Compare the Best Personal Loans for IVF

Millions of Americans struggle to conceive a child or carry a pregnancy to term. According to a report from the CDC’s National Center for Health Statistics, 13.4% of women and 11.4% of men ages 15 to 49 experience some type of fertility-related issue. In vitro fertilization (IVF) is a medical procedure that can help people achieve a successful pregnancy. But IVF can cost up to $25,000 per cycle, and many patients don’t have coverage for IVF under their health insurance plan. 

A fertility loan can help fund your treatment costs so that you can focus on the medical process of trying to get pregnant. There are several IVF financing options to consider, including personal loans. 

Compare current personal loan rates

Details on the best lenders for IVF loans

Ways to finance IVF treatments

“There’s been a major push to expand fertility coverage, and that is a win to celebrate. But access is still very inconsistent depending on where you live and what type of insurance you have,” says Abbe Feder, Founder and CEO at InCircle Fertility. Even if you have some coverage, you may have remaining out-of-pocket expenses. 

Here's how different fertility loan options compare in terms of interest costs, how much you can borrow, and potential drawbacks.

How to compare loans for IVF

When comparing loans for fertility treatment, pay attention to these key features:

APR

The APR (annual percentage rate) represents the annual cost of financing, expressed as a percentage of the loan amount, including interest and upfront fees. Compare APRs across loan types to find the least-expensive option, but pay attention to the repayment term as well. (A longer term can increase the APR.)

Repayment terms

Some fertility financing options, like fertility clinic payment plans, may offer only short repayment terms. On the other hand, a home equity loan may offer a repayment term up to 30 years. A longer repayment term means a lower monthly payment, but it also means you’ll pay more in interest over time. 

Loan amounts

IVF can be expensive, especially if you need multiple treatment cycles to get pregnant, so pay attention to borrowing limits. For example, if you have only $5,000 of home equity, a home equity loan may not be the best option. Personal loan lenders offer loans of up to $100,000 or more, but how much you can borrow depends on your credit score and other factors. 

Qualification requirements

Check loan qualification requirements before applying. If you have bad credit, you may want to consider no-credit-check fertility financing options like clinic payment plans. If your partner has good credit, choose a lender that allows you to apply with a cosigner or co-borrower (a joint personal loan). 

Collateral requirements

Some fertility financing options require collateral. For example, home equity loans and HELOCs are secured by your home, which means the lender can seize your home through foreclosure if you fall behind on your loan payments. If you have any doubts about your financial situation or job security, don’t risk putting your home on the line. 

Use of funds

Some loans, like personal loans, can be used for many expenses. Others, like clinic financing plans, may be more limited. “Many financing plans won't cover medication costs,” says Jennifer Hintzsche, Ph.D., CEO and Founder of PherDal Fertility Science, Inc. “Only the procedure is typically covered, and some medications can cost a few thousand dollars per round of IVF.” Read the loan agreement’s fine print and ask clarifying questions to determine how you can and cannot use the money.

0% or deferred interest offers

Some fertility-specific loans or financing options from your clinic’s lending partner may offer 0% APR or deferred interest financing promotions. These can be advantageous if you’re able to repay the loan quickly, but they can also be risky. “Many deferred-interest plans can become financially devastating if the balance isn’t paid off within a very specific promotional window,” says Feder. Failing to repay within this time period could mean paying a high interest rate on the full balance. 

“Fertility treatment is especially vulnerable to this because timelines change constantly. One retrieval can turn into two. A transfer can fail. Medication costs can unexpectedly increase,” explains Feder. “I always encourage people to look at financing through the lens of worst-case scenario planning.” 

Other IVF resources

IVF grants

Some nonprofit organizations, hospitals, and fertility clinics offer IVF scholarships and grants, but opportunities are typically limited relative to demand for financial support. Some programs have income restrictions or other requirements, and some require an application fee. Examples include Baby Quest Foundation and Nest Egg Foundation. 

“Resolve.org is the leading infertility 501 (c) (3) in the U.S. and has the best and most up-to-date options on everything having to do with infertility and family planning,” Dr. Hintzsche says, including IVF grants. 

Insurance

Some states mandate that health insurance companies provide infertility coverage, and some employers offer IVF coverage as an employee benefit. “I’ve seen people take temporary jobs at companies with strong fertility coverage because the savings can literally amount to tens of thousands of dollars,” says Feder. 

You may have insurance coverage for IVF from a few different sources, depending on where you live and work. 

