Personal loans for fertility treatments
A fertility loan is an unsecured personal loan used to cover IVF cycles, egg freezing, IUI, donor egg or sperm, surrogacy legal fees, or adoption-related fertility treatments. A single IVF cycle averages $12,000-$15,000 out of pocket, and many patients need multiple cycles. Personal loans provide a predictable monthly payment across the full treatment timeline instead of depleting savings all at once.
Why apply here.
- 01Fund IVF cycles, egg freezing, IUI, donor embryo, or surrogacy costs
- 02Loan amounts from $3,000 to $50,000
- 03APRs typically 6.99% to 35.99% based on credit profile
- 04Use at any fertility clinic, not restricted to in-network providers
- 05Soft credit check to compare offers with no score impact
About this loan.
How much does IVF cost and how much should I borrow?+
A single IVF cycle in the U.S. averages $12,000-$15,000 for procedures alone, plus $3,000-$6,000 for medications, plus anesthesia, embryo storage, and genetic testing. Many couples budget $20,000-$25,000 per cycle for all-in costs, and a meaningful percentage need 2-3 cycles. Borrow for one cycle at a time if possible, to avoid over-borrowing.
Are fertility loans tax-deductible?+
Fertility treatment costs that exceed 7.5% of your adjusted gross income may be deductible as a medical expense on Schedule A. This includes IVF, IUI, and prescription fertility medications. Interest paid on a personal loan used for qualifying medical expenses is generally not separately deductible. Consult a tax professional for your specific situation.
Can both partners apply together for a larger loan?+
Yes, as a joint application or co-borrower arrangement. Combining both incomes on the application typically increases the approved loan amount and, if both have strong credit, can lower the APR.
Are there specialty fertility financing programs I should compare?+
Yes. Some fertility clinics partner with specialty lenders (Prosper Healthcare Lending, CapexMD, United Medical Credit) that may offer promotional rates or multi-cycle financing. Compare their total cost (APR plus origination fees) against a marketplace personal loan to see which is actually cheaper.