Financing IVF & Fertility Care

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Understanding Your Financial Options

At the Center for Reproductive Medicine, we understand that fertility care is not just a medical journey – it’s an emotional and financial one, too. The decision to grow your family comes with many considerations, and we’re here to support you every step of the way.

To help ease the financial aspect of treatment, we partner with trusted fertility financing institutions to offer a range of flexible payment options. Whether you’re pursuing IVF, IUI, or other advanced fertility services, our goal is to help make care more accessible.

Our dedicated financial counselors are here to walk you through your options, answer your questions, and help you find a solution that works for your family and your budget.

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

Financing IVF and Fertility Treatments: How We Help

You’re not alone in this process – our team is here to support you, including when it comes to navigating the financial side of care. We’ll help you explore all available options, understand the costs associated with fertility treatment, and connect you with financing programs that align with your needs.

We’ve worked with individuals and couples across the Orlando area, including Winter Park, Celebration, and Lake Nona, to find fertility solutions that are both effective and financially manageable. Ready to take the next step? Book an appointment at one of our convenient locations or download our fertility financing guide to learn more.

Contact Our Team  Download Our Guide    

Fertility Financing & Loan Programs

Fertility care is a deeply personal journey, and we believe financial concerns shouldn’t stand in the way of your family-building goals. That’s why we work with trusted third-party lenders and financial institutions to offer a variety of financing and IVF loan options.

Whether you're looking into a single treatment cycle, a multicycle package, or need help covering medications and related costs, our team will guide you through your options and help you find the solution that fits your situation best.

PatientFi

PatientFi provides stress-free fertility financing solutions so that patients can focus on treatment and worry less about financial interruptions. Each plan is customized for the individual, with terms that fit their unique needs. All treatments are covered under one easy plan, where patients make steady, affordable payments every month. Key highlights include:

  • Funding up to $50,000

  • Zero interest* plans available (*No interest if paid in full during 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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LendingClub

Center for Reproductive Medicine proudly offers flexible payment plans for patients seeking treatments and medications. We have partnered with Lending Club Patient Solutions to provide financing options with low fixed rates, monthly payments, and no upfront payments or 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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Future Family

If you plan to start your fertility journey soon, we're here to help! We’ve partnered withFuture Family, which offers customized loans with competitive low-interest rates that make fertility treatments and medication costs more affordable.

Future Family believes everyone deserves access to affordable fertility treatment, which is why they offer loans up to $50,000 and funds disbursed in just a few days. Prequalifying is easy, risk-free, and won't impact your credit score. Take advantage of simplified treatment costs and easy monthly payment plans.

Find out what you're pre-approved for through The Prelude Network personalized payment choice tool!

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CapexMD

CapexMD offers patient financing services for all fertility treatment options, including medications and genetic testing. They provide customized loan programs with competitive rates and pre-approval within 24 hours

With no prepayment penalties, annual fees, or impact on existing credit sources, CapexMD ensures that financial issues do not hinder your dream of having a baby.

To learn more, visit their website, CapexMD or call 1 (888) 497-8414.

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Bundl

Bundl helps remove financial stress from patients interested in IVF or IUI by combining multiple fertility treatments into a single package for one reduced, upfront cost. In addition, Bundl’s Success Guard™ and Bundl Guard™ offer an additional layer of financial protection. Find the plan that is right for you and start your fertility journey with peace of mind.

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Fertility Financing & Loans FAQs

  • The best IVF loan option depends on your individual financial situation. At CRM, we work with several reputable lenders that specialize in fertility financing, offering competitive rates, flexible terms, and quick approvals. Some programs allow you to finance a single treatment cycle, while others offer multicycle packages or bundled services. Our financial counselors can walk you through your choices and help you find the loan that fits your needs.

  • Fertility loans work much like personal loans – you apply through a third-party lender, and if approved, the funds are used to pay for fertility treatment. In most cases, you’ll make monthly payments to the lender based on the loan amount, interest rate, and repayment term. Some lenders offer deferred payment options or 0% interest promotional periods. We’re here to help you understand each offer and make an informed decision.

  • Yes. Many fertility loans can be used to cover a range of services beyond IVF, including fertility testing, IUI, egg freezing, medications, genetic testing, and even donor services. Some programs also allow you to bundle multiple treatments or services into one loan to make financing simpler and more predictable.

  • Yes, some lenders offer financing options for individuals with lower credit scores, though interest rates and terms may vary. If you're concerned about credit, we encourage you to speak with our financial counseling team – we can help you explore programs designed for a variety of credit profiles and identify potential solutions.

  • It’s a good idea to explore your financing options early in your fertility journey — ideally before starting treatment. Applying in advance allows you to understand your budget, compare offers, and make confident choices about your care. Our team can help you get started and answer any questions you have along the way.

Learn More About Fertility Financing with CRM

We are here to answer any questions or concerns you may have so that you feel completely confident when taking the first step toward building your family.

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