FUNDING YOUR JOURNEY
There are multiple ways to finance your journey—including loans, grants, and creative funding options. Many families use a combination of these resources.
Fertility & Surrogacy Loan Options
Specialized Fertility Lenders
- Loans from $3,000–$55,000
- Same-day or 24-hour approval in many cases
- No impact on credit score to apply
- Covers:
- IVF, medications, genetic testing
- Surrogacy agency fees + donor costs
- Flexible repayment: 6–84 months
One of the most commonly used fertility lenders
- Loans typically $2,000–$50,000
- Check your rate with no credit impact
- Covers IVF and fertility-related expenses
- Widely used with clinics and agencies
- Works with banks (ex: LightStream loans)
- Provides financing for:
- IVF
- Surrogacy
- Donor services
- Often paired with clinic or agency referrals
- Loans up to ~$100,000
- Monthly payments starting around $200+
- Flexible partner lenders (not just one bank)
- Can cover:
- Often includes financial planning + support
- Often paired with clinic or agency referrals
- Financing up to $50,000 within 24 hours
- Monthly plans (some starting ~$300/month)
- Includes:
- Fertility nurse coaching
- Clinic matching support
- No credit impact to prequalify
Other Loan Options to Consider
- Personal loans (banks, credit unions)
- Home equity loans (lower interest but higher risk)
- 401(k) loans (use cautiously)
- Employer fertility benefits (Carrot, Progyny, Maven)
Surrogacy & Fertility Grants (FREE MONEY)
Grants do NOT need to be repaid—but are competitive and often have eligibility requirements.
- Grants for infertility treatment + surrogacy
- Does NOT cover egg/embryo freezing
- Provides financial assistance for gestational surrogacy
- Focus on families who cannot afford full costs
- Financial assistance for infertility treatments
- May include IVF and third-party reproduction support
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- One of the most well-known grant providers
List of several other grants:
Most intended parents use a combination of loans, grants, and savings. Part of our support includes helping you understand your options and build a financial plan that works for your family.