Why get a fertility loan?
$0 down to get the treatment you need without waiting.
Borrow up to $100,000 so you can get approved to multi-cycles costs and medication.
Low monthly cost
Flexible terms with low interest rates to give you affordable monthly payments.
1. Can I get a fertility loan that covers multiple treatment cycles?
Yes. Through LightStream, you can apply for the total amount that you will need to cover multiple IVF cycles as well as medication, testing, consultations, donor and testing services you may need.
2. How much will my monthly payment be?
If approved, this will depend on how much you borrow, what term you choose and the interest rate you are approved for.
Please note that IVF Options is not a lender. IVF loans are offered through LightStream. You can use the calculator on their site to estimate potential monthly payments.
3. Do I need to see a doctor before applying for an IVF Loan?
We can help estimate potential costs prior to choosing a fertility clinic, so you understand how much to apply for, and which clinics fit within budget. You can approved for fertility financing before choosing the doctor you wish to use. The funds will be sent directly to your bank account, so you can decide which clinic to go to after you are approved.
4. What if I don’t know how much I need to borrow?
We recommend talking to our Fertility Advisor to understand treatment pricing, additional costs, and what the different options are. If you receive a loan through LightStream, they do not charge any prepayment penalties. That means that if you borrow enough to cover 2 IVF cycles and you get pregnant on the first cycle, you can simply pay off the remaining funds early.