Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Feb 22, 2021

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  • IVF (in vitro fertilization) is a medical procedure that aids in the conception of a baby
  • IVF is often not covered by health insurance providers, and if it is covered, it’s usually only partially covered
  • The burden of IVF costs falls on the women and families who are trying to conceive
  • Like almost all elective medical procedures, IVF is not cheap

Modern science has given more women and families the ability to have children through in vitro fertilization (IVF).

IVF is an elective procedure and is therefore hardly covered by health insurance plans. However, IVF loans are available to help people pay for these medical services.

The cost of medical care in this country is very high, and the cost of elective procedures like IVF is no different. It can seem daunting to think about the costs associated with these treatments, but you can get a personal loan for IVF treatments.

We’ll go over personal IVF loan options and some other potential ways you could fund your IVF treatments.

There are options when it comes to how you finance your treatment, but some will be more advantageous to your financial situation than others. Let’s take a closer look.

If you’re ready to apply for an IVF loan, enter your ZIP code above to compare IVF loan rates.

Are there loans for IVF treatments?

As you’re probably well aware, health insurance doesn’t usually cover IVF treatments, which are very expensive.

Are there loans for IVF treatment? Yes, you can get a loan to cover your IVF.

There are a couple of options. You could get a general personal loan, or you could choose to work with a fertility lender who specializes in IVF loans, much like some lenders specialize in auto or student loans.

To get a personal loan, you will need to go to your bank or credit union or choose an alternative lender. To get a personal loan from a bank or credit union, you will need to fill out an application and provide a ton of personal and financial information.

You may want to choose a bank or credit union over an alternative lender because they will likely have better interest rates, fewer hidden fees, and they already have a relationship with you. However, it can take you longer to get approved through this traditional personal loan process.

If you want to move fast, you can seek an alternative lender. There are many such lenders online who will approve you for money and make it available to you quickly. Sometimes in as little as one day. The downside here is that there will likely be more hidden fees and higher interest rates.

You should take your time and shop around when looking for a personal loan so that you get the best terms possible. If you’re interested in learning more about personal loans, check out Experian’s free online resources on the subject.

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Are there any IVF-specific lenders?

There are lenders who focus specifically on fertility loans.

It is important to find a lender who works with your doctor of choice. That way payment and all costs can be routed directly through your doctor’s office to your loan company. This makes life a lot easier for you and allows you to focus on your treatment.

The downside to working with fertility-specific lenders is that they often have higher interest rates than traditional lenders. However, this is not always the case, and you could even find better loan terms working with one of these companies instead of a traditional lender.

Can I get IVF financing with bad credit?

Having a bad or poor credit score will affect the terms of your loan, but you should be able to get an IVF loan with bad credit. There are some companies that specialize in offering IVF loans for bad credit, including United Medical Credit.

United Medical Credit reviews online all seem pretty positive. This lender promises that there are no hidden fees, all credit scores approved, and money can be received sometimes on the same day as you apply.

If you have bad credit, United Medical Credit may be your best choice when it comes to financing IVF treatments. However, you should weigh all of your options, compare quotes online, and speak with an unbiased financial advisor to get a complete overview of your options.

Are there other financing options for IVF?

Obviously, in a perfect world, you wouldn’t need a loan, and you could pay for the costs of your IVF treatment out-of-pocket. Most people don’t have that much money on hand, but if you have a decent amount of money put aside, you don’t need to finance the whole treatment.

Other options include using a credit card to pay for portions of your IVF treatments or using a health savings account. If you intend to pay with a credit card, look for a card that offers a 0 percent interest introductory rate. That way, you can try to pay your bill off before it incurs interest.

Health savings accounts are also great options if you have one, but there are contribution limits to these accounts. Likely, you won’t be able to cover your entire IVF treatment with a health savings account, but it could help pay for a large portion of your treatment.

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IVF Loans: The Bottom Line

IVF is an expensive medical treatment. There are multiple different ways you could finance your IVF treatments.

You need to determine which method of financing will be the most beneficial to your financial future. After all, you are trying to bring another life into this world. You will want to start on solid financial ground.

You can always speak with a financial counselor if you are unsure which financing option is best for you. They can help you understand the ins and outs of each option in more depth.

If you’re ready to apply for an IVF loan, enter your ZIP code below.