11 Ways to Finance IVF: Fertility Loans and Benefits to Explore
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At LEVY Health, we know that navigating fertility care can feel overwhelming – emotionally, physically, and financially. While treatments like IVF and egg freezing offer life-changing possibilities, they often come with a high price tag.
The good news? There are financing options that can help make care more accessible. Whether you’re paying out of pocket or don’t have fertility benefits through your employer, here are some of the most common fertility loan providers and benefit platforms to support your next steps.
1. CapexMD
CapexMD is a fertility-focused loan provider that works directly with clinics to offer customized financing.
How it works:
- Confirm your clinic is in their network
- After receiving your treatment plan and cost estimate, apply online
- Same-day approval if submitted before 2 pm ET
- Funds paid directly to your clinic within 2 business days
Highlights:
- Loans from $3K–$50K, 6–60 month terms
- No prepayment penalties or membership fees
- Covers meds, testing, donors, surrogacy
2. Future Family
Future Family offers flexible loan programs, plus coaching and discounts.
How it works:
- Prequalify in about 90 seconds with no credit impact
- Choose either IVF or egg-freezing loan; receive funds in ~48 hours
Highlights:
- Up to $50K coverage
- IVF payments from $300–$475/month; egg freezing from $150/month
- Includes fertility nurse coaching, med discounts, and refund options
3. LendingClub Patient Solutions
LendingClub provides healthcare-specific personal loans.
How it works:
- Fill out a quick online form; see prequalified options with no credit hit
- Choose a loan; money is sent directly to your provider
Highlights:
- Covers IVF, meds, genetic testing, donor services, egg freezing
- Bundle multiple services into one plan
4. Gaia
Gaia is a value-based IVF financing model with strong patient protection.
How it works:
- Apply for a Gaia-backed IVF plan
- You pay a “protection fee” each cycle
- You only repay the full cost after a live birth; if no baby after 3 cycles, you stop paying
Highlights:
- Up to 3 cycles with financial protection
- 0% interest during treatment & pregnancy
- Covers retrieval, unlimited embryo transfers, meds, genetic testing, counseling
5. Sunfish
Sunfish offers inclusive, transparent IVF bundles with financial safeguards.
How it works:
- Select a bundled IVF package
- Apply online; Sunfish helps arrange financing and clinic coordination
Highlights:
- Flat-fee bundles covering meds and labs
- Medication discounts and emotional care
- Partial refund up to $15K if treatment isn’t successful
6. PatientFi
PatientFi specializes in elective healthcare financing, including fertility.
How it works:
Apply online and get instant prequalification
Receive up to $50K; funds sent directly to your provider
Highlights:
- APRs as low as 6.99%, terms up to 84 months
- Zero-interest options if paid during promo period
- No hidden fees, no hard credit checks
7. Progyny (Employer-Sponsored)
Progyny offers integrated fertility benefits through employers.
How it works:
- Enroll via your employer’s health plan
- Receive coverage as bundled “Smart Cycles”
Highlights:
- Packages include diagnostics, meds, advanced treatments (ICSI, PGT-A)
- One simple benefit—no per-service billing
8. Carrot Fertility (Employer-Sponsored)
Carrot provides broad, global fertility support for employees.
How it works:
- Enroll via employer; use Carrot Card for payments
Highlights:
- Covers IVF, egg freezing, donors, surrogacy, menopause
- Global provider network (10K+ clinicians in 130+ countries), 24/7 support
9. WINFertility (Employer-Sponsored)
WINFertility partners to offer bundled care at reduced cost.
How it works:
- Employer contracts with WIN for fertility packages; financing available if needed
Highlights:
Up to 40% savings vs standard care
Covers diagnostics, meds, genetic testing
10. Kindbody (Employer-Sponsored)
Kindbody integrates virtual and in-clinic fertility benefits and care.
How it works:
Employers include Kindbody in health plans; care delivery via clinics or digital
Highlights:
- 20–30% lower cost through bundled services
- In-clinic, telehealth, and holisitic services including IVF, egg freezing, menopause care
11. Maven Clinic (Employer-Sponsored)
Maven is a virtual-first platform offering fertility through employer plans.
How it works:
- Enroll via employer or health plan; access virtual fertility coaches, clinicians
Highlights:
- 24/7 access to specialists and mental-health support
- Covers fertility, maternity, parenting, menopause; emphasis on outcomes and equity
Final Thoughts
Fertility care is a deeply personal journey—and financing plays a key role. Whether through loans or employer benefits, choosing the right option can ease stress and bring clarity to your next steps.
Need help preparing for your first fertility consultation? LEVY Health supports patients and clinics with diagnostics, labs, and result interpretation at every stage. Learn more about how we support your care.
