Infertility and In Vitro Fertilization (IVF) financing programs make treatment more affordable. Patients can begin an assisted reproductive procedure right away while making convenient monthly installment payments.

Patients with bad credit history can obtain funding by following a specific strategy.

All future parents regardless of borrowing credentials benefit by also taking steps today to avoid problems down the road. Do not neglect to secure mom’s income before your next cycle.

Bad Credit Medical Loans for IVF and Infertility

Patients with bad credit history can qualify for financing to help pay for IVF and infertility treatments. People who qualify know where to turn and what to expect. We outline the two best alternatives in this section.

  1. Request a personal loan to finance treatment from a network of specialty subprime lenders
  2. Enroll in a Flexible Spending Account at work to fund up to $5,300 annually

Subprime Lenders

Subprime personal loan lenders specialize in working with applicants with bad credit history. Patients with poor borrowing credentials can get the money needed to fund their IVF or infertility treatments by following several best practices.

  1. Connect with a wide network of subprime lenders. Every finance company looks at different factors when evaluating an applicant. Connecting with a large number of specialty lenders increases your chance of an approval.
  2. Provide your bank account and routing number in an online form. Input these sensitive data into a secure online form. This information helps the lender approve your request despite poor borrowing credentials.
    1. Verify that you are a real person with the ability to make payments
    2. Permit the lender to draft payments automatically each month
  3. Demonstrate sufficient income provide employment information. A reliable future income stream can compensate for a negative payment history.

Flexible Spending

A Flexible Spending Account (FSA) is ideal for infertility and IVF financing. It actually lowers costs, and features high acceptance, with no credit check to patients with bad credit history.

Time the procedure for the beginning of the plan year. Your employer must reimburse qualifying expenses immediately. You then have up to 12 months to repay the loan with pretax payroll contributions – which saves money on taxes by reducing your income subject to taxation!

  • Federal income taxes
  • State income taxes
  • FICA taxes

High Acceptance

A Healthcare FSA provides high-acceptance infertility financing for patients with very poor credit. If your employer offers the benefit, it must accept all employees who choose to enroll in the program.

Employers cannot turn people down or decline any benefit-eligible employees wishing to participate. An independent third-party administrator adjudicates any claims on the account. Unreimbursed medical expenses for infertility treatments performed in a licensed clinic qualify for immediate funding.

No Credit Check

A Healthcare FSA also offers infertility financing with no credit check. Patients with bad credit do not have to worry about their employer pulling a copy of their consumer report. They must accept all employees willing to participate without external screening.

Employers cannot pull your credit report even though they risk losing some or all of the money they might lend. The employer has no recourse to recover lost funds if the participant terminates employment during the plan year. They can only take money in via payroll deduction.

Repayment Assistance Programs by State

Most private lenders offer In Vitro Fertilization and infertility treatment financing across the country with the exception of a handful of states for each. Therefore, most patients will see little state-based variation in the borrowing stages of the process.

Borrowed funding often leads to financial hardship when mom loses her income, her job, and her insurance after a high-risk multiple-order pregnancy. It is often impossible to stay current on payments in this scenario. Therefore, we recommend that you follow a two-step process to avoid calamity.

  1. Purchase supplemental insurance before mom conceives. Reduce the income loss and unreimbursed medical expenses associated with mom’s pregnancy.
  2. Review the four types programs offering loan repayment assistance in the state where you work. Be prepared to deal with common pitfalls affecting most new parents in the United States.
    1. Health insurance mandates in certain states require coverage for assisted reproductive treatments. The amount couples must borrow relates to third-party payments. Lower amounts equal lower monthly payments.
    2. Short-term disability in five states replaces mom’s income while she cannot work because of high-risk pregnancy complications and recovery from childbirth. Lost income often causes late payments.
    3. State parental leave laws extend FMLA job and health insurance protections. Some states extend rights to more people and offer more time off. A loss of employment and/or insurance also causes late payments on loans.

However, state-based loan repayment assistance programs vary widely!


California couples enjoy several advantages when making assisted reproductive financing payments.

  • California law requires health insurance plans to offer coverage for “medical procedures consistent with established practices in the treatment of infertility by licensed physicians and surgeons.” The regulation has many loopholes. However, nothing beats having a third party cover these expenses.
  • The California Pregnancy Disability Leave Act protects mom’s job and health insurance for up to 4 months if she must stop working before her due date.
  • California Family Rights Act provides both parents with 12 weeks of job protections and health insurance continuation during maternity and paternity leave.
  • California State Disability Insurance (SDI) replaces a portion of mom’s income during a pregnancy disability leave, and while she recovers from childbirth.
  • The California Paid Family Leave program replaces a portion of income while both mom and dad take time off work to bond with their baby.


