How Can I Get IVF Financing?

In February 1, 2020

IVF Financing from United Credit Can Help Make IVF, And Your Family, Possible!

The first baby conceived and born through IVF intervention, Louise Brown, was born in 1978 in the United Kingdom. Since then, around 5 million children have been conceived through IVF, or in-vitro fertilization, offering renewed hope to would-be parents around the world who had given up on the idea of being able to conceive a child. 

The cost of IVF procedures has long been a hurdle for many prospective parents. Even prospective families with dual income, stable careers, ready cash, and good financial situations have struggled to find an affordable fertility treatment package. In many cases, people leverage their home equity or consider funding options to finance IVF treatments.

That’s where United Credit comes in. Our easy, fast online loan application process has helped hundreds of couples achieve their dream of parenthood by assisting them to finance IVF and associated procedures. UC offers financing plans tailored to the financial resources of each family, and we are pleased to have played a role in the most beautiful and magical moment a human can experience: the creation of a new life. To make IVF financing a little more understandable, we wanted to address a few common questions we receive from people considering IVF or other fertility and conception procedures.

How Does IVF Work?

IVF is not a single procedure, but rather a constellation of different procedures and treatment modalities intended to facilitate the conception process and improved embryonic viability. The type and aggressiveness of the intervention for which a patient qualifies depends on a number of factors. Some of these include the reason for the infertility diagnosis, whether the mother is over or under 35, how long the parents have been trying to conceive, what lifestyle and genetic influences are present and the overall health of the reproductive cells of both parents. A father with abnormal sperm cells, low motility or other male fertility issues would indicate different intervention modes than a mother who does not produce healthy eggs regularly.Couple Considering United Medical Credit For IVF Financing


In general, IVF begins with either drugs or hormones which cause a woman’s body to produce a high dose of ovulation-stimulating hormones starting after the end of her menstrual cycle. These hormones stimulate the follicles within her ovaries to mature and release more egg cells, increasing the likelihood of achieving pregnancy. Around the 10th day, these eggs will be collected by a specialist. The procedure requires light anesthesia and is performed through the woman’s vagina. Once the eggs are collected, they will be fertilized in the laboratory and allowed to mature for between three and five days. Finally, the fertilized eggs are implanted in the woman’s uterus using a thin tube that is passed through the vagina and cervix. At this point, the woman will start a new round of drugs to encourage the eggs to settle and attach to the uterine wall lasting about 10 weeks. Between the 9th and 12th day the specialist will check to make sure the eggs have attached properly. At this point, the gestational carrier should be officially pregnant.

 What’s the Success Rate for IVF Treatment?

Success rates vary for IVF procedures. Generally the older the woman is and the less time the couple has been trying to conceive, the lower the odds are of the procedure working. From age 30-34, the success rate an individual IVF procedure offers is roughly 25%, but this rate drops steeply for women every five years starting at age 35. The associated risks include an increased likelihood of multiple births at one time and a 10-30% chance of miscarriage, depending on the age and overall health of the mother.


With single IVF treatment costing $12,000 or more, many patients want to know what their total costs will be, if their business or personal health insurance plan will cover any of the cost, and whether they can get fertility loans with affordable monthly payments through reputable channels. Doctor working on IVF

The cost you can expect to pay for IVF varies because each individual procedure is considered separately. Fertility care costs also depend on where in the country and by whom the treatment is conducted, whether and what kind of other interventions beyond the “simple” procedure outlined above is required and other factors. A “simple” single-procedure IVF may cost less than $10,000, up to nearly $20,000. Procedures such as intracytoplasmic sperm injection, where sperm is introduced into an egg via injection or embryo transfer into the intended gestational carrier, can increase the cost vastly based on the factors given above. Likewise, egg freezing for future implantation will probably also increase costs. Because every couple and situation has its own unique challenges and concerns, it is difficult to project early on what the final cost will be.

The price of IVF also doesn’t take into account what fertility clinics charge for other services, such as fertility coaches. Some fertility programs may offer a line of credit, loans for IVF, and other patient resources. Before you accept a personal loan from anyone, be sure to check your rate and make sure the fertility financing program you’re working with offers loan amounts that meet your needs, a loan process you can readily understand and that your fertility medical procedures are specifically included in the plan options.

Will my health insurance plan will pay for IVF?

Only 15 states currently require health insurance companies to cover some of the cost of fertility treatments such as IVF procedures, but even these insurance plans do not cover all procedures or costs associated with IVF treatments. The insurance industry works on the concept of “shared risk,” in which the coverage costs are spread among the entire pool of people the carrier covers. Many an insurance carrier’s board of directors believes, at least in policy, that it is “unfair” to ask the coverage pool to assume the cost of fertility medical intervention–even though in many cases they would at least partially cover checkups, prenatal care and pre- and postpartum care for both mother and child when the baby was conceived naturally. This leaves patients at the mercy of exorbitant loan rates or forced to attempt to finance IVF treatments out of their own resources.

