Best IVF Loans in 2025: Pay for IVF in Monthly Installments

Borrow up to $100,000 to pay for fertility treatments

Headshot of Lauren Nicholson
Written by
Lauren Clifford
Updated on: September 12, 2025

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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Discover: Best for no-fee IVF loans with excellent customer service

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7.99% - 24.99%

36 to 84 months

$2,500 - $40,000

720

Pros
  • Competitive interest rates
  • No fees
  • Long repayment periods
Cons
  • Borrowers with bad credit won’t qualify
  • Can’t take out a loan with another person

What to know

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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.

How to qualify

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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: 720+
See Personalized Results Read Our Expert Review

LightStream: Best for large, no-fee IVF loans

(364)
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(364)
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8.24% - 24.89% (with autopay)

24 to 84 months

Loan Term Disclosure

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11. © 2024 Truist Financial Corporation. Truist, LightStream and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

$5,000 - $100,000

Not specified

Pros
  • No fees
  • Offers enough for several rounds of IVF (up to $100,000)
Cons
  • Need to submit application to see rates
  • Must have good or excellent credit

What to know

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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.

How to qualify

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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
See Personalized Results Read Our Expert Review

Prosper: Best for better odds of approval with peer-to-peer IVF loans

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(3,662)
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8.99% - 35.99%

24 to 60 months

$2,000 - $50,000

560

Pros
  • Available to borrowers with fair credit
  • Allows you to apply with a co-borrower
  • Funding as soon as one business day
Cons
  • Charges an upfront loan processing fee
  • Review process can take up to five business days
  • Borrowers with fair credit will likely get high rates

What to know

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Peer-to-peer lenders like Prosper make it easier to get an IVF loan with fair credit. You can qualify for a loan from Prosper with a score as low as 560. Plus, Prosper allows co-applicants, so you and your partner or a loved one can apply for an IVF loan together. If your co-borrower has good or excellent credit, this will boost your odds of approval. You may even qualify for better rates.

All loans from Prosper’s lender network come with an upfront loan processing fee called an origination fee, and it can take up to five days for Prosper to approve your loan.

How to qualify

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To get a loan with Prosper, you must meet the following requirements:

  • Age: Be 18 or older
  • Administrative: Have a U.S. bank account and Social Security number
  • Residency: Not live in Iowa or West Virginia
  • Credit score: 560+
See Personalized Results Read Our Expert Review

SoFi: Best for large, same-day IVF loans

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(98)
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8.99% - 35.49% (with discounts)

SoFi Pricing Disclosure

Fixed rates from 8.99% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 04/24/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.

Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

Direct Deposit Discount: To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

24 to 84 months

$5,000 - $100,000

680

Pros
  • Can get a loan with another person
  • Offers enough to pay for several rounds of IVF (up to $100,000)
  • Offers short- and long-term loans
Cons
  • May have to pay upfront fee to get lower rates
  • Need good or excellent credit to qualify

What to know

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If you and a loved one want to get an IVF loan together, you can apply as co-borrowers on a joint loan with SoFi. If one of you has excellent credit, this will boost your odds of qualifying, and you could get better rates. SoFi also offers large loans, same-day funding and no required fees.

However, you may have to accept an upfront loan processing fee called an origination fee to get SoFi’s lowest rates. And you probably won’t qualify for a loan with SoFi if you have fair or bad credit.

How to qualify

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You must meet the requirements below to get a loan from SoFi:

  • Age: Be the age of majority in your state (typically 18)
  • Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
  • Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
  • Credit score: 680+
See Personalized Results Read Our Expert Review

Upstart: Best for IVF loans for bad credit

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6.70% - 35.99%

36 or 60 months

$1,000 - $75,000

300

Pros
  • 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
Cons
  • Only offers two loan terms: 36 or 60 months
  • Sometimes charges a one-time fee of 0.00% - 12.00%
  • No recent bankruptcies or delinquencies

What to know

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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 0.00% - 12.00%.

How to qualify

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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: 300+ (unless you’re an eligible college student or graduate, in which case Upstart could approve you with no credit)
See Personalized Results Read Our Expert Review

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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.

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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 tierAverage 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%

Source: LendingTree user data on closed personal loans for the second quarter of 2025. Limited to loan amounts of at least $5,000 and repayment terms of at least 24 months.

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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.

How we chose the best IVF loans

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.

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, LightStream, Prosper, SoFi and Upstart.

Why trust our methodology?

Jessica Sain-Baird Senior managing editor and Certified Financial Education Instructor℠

Jessica Sain-Baird

Senior managing editor and Certified Financial Education Instructor℠

“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.

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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.