Best IVF Loans in 2025: Pay for IVF in Monthly Installments
Borrow up to $100,000 to pay for fertility treatments
Best IVF loans in 2025
| Lender | User rating | APR | Term | Amount | |
|---|---|---|---|---|---|
|
7.99% – 24.99% | 36 to 84 months |
$2.5k – $40k |
||
|
8.49% – 25.14% | 24 to 84 months |
$5k – $100k |
||
|
7.23% – 24.00% (Test) | 12 to 84 months | Up to $125M |
| Lender |
|
|
|
|---|---|---|---|
| User rating | |||
| APR | |||
| Term | 36 to 84 months | 24 to 84 months | 12 to 84 months |
| Amount | $2.5k – $40k | $5k – $100k | Up to $125M |
Best for: No-fee IVF loans with excellent customer service – Discover
The APR ranges from 7.99% to 24.99% APR based on creditworthiness at time of application. Loans up to $35,000. Fast & Easy Process. Terms are 36 to 84 months. No prepayment penalty. This is not a firm offer of credit. Any results displayed are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. For example, for a $15,000 loan with an APR of 10.99% and 60 month term, the estimated monthly payment would be $326. The estimated total cost of the loan in this example would be $19,560.
Test
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Tellus pellentesque eu tincidunt tortor aliquam nulla facilisi cras fermentum. Leo vel orci porta non pulvinar neque laoreet. Ac turpis egestas aecenas pharetra convallis posuere. Morbi enim nunc faucibus a pellentesque sit amet porttitor. Euismod nisi porta lorem mollis aliquam ut porttitor leo a. Non pulvinar neque laoreet suspendisse. Leo urna molestie at elementum eu facilisis sed. Cras tincidunt lobortis feugiat vivamus at augue eget. Sit amet consectetur adipiscing elit ut aliquam. Diam donec adipiscing tristique risus nec feugiat in.
test
- Competitive interest rates
- No fees
- Long repayment periods
- Borrowers with bad credit won’t qualify
- Can’t take out a loan with another person
If you only need to pay for one or two rounds of in vitro fertilization (IVF), consider getting a loan from Discover . Discover ’s competitive interest rates make IVF loans more affordable. You’ll get your money as soon as the next business day, and you won’t have to pay any upfront fees.
That said, you need good credit to qualify for an IVF loan with Discover . And Discover doesn’t offer joint loans, so you can’t add your partner as a co-borrower or cosigner to split the costs or boost your odds of approval.
You’ll need to meet these eligibility criteria to get a Discover loan:
- Age: Be at least 18
- Citizenship: Have a Social Security number
- Administrative: Have a physical address, email address and internet access
- Income: Minimum income of $40,000 (individually or as a household)
- Credit score: +
Best for: Large, no-fee IVF loans – LightStream
- No fees
- Offers enough for several rounds of IVF (up to $100,000)
- Need to submit application to see rates
- Must have good or excellent credit
LightStream offers loans of up to $100,000 — the most of any lender on this list, and enough to pay for several rounds of IVF. Low rates and no fees make LightStream loans some of the most affordable on the market, as long as your credit is strong enough to qualify.
Unfortunately, borrowers with fair or bad credit likely won’t qualify for an IVF loan with LightStream . And you can’t check whether you’re eligible for a LightStream loan without shaving a few points off your credit score with a hard credit pull.
LightStream doesn’t specify its exact credit score requirements, but you must have good to excellent credit to qualify. Most of the applicants that LightStream approves have the following in common:
- At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
- Stable income and can handle paying their current debt obligations
- Savings, whether in a bank account, investment account or retirement account
Best for: IVF loans for bad credit – Upstart
The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
QA Test
- One of the lowest credit score minimums on the market
- Considers factors other than your credit score for approval
- Get money in as soon as one business day
- Only offers two loan terms: 12 to 84
- Sometimes charges a one-time fee of
- No recent bankruptcies or delinquencies
If you need to borrow money for IVF but are worried about whether you’ll qualify, try Upstart . This lending platform uses a unique AI model that uses factors other than your credit — like your employment and education — to evaluate you. This — combined with Upstart ’s low credit score requirement — could make it easier to qualify.
Upstart may have a low credit threshold, but it doesn’t allow delinquencies or bankruptcies. If you have bad credit, you’ll also likely need to budget for a one-time origination fee of .
Upstart has transparent eligibility requirements, including:
- Age: Be 18 or older
- Administrative: Have a U.S. address, personal banking account, email address and Social Security number
- Income: Have a valid source of income, including a job, job offer or another regular income source
- Credit-related factors: No bankruptcies within the last three years, reasonable number of recent inquiries on your credit report and no current delinquencies
- Credit score: + (unless you’re an eligible college student or graduate, in which case Upstart could approve you with no credit)
Why do millions of Americans trust LendingTree?
25+ years in business. 110+ million Americans served. $260+ billion in funded loans.
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in five minutes or less.
Savings
We’ll match you with up to five lenders from our network of 300+ lenders who will call to compete for your business.
Support
We provide ongoing support with free credit monitoring, budgeting insights and personalized recommendations to help you save.