What other options are there for financing IVF?

To pay for IVF treatment, many patients may take funds from a combination of sources. Credit unions that offer financial programs including medical loans are a popular potential source. Others with heavy debt or loan to pay on their credit history may turn to personal savings, health savings account funds, financing companies or payment programs offered through their doctors’ offices or medical credit cards. Fertility patients have to take into account their unique budget, interest on other credit lines including existing credit card debt or student loans, credit score, cash on hand and other financial information, then estimate the cost of fertility drugs and other expenses. Paying for IVF can be even more expensive should the patient require an egg donor, egg freezing, genetic testing, and other potential related IVF costs. However, United Credit offers Fertility Financing for all kinds of credit profiles on approval to help make the cost of IVF and its related procedures more affordable and accessible to everyone dreaming of starting or continuing their family.

The challenge to pay for fertility treatment, even with excellent credit, can be a tough one. Even with access to these resources and stable careers, some couples may find the expense of in vitro fertilization beyond their financial means. This is where we can help. We provide loans of up to $25,000 to help finance the following procedures and much more! United Medical Credit has years of experience and is willing to share our knowledge with prospective parents. It is our mission to provide the best chance of success to those that seek fertility financing. Our loans can help finance the following procedures and much more!


  • Egg and Sperm Freezing
  • Infertility Treatment
  • Zygote Intrafallopian Transfer
  • In-Vitro Fertilization (IVF)
  • Intrauterine insemination (IUI)
  • Artificial insemination (AI)
  • Fertility Drugs
  • Surrogacy



Financing programs and loans are available to all borrowers with underwriting approval,  including those with a less than perfect credit score or who may have had difficulty managing their finances in the past. Some patients without health savings accounts or other means to pay for fertility treatments look into medical credit cards or similar products. These cards and loans can help defray the immediate personal expense of being able to receive IVF. However, it is difficult to qualify for a credit card with a low-interest rate without a high credit score, which may make medical loans and other patient financing options more attractive. 

Aren’t IVF loans for people with not-so-great credit?

Even those with excellent credit may struggle to pay for fertility treatments, with high average costs for fertility drugs, egg donors, genetic testing and other necessary steps for family building. Borrowing money from an online lender with low monthly payments, lower interest rates than comparable loans through many credit card providers and no prepayment penalties can be the best option for many patients, increasing the affordability of the procedures and spreading the payments out over time. United Credit has years of experience helping patients through the loan process and establishing a payment plan that works for their budget, even when other loan providers turned them away based on their personal credit or offered terms that didn’t meet the patients’ needs.


There is no one single answer. IVF grants and scholarships can be difficult to secure and vary in the amount, as well as the criteria required to obtain them. Some cover a single treatment, others may pay for more. Some IVF grants are available for those with low income or those from a special group, such as cancer survivors. 

An IVF grant may cover some treatment options and methods, but not others. For example, it may pay for a single IVF treatment but not an egg donor or other associated fertility care needs such as specialist visits, medications, cryogenic storage or other possible prerequisites. A combination of grants and fertility loans may be the best option for some patients. 


The difference between an IVF grant and an IVF loan is that an IVF grant does not have to be paid back. However, generally, there are only a few options patients have for IVF grants, whereas many patients can receive IVF loans through United Credit. IVF grants tend to be very restrictive concerning who may access them, when, where and how the funds may be used, the actual amount of the grant and other factors. This, in turn, forces many people who receive grants to still need to consider alternative funding sources over and above the grant—even assuming a single round of IVF proves to be successful, which is only about a 1-4 chance. Although some fertility providers offer a successful program that builds in refund programs for patients who fail to conceive, it is important to read the terms of the treatment financing program carefully and make sure you fully understand and can comply with those terms. 

Even after an IVF grant, many patients may still need IVF financing. 

Even for patients who do qualify for certain grants which help defray IVF costs, an IVF loan can help patients stay out of credit card debt by using IVF financing and a payment program with affordable rates and reasonable terms such as low-interest rates APR. The online application process is simple and fast – you just need some basic financial information to get started, and our stringent privacy policy helps ensure your private business stays private. Loan amounts are flexible, depending on the individual needs of the patient. An IVF loan helps patients pay the full amount for fertility treatment to the fertility clinics up front, so they can get started with their treatment options right away.


Yes. For patients suffering from an infertility diagnosis, IVF loans from online lenders such as the patient financing companies UC works with can help them start family building today while paying on a flexible schedule with a competitive interest rate that works with their situation. IVF loans for the procedure, donor eggs, and other treatment options begins with filling out United Medical Credit’s online application. IVF treatment financing helps patients, including those with bad credit, achieve their family goals without draining their savings account. 


