Financing Your Infertility Treatments With Loans

Fertility treatments are costly and many health insurance carriers pay for select infertility treatments if they pay anything at all.  Few people have the cash on hand when they learn of their need for treatment to pay out of pocket.  Financing may be offered through individual fertility clinics or there are independent organizations that will fund your treatment as a loan.  Some of these programs include:

American Healthcare Lending

American Healthcare Lending sources the best rate for your personal loan to cover fertility expenses.  Loan sizes vary between $2,000 and $100,000. Through their simple online process, you can receive funds within 2 days. Rates start at 5.99% with loan terms up to 84 months. There's $0 down and no prepayment penalties. Apply for financing at:


CapexMD provides patient financing options for fertility treatments.  A wide variety of loan options are available to fit your individual circumstances with their medical partners in 23 states.  Get personal attention, pre-approval within 24 hours, competitive rates and flexible termas. Apply for financing at: 


Earnest makes it easy for those who are considering fertility treatments to receive a personal loan offer with no collateral. The interest rates on these loans are as low as 5.25% APR, and you can also choose your monthly payment. 

Fertility Finance is a specialist in fertility financing with competitive rates, online application with pre-approval in 24 hours, flexible terms and the ability to retain your existing credit.  Fertility Finance is the exclusive patient financing partner of Shady Grove Fertility.  

Lending Club

The Lending Club can help finance fertility treatments with unsecured personal loans.  As a personal loan the funds can be used for any expenses, including infertility treatments.  Finance rates depend on credit score, loan amount, loan term, credit use and history.  The Lending Club is not related to a bank, it is funded by Lending Club members who anonymously borrow money from each other. 

Springstone Patient Financing

Springstone offers fixed rates based on credit history and length of the loan.  Amounts from $499 to $40,000 may be financed at a length variable.  Springstone is an installment loan, not a credit card so rates will not change with a missed payment.  Springstone offers an online application process with a quick decision.  Associated doctors may have different payment plans available. 

Other Options

If these financing options do not interest you, you may also consider refinancing your mortgage, taking out a second mortgage/home equity loan, an unsecured personal loan, revolving credit line (credit card), informal borrowing from friends/family or a crowdfunding campaign. 


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