Personal Fertility Treatment Loans For Good & Bad Credit

How do fertility treatment loans work?

Fertility treatment loans, often issued as personal loans, are a type of fixed installment loan. Here’s how they work:

1. Apply and get pre-qualified – Submit basic information to check your rates and offers, often with no impact on your credit score.
2. Choose your loan offer – Compare offer details such as interest rate, loan amount, repayment period, and monthly payment.
3. Receive funds – Once approved, funds are typically deposited as a lump sum, often within 1–2 business days, although funding times can vary.
4. Use the loan as needed – Use the funds for fertility-related expenses like IVF, medications, egg retrieval, or travel.
5. Repay over time – Make fixed monthly payments with interest over a set repayment period.

Fertility loans offer flexibility and can help reduce the financial stress that often accompanies fertility treatments.

Can I get a personal loan for fertility treatment with bad credit?

It’s possible to get a personal loan for fertility treatment with bad credit, though your options may be more limited. While credit score plays a significant role in loan approval, lenders may also consider factors like income, employment stability, and overall credit history. Offering collateral, applying with a co-signer, or choosing a lender that specializes in bad credit loans can improve your chances. Shopping offers through platforms like Acorn Finance can help you compare multiple lenders and find the most suitable option without impacting your credit score.

Are fertility financing options available for people with no credit history?

Yes, although getting a fertility loan with no credit history can be challenging, there are still options available. A lack of credit shouldn't stand in the way of starting a family. Here are a few alternative financing options to consider:

• Payment plans – Some fertility clinics offer in-house financing with flexible, interest-free payment options.
• Grants or donations – Nonprofit organizations may provide fertility grants to help cover treatment costs.
• Loans from friends or family – A personal arrangement can provide funds without a formal credit check.

In some cases, applying with a co-signer or exploring credit-building loans can also help you qualify for financing in the future.

What can I use fertility financing for?

Fertility financing, often in the form of a personal loan, comes with few spending restrictions, making it a flexible option for covering a wide range of fertility-related expenses. Since fertility treatment can involve ongoing and unexpected costs, some individuals may choose to take out more than one loan or consider a line of credit.

Here are common expenses fertility financing can help cover:

• Bloodwork and lab testing
• Fertility consultations and ultrasounds
• Medications and hormone treatments
• Egg retrieval and embryo transfers (including FET)
• Copays and out-of-pocket medical costs
  Donor eggs or sperm
• Travel for treatment
• Storage fees for eggs, embryos, or sperm
• Living expenses during treatment

Fertility loans can help reduce financial pressure and make it easier to focus on your family-building journey.

Do fertility loans cover IVF treatments?

Yes, fertility loans can be used to cover the costs of In Vitro Fertilization (IVF). This includes a wide range of related expenses such as:

• Testing and consultations
• Egg retrieval and fertilization
• Medications and hormone treatments
• Embryo storage and transfer
• Travel and lodging for treatment
• Time off work or other living expenses

Since IVF can be costly and involve multiple stages, it’s important to calculate the full scope of expenses before applying. This helps ensure you borrow the right amount and choose a loan offer that aligns with your budget and treatment plan.

What credit score is needed for a fertility treatment loan?

Fertility loan offers are more likely to be returned to borrowers with fair credit or better. According to the FICO® score scale, a fair credit score ranges from 580 to 669. While some lenders may approve lower scores, having a stronger credit profile can improve your chances of returning more competitive offers. 

Before applying, it’s a good idea to:

• Check your credit score to understand where you stand
• Review your credit report for accuracy and identify areas for improvement
• Use credit monitoring tools to track changes over time
• Consider a co-signer with good credit to strengthen your application

Taking steps to boost your credit score ahead of time can help you qualify for more favorable fertility financing options.