Compare IVF Loans From 15+ Lenders in Minutes.

Financing for all of your family planning needs – including IVF and fertility treatments, adoption, surrogacy, and more. Fixed rates start at 5.40% APR (with autopay)1

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Financing for All of Your Family Planning Needs

Whether you’re beginning your IVF journey or you’re dreaming of adoption, a personal loan can get you the funding you need to grow your family. IVF can be an incredibly costly process – one cycle of IVF alone can cost upwards of $23,000, and adoption and surrogacy can be equally cost-prohibitive.

A personal loan for family planning can get you the funds you need without wreaking havoc on your savings account or maxing out your credit cards. With low fixed rates, flexible repayment terms, and loan amounts up to $100,000, you can find a family planning loan to fit your budget.

How it Works

Determine How Much Funding You Need.

After you’ve found a fertility clinic or an adoption agency, add up any costs your savings won’t cover.

Compare Rates and Find Your Best Option.

Use our rate comparison tool to shop our network of 15+ lenders with one simple form. See your options up front without any impact to your credit.

Select a Lender and Apply Online.

Once you determine the best option, you can select a lender and apply directly through their website.

Receive Your Funds

After approval, lenders typically provide the funds anywhere from the same day to within a few business days.

How Can I Use a Family Planning Loan?

You can use a family planning loan for any aspect of your journey to parenthood. Here are a few of the more common expenses:

In Vitro Fertilization (IVF)

The out-of-pocket cost for one cycle of IVF can vary significantly based on location, medications required, and whether you use donor eggs or sperm. You can expect the cost to range from anywhere between $15,000 and $30,000. Some patients require two or three cycles of IVF before conceiving, and there’s no guarantee IVF will result in a successful pregnancy.


The cost of having a baby via surrogacy in the United States ranges anywhere between $100,000 to $200,000. IVF is part of the surrogacy process, along with agency fees, legal fees, and surrogate compensation, making this one of the costlier routes to parenthood.


Private adoption can cost between $25,000 and $60,000, depending on whether the adoption is through an agency or done independently with an attorney. However, adoption through foster care is a low-cost alternative for prospective parents, with most costs being subsidized through state or federal programs. Out-of-pocket costs for an adoption through foster care typically amount to less than $1000.

IVF and Family Planning Loans – FAQ

The difference between these loans is in name only – they are all simply personal loans used for the purpose described. A personal loan is an installment loan that lets you borrow money from a bank, credit union, or other financial institution that you pay back on a monthly basis over a period of time known as the repayment term. The interest rate on your personal loan will be based on your credit score and other factors.

Getting a personal loan for family planning, IVF, surrogacy, or adoption is a quick and easy process compared to other types of loans like mortgages. Most lenders allow you to check your rate and prequalify without any impact on your credit score — you can also check multiple lenders at once with Purefy’s tool.

Once you’ve prequalified, you’ll apply directly with the lender you choose, which generally takes less than 15 minutes. The lender will run a hard credit check and you may be required to submit some documentation such as a paystub. If your loan is approved, the lender will typically wire the funds directly to your bank account.

All in all, the process can be completed in anywhere from the same day to a few business days, depending on the lender.

Each lender may have their own criteria for IVF or family planning loans, but generally speaking, you’ll need the following:

  • A fair or good credit score – the higher the score, the lower your rate
  • Verifiable income and employment
  • Be at least 18 years old
  • Be a U.S. Citizen or Permanent Resident with a Social Security Number

The amount you can borrow varies from lender to lender, but many lenders offer loans as high as $50,000 and some even as high as $100,000.

However, even if a lender advertises a high maximum loan amount, to qualify for the largest loan sizes you may need to meet specific credit requirements and debt-to-income requirements.

Funding time varies by lender. Some lenders can fund loans on the same day, while others may take a few business days. Generally, online lenders take 1-5 days, banks 1-7 days, and credit unions 1-7 days. Money is usually sent electronically to your bank account, ensuring quick delivery.

Depending on your state of residence and financial circumstances, you may be able to qualify for a grant to cover some of the costs associated with IVF, surrogacy, or adoption. There are nonprofit organizations and foundations dedicated to offering financial assistance to prospective parents, so it’s important to research grant options available to you. Many clinics can also offer resources or help connect you to available grants, and some clinics offer their own grants.

Yes, you may be able to get a family planning loan if you have bad credit, but your options will be limited and it could be more difficult to qualify. Bad credit is generally defined as a credit score in the low 600s or worse.

Check our rate comparison tool to see if you prequalify with our lender network – you might be surprised.

While you don’t necessarily need good credit to obtain a family planning loan, having good or excellent credit may result in lower interest rates and more lenders to choose from.

Our comparison tool includes options for an array of credit profiles, and checking rates won’t hurt your credit