• Employer coverage for IVF: Just over one quarter (27%) of companies with 200 or more employees offered coverage for IVF, according to a Kaiser Family Foundation survey. Some states, like New York, also mandate that most large employers cover IVF. The federal government has announced an option for employers to offer IVF coverage as a standalone benefit, which is intended to increase access to employer-sponsored coverage. 
• State Medicaid coverage for IVF: Medicaid coverage for IVF varies by state. While many states offer some coverage for infertility services, few cover IVF treatment. However, Utah’s Medicaid program may cover IVF for people with certain genetic conditions. 
• Individual health insurance: Individual health insurance plans purchased through a private insurer or the ACA marketplace may offer coverage for IVF in some states. But the type of coverage and treatment varies significantly. For example, Massachusetts and Washington, D.C., mandate broad coverage for IVF under all ACA-compliant individual health insurance plans. 

Even if your health insurance covers IVF, you may still need financing. “Very few plans cover every aspect of infertility treatment, which means people end up with additional costs that won't be covered,” says Dr. Hintzsche. “Even if IVF is completely covered, it might only apply after you meet your annual deductible, which could be thousands of dollars.” What’s more, deductibles reset each fiscal year, and it can take time to achieve a successful pregnancy. 

EMD Serono Savings 

If you’re paying out-of-pocket for your fertility medication, you may be able to use the Fertility Instant Savings Program to receive a discount on EMD Serono medications at select specialty pharmacies. 

Low- and middle-income patients, military members, and veterans may also qualify for the Compassionate Care Program, saving up to 50% off the self-pay price for EMD Serono medications. 

Shared-risk programs

Shared-risk programs offer packages of multiple IVF treatment cycles at a discounted price. If treatment doesn’t lead to successful conception, these plans offer a partial refund. But you may also end up overpaying if you get pregnant early in treatment before using all the fertility services included in the package price. 

Risk-sharing plans vary in terms of what diagnostics, treatments, and medications are included, how the pricing and refund is structured, and how success is defined. “It could be a live birth or the development of an embryo,” says Dr. Hintzsche. “Some clinics have you pay for 3 months up front, even if the first treatment is successful. Therefore, it's incredibly important to understand the terms of your payment options and how they relate to the outcome of treatment.”

Some programs, like BUNDL and Sunfish, require upfront payment or direct you to third-party financing partners. Others, like Gaia, can be structured as a monthly payment plan. 

How much does IVF cost in 2026?

One cycle of conventional IVF treatment can have basic costs between $8,000 and $19,000, according to CareCredit, not counting additional costs such as anesthesia, blood tests, and physical exams. Depending on your age and other factors, you may need to complete multiple cycles to achieve a successful pregnancy. 

The exact cost will depend on factors including your location and the clinic you choose, the type of treatment you need, including the fertilization technique and whether you opt for genetic testing, and the number of IVF cycles. The type of financing you use will also affect your total cost. 

“Fertility treatment in the United States is extraordinarily expensive, and many people feel isolated or ashamed talking about the financial side of this experience,” says Feder. “The reality is that cost is one of the biggest barriers to family building today.”

Personal loan rates by credit score in 2026

Lenders use your credit score to assess how likely you are to repay a personal loan, as well as your income, the amount of debt you owe, your employment, and other factors. If you have fair or poor credit, lenders may view you as a risky borrower and charge a higher interest rate. But if you have excellent credit, you're more likely to qualify for the lowest rates. 

The chart below shows how average personal loan rates vary by credit score on the Credible marketplace.

Most personal loan lenders have minimum credit score requirements. To see how your score matches up with prospective lenders, check your credit score for free with Credible's credit-monitoring tool.

Methodology

Credible evaluated 32 lenders across 1,216 data points to find the best personal loans for IVF. We chose the best lenders based on the following weighted categories:

• Rates and fees: 18.75%
• Eligibility and options for bad and no credit: 17.5%
• Availability: 12.5%
• Loan amounts and terms: 10%
• Customer satisfaction: 10%
• Customer service: 10%
• Efficiency and fund delivery: 10%
• Discounts: 7.5%
• Credible proprietary data: 3.75%

Credible’s team of experts gathered information from each lender’s website and from our partners directly. We also considered each of our partner lenders’ statistics over a 12-month period — including average funding times, average credit scores for approved applicants, and average rates. Each data point is verified by an editor to make sure it’s accurate at the time of publication. 

Learn more about how Credible rates lenders by exploring our personal loans lender rating methodology.