Sunfish IVF loans: rates, terms and fees
What Sunfish'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
Sunfish does not lend itself: it matches you with partner lenders, who set the rate and the term (not published; set by its partner lenders), for most borrowers $5,000 to $50,000; secured loans up to $400,000. Its partner lenders cover IVF, medications, donor costs, surrogacy, egg freezing and travel.
Sunfish's published terms
Read on Oct 28, 2026 on Sunfish's own pages.
- Rate
- Not published; set by its partner lenders
- Amounts
- Most borrowers $5,000 to $50,000; secured loans up to $400,000
- Term
- Set by the partner lender
- Fees
- No fee to apply; partner lenders may take a 1% to 12% origination fee
- Fertility treatment
- Its partner lenders cover IVF, medications, donor costs, surrogacy, egg freezing and travel.
- Who is paid
- You, in most cases
Source: Sunfish: FAQs
What Sunfish says
The words in quotation marks are the lender's own.
Through partner lenders
Sunfish gives access to loans from partner lenders, who set the rate and terms.
“We provide access to several flexible financing options through our partner lenders for IVF, medication, and more.”
Amounts
Most unsecured loans are $5,000 to $50,000; secured home-equity lines go higher.
“Most borrowers receive between $5,000 and $50,000 for an unsecured loan. Our partner lenders also offer options for secured loans (HELOCs) up to $400,000.”
Fees
Some partner lenders take an origination fee out of the loan.
“Some lenders may charge an origination fee of 1-12% of the loan that will be deducted from the loan proceeds before they are delivered to you.”
Who it pays
Usually you, so you can use the money at any clinic or agency.
“In most cases, funds will be distributed to you personally to use as needed, to allow you the most flexibility on your journey.”
What $25,000 would cost with Sunfish
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on Sunfish's published range, not an offer.
Sunfish does not publish an APR range and a term we can compute a payment from, so ask it for the APR, the term and every fee in writing, then put them into the calculator below.
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.
Sunfish 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
Sunfish for IVF: common questions
Can you use Sunfish for IVF?
Its partner lenders cover IVF, medications, donor costs, surrogacy, egg freezing and travel.
What APR does Sunfish charge?
Sunfish does not lend, so the rate is the partner lender's (not published; set by its partner lenders). No fee to apply; partner lenders may take a 1% to 12% origination fee.
How much can you borrow from Sunfish, and for how long?
Most borrowers $5,000 to $50,000; secured loans up to $400,000; the partner lender sets the term.
Does Sunfish pay the clinic directly?
You, in most cases.
- Sunfish: FAQs (read Oct 28, 2026)