UMC may be your gateway to the IVF loan you need to start your family off on the right foot!

Our past clients have given United Credit great reviews for our service, competitive loan structures and pricing, quick turnaround on letting them know their loans were approved and empathy with the difficulties of getting medical financing and loans. Some of the reasons we’ve been so successful at making and keeping a diverse group of clients satisfied are our medical loan products and services, which include:

  • No prepayment penalties
  • Interest-free financing options on approved credit with provider participation
  • Multiple loan term payment plans to choose from
  • Affordable monthly payments
  • Competitive interest rates

If you’re considering starting or expanding your family, your bank account shouldn’t be an obstacle to becoming a loving parent. IVF is only one of many modalities that may be available to start you on your path to the family you’ve always wanted, and UMC can help place your family planning and expansion within your financial grasp. At United Medical Credit, we’re committed to helping you grow your family, with terms you can afford!

 An IVF loan means the family you’re dreaming of may be closer than you think. Apply for IVF financing through United Medical Credit today! United Medical Credit offers IVF Financing


Frequently Asked Questions About IVF Financing

Question: What is IVF financing?

Answer: Also known as fertility financing,  IVF financing is an umbrella term for taking out loans to help cover the cost of IVF treatments and associated procedures.  

Question: Can you use a personal loan for fertility treatment or IVF financing?

Answer: Yes, you can! The loans United Credit’s network of online lenders offers are considered personal loans. Whether you need IVF, associated care and procedures or medications, these loans are designed to help make the high cost of IVF treatments more manageable by spreading the payments out over time at competitive interest rates. 

Question: What are interest rates on an IVF loan?

Answer: Generally speaking, the better your credit, the lower your interest rate is likely to be. However, because everyone’s financial picture is a little bit different, there is no easy answer to this. United Medical Credit’s lender network offers loans at APRs which are competitive in the industry and tailored to your financial situation. 

Question: Can your retirement account fund your IVF treatment?

Answer: The short answer is, “Yes…BUT.” When you withdraw money from your retirement account early, both the retirement account administrator and the government assess penalties against these funds. The penalties you may be assessed depend on how much money you’re taking out, how long you have until retirement and the policies and provisions of your specific retirement account provider, among other factors. This is not a recommended strategy for financing IVF because it leverages money you may need when you retire or to help your family later in life.

Question: Can I pay off an IVF loan early?

Answer: UC works with some of the best-known and most reputable names in the medical lending field, so there’s never a penalty for paying off a loan early. In fact, many people do pay their loans off ahead of schedule, which can help bolster their credit down the line. 

Question: What are the benefits of IVF loans?

Answer: IVF financing helps take some of the stress and guesswork out of conceiving by making the treatments required to help aid fertility more financially accessible. By spreading the payments out over time instead of having to come up with the cost of an IVF procedure upfront, it helps ease the financial burden of assisted conception. There’s no hassling with insurance companies about what is and isn’t covered. Your healthcare providers are paid promptly, meaning you never have to worry about a past-due notice for treatments. Even better, if the loan is paid off early, not only are you not penalized, but your credit might actually improve!

Question: What kind of financing for IVF can I get with a cash-based income?

Answer: Because everyone’s financial history and credit picture are a little different, there’s no “catch-all” answer for this one. UMC’s lender network works with people from all walks of life and all sorts of financial situations and may offer loans to people other lenders have turned away on approved credit. The best way to find out what your IVF financing options are would be to submit a loan application through UMC’s convenient web portal. You may be pleasantly surprised at what our lenders can do for you!

Question: What advice do you have for women hesitant to pursue IVF because of the high costs?

Answer: The sticker shock associated with IVF costs can make obtaining fertility treatments and family-building feel as impossible as flapping your arms and flying to the moon. That’s where United Medical Credit comes in. We offer IVF loans which make family-building more affordable, allowing you to focus on caring for yourself and your unborn child and giving you a little extra peace of mind. By allowing UC to process your loan application, you’re taking the first step toward the family you’ve always dreamed of. 

Question: What is an installment loan?

Answer: An installment loan is one which you pay off gradually, over time. Student loans, mortgages and car payments are all examples of installment loans. UC’s lenders offer installment loans to help defray the cost of family-building and other medical expenses, taking the immediate financial strain off you and allowing you to start your family without having to come up with thousands of dollars upfront. 

Question: How can I get IVF financing?

Answer: Your first step to getting IVF financing is as simple as applying through United Medical Credit. Just answer some basic questions about your finances and let UC do the work. Our lender network will evaluate your application and, if approved, offer you a loan tailored to your needs and financial situation. Even people with shaky credit who couldn’t get loans from credit unions, banks or other lenders have successfully applied with United Medical Credit’s lenders in the past, so you really have nothing to lose by applying–except high medical bills! 

Start your IVF loan application today and see how fast and easy it can be to get the money you need to grow your family!

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