Couples in Florida face the highest degree of infertility financing risks.

  • Florida does not have a mandate requiring health insurance to cover any treatments.
  • The State of Florida does not offer short-term disability to private or public workers.
  • Florida does not have any state-based parental leave laws other than the Federal FMLA.


Prospective parents in Michigan face significant exposure when taking out and repaying infertility loans.

  • Michigan law does not mandate health insurance plans to cover ART procedures.
  • The State of Michigan does not provide temporary disability benefits for private workers. State government employees do have a plan that starts after 14 days.
  • Public school teachers and state employees enjoy extended parental leave rights beyond FMLA.

New Jersey

Couples working in New Jersey enjoy the widest array of infertility and IVF borrowing and repayment advantages. Find a job in the Garden State to lower total costs of becoming pregnant through treatment at a clinic.

  • New Jersey law requires health insurance coverage for both IVF and many other infertility treatments for employer-based group plans issued in the state.
  • The New Jersey Temporary Disability Insurance program replaces a portion of mom’s income during the time she is unable to work because of a pregnancy-related medical condition.
  • New Jersey Paid Family Leave Benefits replace up to 66% of income for both mother and father when they stop working to bond with their baby or care for a sick infant.
  • The New Jersey Family Leave Act adds an additional 6 weeks of job and health insurance protections for women taking time away from work before childbirth.

New York

Potential parents in New York have better loan repayment security than in the past.

  • New York offers an IVF grant program with limited funding. The health insurance mandate excludes IVF coverage but includes a small number or specific infertility treatments.
  • The NYS disability program pays only $170 per week. This tiny amount applies during the time mom is unable to work before giving birth.
  • New York Paid Family Leave benefits begin in January of 2018 and offer a higher level of income support after childbirth. The entitlement lasts 8 weeks. The amounts and length increase in 2019.
  • FMLA is the only law providing job and health insurance protections to people working in New York State.


Texas couples have an outside chance of reducing the IVF loan principal amount. However, the state assistance programs for installment payments are lacking.

  • Texas law requires that health insurance companies offer at least one group plan covering IVF.
  • The state of Texas does not provide a temporary disability program.
  • Texas does not have any parental leave laws extending or expanding the federal FMLA.

Interest Rates for Financing IVF and Infertility

The interest rates a patient might pay to finance infertility treatments such as In Vitro Fertilization can vary widely. A couple’s borrowing qualifications (such as credit score) carry the most weight. The projected monthly installment payment relative to income is a secondary factor.

Based on Credit Score

The patients’ credit score is the primary driver of interest rates for IVF and infertility financing programs. Credit scores predict the borrower’s risk of future default. This chart displays an average interest rate range for people with excellent, good, and bad credit scores for loans with a three-year repayment term.

760 +5.3%7.4%
700 – 7597.5%10.3%
699 or less18.5%26.5%

Debt to Income Ratio

A couple’s Debt-to-Income (DTI) ratio also determines the interest rate for infertility or IVF financing. Lenders calculate the DTI by dividing the projected monthly installment payment by the household gross income.

  • Low DTI is good. It indicates that the couple has sufficient income to handle the projected monthly installments.
  • High DTI is bad. It suggests that the couple will struggle to make the monthly installments with little room for error or interruptions.

Purchasing short-term disability is critical loan insurance for patients undergoing any assisted reproductive procedure. DTI skyrockets when mom must stop working due to childbirth. Protect her income by starting prior to conception – which is now!

Patients can lower their DTI by extending the repayment term. Longer terms result in lower monthly installments. However, they also increase the interest rate, and the total charges paid over time.

This chart illustrates the increase in APR and additional interest charges for taking an additional two years to repay a $5,000 loan.

Score3 YR5 YRExtra Interest

Zero Percent Rate

Your employer’s Flexible Spending Account (FSA) is the only true interest-free loan option for infertility or IVF. The employer cannot charge interest. The person borrowing the money makes principal only installment payments via payroll deduction.

In addition, the tax savings drive the cost of money well below 0%. The chart presents the FSA interest rate calculations for people in the most common tax brackets.

FICA RateIRS RateBelow 0% Interest Rate

Several medical finance companies market no-interest plans during a promotional period. The promotional period lasts 6, 12, 18, or 24 months. After the promotional period expires, the patient pays a 26.99% rate.

Some companies will charge the higher interest rate on the remaining balance. Others charge the higher rate on the opening balance if the patient fails to make the minimum payment each month, or has a positive balance at the end of the promotional period. Read the contract language carefully.

Tax Deductible

Choosing a tax-deductible loan can lower the effective interest rate on any infertility or IVF financing option. Keep in mind that these deductions apply to the interest paid each year, and not the monthly payments.

