Prosper IVF loans: rates, terms and fees
What Prosper'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
Prosper publishes 8.99% to 35.99% APR, for $2,000 to $50,000, over 2 to 6 years. Its IVF and fertility page offers its personal loans for fertility medications and procedures. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $519 a month at its lowest published APR and $903 at its highest; your own rate depends on your credit.
Prosper's published terms
Read on Oct 28, 2026 on Prosper's own pages.
- Rate
- 8.99% to 35.99% APR
- Amounts
- $2,000 to $50,000
- Term
- 2 to 6 years
- Fees
- Origination fee 1% to 9.99%, taken from the loan
- Fertility treatment
- Its IVF and fertility page offers its personal loans for fertility medications and procedures.
- Checking a rate
- Checking a rate does not affect your credit score; a score of 640 is needed to accept a loan.
- Who is paid
- You, after the origination fee is deducted
Source: Prosper: IVF and fertility loans
What Prosper says
The words in quotation marks are the lender's own.
IVF
Prosper has a page for IVF and fertility loans. They are its ordinary personal loans.
“Prosper takes the worry out of financing fertility medications and procedures.”
Rates, terms and fees
An APR from 8.99% to 35.99% over 2 to 6 years, with an origination fee of 1% to 9.99%.
“Personal loans through Prosper have an annual percentage rate ("APR") of 8.99% to 35.99%, terms between two and six years, and an origination fee from 1% to 9.99%.”
What borrowers actually paid
Prosper publishes the average APR on its recent 3-year loans, well above its lowest rate.
“The average APR for loans with a 3-year term funded between January 1, 2026, and March 31, 2026, was 24.19%.”
Credit
A score of 640 or higher is needed to accept a loan.
“Borrowers who accept a personal loan through Prosper must have a credit score of 640 or higher to qualify for a loan.”
What $25,000 would cost with Prosper
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on Prosper'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, 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.
Prosper 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
Prosper for IVF: common questions
Can you use Prosper for IVF?
Its IVF and fertility page offers its personal loans for fertility medications and procedures.
What APR does Prosper charge?
Prosper publishes 8.99% to 35.99% APR. Origination fee 1% to 9.99%, taken from the loan. The rate you are offered depends on your credit, the amount and the term, and only Prosper can quote it.
How much can you borrow from Prosper, and for how long?
$2,000 to $50,000, over 2 to 6 years.
How much would a $25,000 IVF cycle cost a month with Prosper?
Over 60 months at 8.99% APR, about $519 a month ($31,130 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 Prosper affect your credit?
Checking a rate does not affect your credit score; a score of 640 is needed to accept a loan.
Does Prosper pay the clinic directly?
You, after the origination fee is deducted.
- Prosper: IVF and fertility loans (read Oct 28, 2026)
- Prosper: personal loans (read Oct 28, 2026)