Can I get a personal loan for IVF or fertility treatments?

Fertility treatment costs: IVF single cycle: $12,000-$20,000 (plus $3,000-$6,000 medications). Frozen embryo transfer (FET): $3,000-$5,000. Egg freezing: $6,000-$12,000. Donor egg IVF: $20,000-$40,000. Intrauterine insemination (IUI): $500-$2,000. Average number of IVF cycles for success: 2-3. Total expected cost for IVF: $25,000-$60,000+.

Specialized fertility financing: CapexMD: personal loans specifically for fertility treatment. Rates 6.99%-17.99% APR, terms up to 7 years. Approved at most fertility clinics. Future Family: multi-cycle financing with refund programs tied to treatment success. Prosper Healthcare Lending: healthcare-specific financing accepted at fertility clinics. These programs have competitive rates and understand the multi-cycle nature of fertility treatment.

General personal loan comparison: LightStream (medical category): rates 7.99%-24.99% APR, no origination fee, amounts up to $100,000. If your credit is strong (720+), LightStream may match or beat specialty fertility lenders. Unsecured personal loans from SoFi, Discover, Marcus: similarly competitive for strong credit profiles.

Insurance and employer benefits: Check your health plan: some states (IL, NJ, MA, CT, MD, RI) mandate insurance coverage for fertility treatments. Some employers (large tech companies, Fortune 500) offer fertility benefits of $10,000-$30,000. Exhaust insurance and employer benefits before borrowing.