99% to 32.99% APR (fertility plans from 3.99%); 0% promotional plans, for up to $50,000 for fertility, over 12 to 84 months in its examples. Its fertility page offers financing for fertility care, usable at your clinic and pharmacy. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $460 a month at its lowest published APR and $855 at its highest; your own rate depends on your credit.
PatientFi's published terms
Read on Oct 28, 2026 on PatientFi's own pages.
- Rate
- 6.99% to 32.99% APR (fertility plans from 3.99%); 0% promotional plans
- Amounts
- Up to $50,000 for fertility
- Term
- 12 to 84 months in its examples
- Fees
- No fees advertised; a 0% plan not paid off in time is re-amortized at the fixed APR
- Fertility treatment
- Its fertility page offers financing for fertility care, usable at your clinic and pharmacy.
- Checking a rate
- No hard credit check to review an offer.
- Who is paid
- Your provider; the rest sits in a digital wallet for your clinic, other providers and pharmacy
Source: PatientFi: lending partners
What PatientFi says
The words in quotation marks are the lender's own.
Fertility care
PatientFi has a fertility page; it approves up to $50,000 there.
“When it's time to move forward with your fertility journey, cost shouldn't get in the way.”
“We approve up to $50,000”
Rates
Its fixed-rate plans run from 6.99% to 32.99% APR in its own examples.
“An 84-month loan for $10,000 would have an APR range of 6.99% to 32.99%, and monthly payments ranging from $150.88”
After a 0% plan
A 0% plan only stays at 0% if it is paid off in time; otherwise the rest is repaid at a fixed APR.
“If not paid in full during the promotional period the APR will increase to a 6.99–32.99% fixed rate.”
Who it pays
The money goes to a digital wallet you spend at your clinic, other providers and your pharmacy.
“Use your digital wallet at your clinic, other providers, and at your pharmacy.”
What $25,000 would cost with PatientFi
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on PatientFi's published range, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest APR, 3.99% | 60 | $460 | $27,618 |
| Its highest APR, 32.99% | 60 | $855 | $51,321 |
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.
PatientFi 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
PatientFi for IVF: common questions
Can you use PatientFi for IVF?
Its fertility page offers financing for fertility care, usable at your clinic and pharmacy.
What APR does PatientFi charge?
PatientFi publishes 6.99% to 32.99% APR (fertility plans from 3.99%); 0% promotional plans. No fees advertised; a 0% plan not paid off in time is re-amortized at the fixed APR. The rate you are offered depends on your credit, the amount and the term, and only PatientFi can quote it.
How much can you borrow from PatientFi, and for how long?
Up to $50,000 for fertility, over 12 to 84 months in its examples.
How much would a $25,000 IVF cycle cost a month with PatientFi?
Over 60 months at 3.99% APR, about $460 a month ($27,618 in all). Over 60 months at 32.99% APR, about $855 a month ($51,321 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 PatientFi affect your credit?
No hard credit check to review an offer.
Does PatientFi pay the clinic directly?
Your provider; the rest sits in a digital wallet for your clinic, other providers and pharmacy.
- PatientFi: lending partners (read Oct 28, 2026)
- PatientFi: fertility patients (read Oct 28, 2026)