Financing IVF & Fertility Care

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Understanding Your Financial Options

At Main Line Fertility, we recognize that finances can significantly influence your decision to seek fertility care. Our experienced financial team is dedicated to alleviating financial stress during this sensitive journey. We'll guide you through your options and help you connect with reputable lenders so that you can start treatment with confidence.

How we can help  |  Available financing & loan programs  |  Financing FAQs

Financing IVF and Fertility Treatments: How We Help

Main Line Fertility provides advanced fertility care options, including IUI, IVF, fertility preservation, and more. Prices depend on individual treatment plans, but our financial counselors will give you the complete breakdown of costs and help you choose a fertility financing program if needed.

With clinics in Philadelphia, Bryn Mawr, West Chester, Havertown, Reading, and Fort Washington, we make fertility care accessible. Contact us today for more information or to schedule an appointment.

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Fertility Financing & Loan Programs

Fertility treatment can be a significant investment, but financial concerns shouldn’t stand in the way of building your family. We're proud to collaborate with trusted third-party lenders and financial institutions to help turn your dreams of parenthood into reality.

Our financial team is also available to review your financing options, which include single-treatment cycles, multi-cycle packages, and medication costs. We're here to answer your questions and guide you every step of the way.

BUNDL

Main Line Fertility proudly partners with BUNDL, a unique program that allows patients to package multiple treatment cycles together into one up-front cost. BUNDL is flexible, giving patients multiple packages to choose from, as well as custom add-ons. BUNDL understands that fertility treatment comes at a significant financial and emotional cost. Their industry-first risk protection plans offer full or partial refunds for unsuccessful treatments (subject to eligibility requirements and additional terms and conditions), so you can minimize your financial burden and focus on building your family.

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CapexMD

Through our partnership with CapexMD, Main Line Fertility offers customized loan programs featuring a variety of loan types and highly competitive rates to help make your financing experience relatively stress-free.

CapexMD’s loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered. Once approved, our financial counselors will work closely with their Fertility Loan Specialists to secure your funds and start treatment right away.

Some of CapexMD’s many advantages include:

  • Specialist in Fertility Financing
  • Highly Competitive Rates
  • Pre-Approval within 24 Hours
  • Highest Confidentiality
  • No Prepayment Penalties
  • Personal Attention
  • Easy and Secure Online Application
  • Flexible Terms
  • No Annual Fees
  • Retain Your Existing Credit Sources

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PatientFI

PatientFi provides stress-free fertility financing solutions for aspiring parents. Each plan is tailored to the individual, with terms that meet their unique needs. All treatments are covered under one easy plan, allowing patients to make steady, affordable monthly payments. Key highlights include:

  • Funding up to $50,000
  • Zero interest* plans available (*No interest if paid in full during the promotional period.)
  • APRs as low as 6.99%
  • Extended terms out to 84 months
  • No hard credit checks, ever
  • No extra or hidden fees

Visit PatientFi’s website to learn more.

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Future Family

Future Family aims to help everyone build the family of their dreams by removing the barriers to accessing fertility treatment. They offer loans of up to $50,000 and disburse funds in just a few days. Prequalifying is easy, risk-free, and won't impact your credit score.

You can find out what you're pre-approved for through The Prelude Network’s personalized payment choice tool.

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Lending Club

We offer flexible payment plans through Lending Club Patient Solutions. With Lending Club, patients can finance their treatment and related medications through flexible plans with low fixed rates and monthly payments, no upfront payments, and no prepayment penalties.

Visit LendingClub and complete a short application to determine your fixed rates and monthly payments for Extended Plans. Rest assured that this process will not impact your credit score.

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Fertility Financing & Loans FAQs

  • The best options for IVF loans depend on your unique treatment plan and budget. Main Line Fertility’s financial counselors will help you choose the option most suitable for your needs and family-building goals.

  • Fertility loans work similarly to traditional personal loans. You apply for the loan, and then the lender makes an offer depending on your treatment plan and credit score. Once approved, the lender sends the funds directly to your fertility clinic, and you pay the loan back in monthly installments.

  • Yes! Fertility loans can often be used for more than just IVF. Depending on the lender, you may be able to finance services like IUI, fertility medications, genetic testing, and even egg or sperm freezing. Our team will walk you through what’s eligible under each option.

  • Yes, some lenders offer financing options for individuals with lower credit scores. Interest rates and terms may vary, but our team will help you understand your options and find a solution that works for you.

  • We recommend applying for fertility financing as soon as you have your treatment plan. That way, you can borrow the exact amount of money you need and begin treatment as soon as possible.

Learn More About Fertility Financing with Main Line Fertility

The financial side of fertility care can be challenging to navigate, but you don’t have to figure it out on your own. Main Line Fertility’s financial team is here to answer your questions and help you find the support you need to grow your family.

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