Upgrade IVF loans: rates, terms and fees
What Upgrade'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
Upgrade publishes 7.74% to 35.99% APR, for $1,000 to $50,000, over 24 to 84 months. Its personal loan page does not name IVF or fertility treatment. Borrowing $25,000 (a typical IVF cycle) over 60 months would cost about $504 a month at its lowest published APR and $903 at its highest; your own rate depends on your credit.
Upgrade's published terms
Read on Oct 28, 2026 on Upgrade's own pages.
- Rate
- 7.74% to 35.99% APR
- Amounts
- $1,000 to $50,000
- Term
- 24 to 84 months
- Fees
- Origination fee 1.85% to 9.99%, taken from the loan
- Fertility treatment
- Its personal loan page does not name IVF or fertility treatment.
- Checking a rate
- Soft credit check to apply.
Source: Upgrade: personal loans
What Upgrade says
The words in quotation marks are the lender's own.
Rates and fees
An APR from 7.74% to 35.99% and an origination fee of 1.85% to 9.99%, deducted from what you receive.
“Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds.”
Amounts and terms
$1,000 to $50,000, over 2 to 7 years.
“Qualified applicants can borrow $1,000 to $50,000 with a personal loan through Upgrade.”
“Loans terms offered through Upgrade vary from 24 to 84 months with Annual Percentage Rates (APRs) of 7.74%-35.99%.”
Checking your rate
Applying is a soft check.
“Even if you don’t qualify, applications won’t hurt your credit score since we only do a soft credit check.”
How fast
Funds within one business day of clearing verifications.
“After you accept your loan offer, you can expect to get your money within 1 business day of clearing verifications.”
What $25,000 would cost with Upgrade
$25,000 is a typical all-in IVF cycle on our cost model. The payments are arithmetic on Upgrade's published range, not an offer.
| At | Months | A month | Repaid in all |
|---|---|---|---|
| Its lowest APR, 7.74% | 60 | $504 | $30,228 |
| 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.
Upgrade 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
Upgrade for IVF: common questions
Can you use Upgrade for IVF?
Its personal loan page does not name IVF or fertility treatment.
What APR does Upgrade charge?
Upgrade publishes 7.74% to 35.99% APR. Origination fee 1.85% to 9.99%, taken from the loan. The rate you are offered depends on your credit, the amount and the term, and only Upgrade can quote it.
How much can you borrow from Upgrade, and for how long?
$1,000 to $50,000, over 24 to 84 months.
How much would a $25,000 IVF cycle cost a month with Upgrade?
Over 60 months at 7.74% APR, about $504 a month ($30,228 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 Upgrade affect your credit?
Soft credit check to apply.
- Upgrade: personal loans (read Oct 28, 2026)