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 |
||
|
8.24% – 24.89% (with autopay) | 24 to 84 months |
$5k – $100k |
||
|
8.99% – 35.99% | 24 to 60 months |
$2k – $50k |
||
|
8.99% – 35.49% (with discounts) | 24 to 84 months |
$5k – $100k |
||
|
6.70% – 35.99% | 36 to 60 months |
$1k – $75k |
| Lender |
|
|
|
|
|
|---|---|---|---|---|---|
| User rating | |||||
| APR | |||||
| Term | 36 to 84 months | 24 to 84 months | 24 to 60 months | 24 to 84 months | 36 to 60 months |
| Amount | $2.5k – $40k | $5k – $100k | $2k – $50k | $5k – $100k | $1k – $75k |
NO-FEE IVF LOANS WITH EXCELLENT CUSTOMER SERVICE – DISCOVER
- 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: 720+
LARGE, NO-FEE IVF LOANS – LIGHTSTREAM
- No fees
- Offers enough for several rounds of IVF (up to $100,000.00)
- Need to submit application to see rates
- Must have good or excellent credit
LightStream offers loans of up to $100,000.00 — 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
BETTER ODDS OF APPROVAL WITH PEER-TO-PEER IVF LOANS – PROSPER
- Available to borrowers with fair credit
- Allows you to apply with a co-borrower
- Funding as soon as one business day
- Charges an upfront loan processing fee
- Review process can take up to five business days
- Borrowers with fair credit will likely get high rates
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.
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+
LARGE, SAME-DAY IVF LOANS – SOFI
- Can get a loan with another person
- Offers enough to pay for several rounds of IVF (up to $100,000.00)
- Offers short- and long-term loans
- May have to pay upfront fee to get lower rates
- Need good or excellent credit to qualify
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.
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+
IVF LOANS FOR BAD CREDIT – UPSTART
- 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: 36 months to 60 months
- Sometimes charges a one-time fee of 0.00% – 12.00%
- 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 0.00% – 12.00%.
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)
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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.
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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% |
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Get your money
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IVF loan pros and cons
Pros
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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
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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:
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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.
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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.
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, LightStream, 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.