  • Student loan interest is deductible up to $2,500 annually. However, patients should only use this option to finance tuition, books, and housing.
  • Home Equity Line of Credit (HELOC) interest is tax deductible up to $100,000 if you use the money to fund anything other than home improvement – such as assisted reproduction.
  • Mortgage refinance interest is also tax deductible up to $100,000 for uses other than home improvement. However, closing costs are much higher.
  • Flexible Spending Accounts (FSA) offer pre-tax payroll contributions, which reduces the earnings subject to both income and FICA taxes.
  • Unsecured personal and medical loan interest is not tax-deductible.

Company Reviews of Infertility and IVF Financing

Prospective patients often seek out reviews of infertility finance or In Vitro Fertilization loan companies. Most banks will approve only those couples with the best borrowing credentials. For the remaining majority, the market breaks down into personal loan companies, providers referring patients to third-party lenders, and patient finance companies.

Fertility Clinic Financing

Many patients look to their fertility clinic for in-house financing for IVF or another specific treatment. Most clinics do not offer payment plans themselves. They want the money upfront. Therefore, they collaborate with patient finance companies.

Many fertility clinics consult with patients and help them submit financing applications to a third party. This allows the clinics to treat more patients who otherwise could not afford the procedures.

Many of these clinics and other organizations fit into this category.

Advanced Reproductive Care (ARC) markets in-house financing to couples using their professional services and fertility drugs. However, they do not provide the funding themselves. They refer patients to partner companies who make independent underwriting decisions.

Attain Fertility Centers offer multi-cycle discount programs, which make treatment more affordable if patients have sufficient funding. However, Attain does not provide in-house financing. Instead, Attain refers patients to affiliate partners

  • Health Credit Services for services performed within SRM – whatever that means.
  • Lending Club
  • CapexMD

Emory IVF financing is available through third-party companies only. The Emery Reproductive Center focuses exclusively on patient care and building families.

Kaiser IVF financing works simply. Pay in full before beginning each cycle. The Kaiser Center for Reproductive Health accepts cash, debit and credit cards (Visa, MasterCard, American Express), cashier’s check and money orders payable to The Permanente Medical Group.

Resolve is the trade name for the National Infertility Association. Resolve does not provide treatment or offer loans to patients. Resolve does publish a helpful listing of resources to help patients make building a family more affordable.

USF IVF and Reproductive Endocrinology at the University of South Florida Morsani College of Medicine offers treatment. USF accepts cash, personal check, cashier’s check, credit cards, and debit cards.

Personal Loan Companies

A network of personal loan companies will review your borrowing credentials and present offers. Pick the offer with the best overall terms: the amount, interest rate, and projected monthly payment.

Working with a personal loan company has several advantages over a medical loan to fund IVF or another specific infertility treatment.

  • Borrow more than the projected treatment costs. Having extra cash on hand when mom takes an unpaid maternity leave nine months later makes repayment much easier.
  • The lender sends the money to your bank account and not the clinic. Patients stay in control of the funds, which allows greater flexibility in choosing providers.
  • Having multiple lenders compete for your business makes the review process simple and easy.

Patient Financing Companies

Patient financing companies market their infertility and IVF financing programs to the clinics. In turn, the clinics refer patients to these third-parties so that they are paid upfront, and more couples pursue treatment.

The clinics make more money when the patients can afford a monthly payment plan. Few have saved enough cash to begin while they are still young enough to have children. The following companies fit into the patient financing category.

CapexMD specializes in fertility financing. This means they will fund up to the treatment plan estimate submitted by your endocrinologist. If approved, CapexMD disburses the funds directly to the clinic. As specialists, CapexMD sees firsthand the frequent repayment difficulties many patients face nine months after a cycle. Expect to pay higher rates for the specialization.

Capital One no longer offers unsecured personal or medical loans to new borrowers. It does offer customer repayment support services to existing customers. Capital One does offer healthcare loans to commercial accounts (doctors, dentists, hospitals, etc.) However, they do not support patient financing.

Care Credit offers healthcare financing programs. Care Credit features zero percent interest for patients who make minimum payments on time, and pay the full balance due within the promotional period. Patients use the Care Credit Card at participating providers only. Unfortunately, very few fertility clinics appear on their list of healthcare specialists.

Prosper Healthcare Lending provides access to affordable financing for any assisted reproductive expense including treatments, procedures, and medications. Prosper Healthcare Lending markets its services to individual clinics, who then refer patients needing funding to begin the next cycle.

Springstone IVF financing is apparently no longer available. Lending Club acquired Springstone in 2014. All online links redirect to the Lending Club Patient Solutions page. Here you will find that they offer loans for treatment, medications, genetic testing, and other related services through clinics.