What to know about IVF loans
It’s hard to come up with the money to pay for IVF upfront, especially when a single cycle runs $15,000 to $30,000 on average. If you can’t afford IVF outright, you can use a personal loan to pay for your fertility treatments.
-
How it works
You’ll borrow a set amount of money to pay for IVF treatment, then pay it back over time plus interest in equal monthly payments. -
Cost
In exchange for borrowing money, you’ll pay interest (and sometimes fees). This is your loan’s APR. -
Qualifying
Personal loan eligibility requirements vary by lender. You can apply directly with individual lenders on their websites or you can see if you qualify and get offers from up to five lenders at once using the LendingTree marketplace. -
Getting your money
Your lender will send you money, typically via direct deposit. You’ll repay it over a set period of time, typically between two to five years.
How much do IVF loans cost?
Estimate your monthly IVF loan payments using the LendingTree personal loan payment calculator. Not sure what rates you’ll get? Check the table below the calculator to see average rates for your credit score.
| Credit tier | Average APR |
|---|---|
| Excellent (800 and above) | 11.66% |
| Very good (740-799) | 14.35% |
| Good (670-739) | 22.83% |
| Fair (580-669) | 30.22% |
| Poor (under 580) | 32.09% |
When banks compete, you win
You’d shop around for flights. Why not your loan? LendingTree makes it easy. Fill out one form and get lenders from the country’s largest network to compete for your business.
Tell us what you need
Take two minutes to tell us who you are and how much money you need. It’s free, simple and secure.
Shop your offers
LendingTree users who get at least one offer receive 20 personal loan offers on average. Compare your offers side by side to get the best deal.
Get your money
Pick a lender and sign your loan paperwork. You could see money in your account in as soon as 24 hours.
IVF loan pros and cons
Pros
-
Fixed monthly payments
You’ll never have to worry about your payment increasing due to rising rates. -
Known end date
You’ll have a set repayment term, and you’ll know exactly when your loan will be paid off. -
Help build credit
Making on-time monthly payments to a lender that reports to all three credit bureaus will boost your credit.
Cons
-
Fees
Some lenders charge an origination fee as high as 12% of the amount you borrow. -
(Potentially) high rates
If you have bad credit, you could pay rates up to 36%. High rates make loans an expensive way to borrow money for treatment. -
Damage to credit score
Missed or late payments will likely bring down your credit score.
Other ways to pay for IVF
A personal loan isn’t the only way to pay for fertility treatments. Consider these options if an IVF loan isn’t the right choice for you:
-
Fertility clinic loan
Fertility clinics sometimes offer in-house IVF financing. When you visit your fertility clinic, ask about breaking up the cost of your treatment into installments. -
IVF grant programs
Some nonprofits offer grants for fertility treatments. Think of grants as free money – you don’t need to pay them back. Check the eligibility criteria, since many nonprofits consider factors like insurance coverage, income and location when deciding who gets the grant. -
Credit card
You can save money on interest with a 0% intro APR credit card by paying off your treatments interest-free during the introductory period, which usually lasts between six and 21 months. If you don’t qualify for a 0% intro APR card, consider taking out a medical credit card to cover fertility treatments. -
Home equity loan or HELOC
Home equity loans and home equity lines of credit (HELOCs) allow you to borrow money by tapping into the equity you’ve built in your home. These loans often come with low rates, but they come with the risk of losing your home if you can’t keep up with payments.
What sets LendingTree content apart
Expert
Our personal loan writers and editors have 32 years of combined editorial experience and 28 years of combined personal finance experience.
Verified
100% of our content is reviewed by certified personal finance professionals and meets compliance and legal standards.
Trustworthy
We put your interests first. We’ll tell you about any loan drawbacks and be clear about when to consider alternatives.
Frequently asked questions
Understanding exactly what fertility services your insurance covers can be confusing, especially since coverage differs by insurance company and plan. Check your coverage directly with your insurance provider, and see if your state legally requires coverage for fertility treatments.
You should only get an IVF loan if you can afford it. But if you’re already affected by bad credit or you can’t afford the monthly payments, be cautious. Taking out an IVF loan could land you in a cycle of debt.
Many people pay for IVF by applying for a personal loan or applying for a credit card. If you don’t qualify for low rates or don’t want to take on debt, you can also research fertility treatment grants.
Our methodology
We reviewed more than 30 lenders that offer IVF loans to determine the overall best five lenders by these metrics. According to our systematic rating and review process, the best IVF loans come from Discover, , Prosper, SoFi and Upstart.
Accessibility. We look for lenders with fewer barriers to approval and award points for lower credit requirements, nationwide access, fast funding and simple applications.
Rates and terms. We prioritize lenders that offer low starting rates, minimal fees, flexible terms and APR discount opportunities.
Repayment experience. We choose lenders with strong reputations, convenient self-service tools, responsive support and borrower-friendly perks.
Why trust our methodology?
Our writers and editors dig through the facts, contact lenders directly and even go through the application process ourselves if it helps better explain what you can expect. As a Certified Financial Education Instructor℠, I’m committed to breaking down complex financial details so people can make confident, informed decisions with their money.
Jessica’s experience in editing and financial education helps shape LendingTree articles that are clear, accurate and truly useful to readers. Her certification means our recommendations are built on a foundation of consumer-first financial knowledge — not just numbers.