How Can I Get IVF Financing?

In October 30, 2019

United Medical Credit Helps Make IVF, and Your Family, Possible

The first baby conceived and born through IVF intervention, Louise Brown, arrived in 1978 in the United Kingdom. Since then, around 5 million children have followed her from York to Ypsilanti to Yemen, giving hope to parents in the United States and abroad who had given up hope of being able to conceive a child with their unique genetic heritage. IVF is not a single procedure, but rather a constellation of different procedures intended to facilitate the conception process.

However, the cost of IVF procedures has long been a stumbling block if not an outright bar to many prospective parents, even those with stable careers and good financial situations. Unfortunately for many couples and would-be parents, the “sticker shock” associated with IVF and associated procedures has forced them to either continue trying to conceive naturally despite decreasing chances of success over time, consider adoption or simply resign themselves to being childless or ending their family growth earlier than they had intended. Others are dismayed to learn their medical insurance doesn’t include family planning and conception assistance or are so limited in what they do offer as to be of no help.

That’s where United Medical Credit comes in. We have helped hundreds of couples achieve their dreams of parenthood by assisting them to finance IVF and associated procedures, making them more affordable. Using financing plans tailored to the financial resources of each family, we are pleased to have played a role in the most beautiful and magical moment a human can experience: the creation of a new life. To make IVF Financing a little more understandable, we wanted to take this time and address a couple of common questions we receive from people considering IVF or other fertility and conception procedures.

How Does IVF Work?

IVF is not a single procedure, but rather a series of modalities which aid in conception and improved embryonic viability, so there is not a single, simple answer for this question. The kind and aggressiveness of intervention required depends on a number of factors. Some of these include whether the mother is over or under 35, how long the parents have been trying to conceive, what lifestyle and genetic influences are present and the overall health of the reproductive cells of both parents. A father with abnormal sperm cells, low motility or other issues would indicate different intervention modes than a mother who does not produce healthy eggs regularly.


In general, a woman’s body administers a high dose of ovulation-stimulating hormones starting after the end of her menstrual cycle. These hormones stimulate the follicles within her ovaries to mature and release more egg cells, increasing the likelihood of achieving pregnancy. Around the 10th day, these eggs will be collected by a specialist. The procedure requires light anesthesia and is performed through the woman’s vagina. Once the eggs are collected, they will be fertilized in the laboratory and allowed to mature for between three and five days. Finally, the fertilized eggs are implanted in the woman’s uterus using a thin tube which is passed through the vagina and cervix. At this point the woman will start a new round of drugs to encourage the eggs to settle and attach to the uterine wall lasting about 10 weeks. Between the 9th and 12th day the specialist will check to make sure the eggs have attached properly. At this point, the mother should be officially pregnant.

 What’s the Success Rate for IVF Treatment?

Success rates vary for IVF procedures. Generally the older the woman is and the less time the couple has been trying to conceive, the lower the odds are of the procedure working. From age 30-34, the success rate for an individual IVF procedure is roughly 25%, but this rate drops steeply for women every five years starting at age 35. The associated risks include increased likelihood of multiple births at one time and a 10-30% chance of miscarriage, depending on the age and overall health of the mother.


Again, there is no simple answer, because each individual procedure is considered separately. With single IVF treatment costing $12,000 or more, many patients want to know what their total costs will be, if their business or personal health insurance plan will cover any of it, and whether they can get fertility loans with affordable monthly payments through reputable channels. 

Fertility care costs depend on where in the country and by whom the treatment is conducted, whether and what kind of other interventions beyond the “simple” procedure outlined above is required and other factors. A “simple” IVF may cost less than $10,000, up to nearly $20,000. Procedures such as intracytoplasmic sperm injection, where sperm is introduced into an egg via injection, can increase the cost based on the factors given above. Likewise, egg freezing for future implantation will probably also increase costs. Because every couple and situation has its own unique challenges and concerns, it is difficult to project early on what the final cost will be.  

Only 15 states currently require insurance companies to carry some of the cost of IVF procedures, but even these insurance plans do not cover all procedures or all costs associated with IVF treatments. To pay for IVF treatment, many patients look into a combination of health savings account funds, financing companies or payment programs through their doctors’ offices or medical credit cards. Fertility patients have to take into account their unique budget, existing credit card debt or student loans, credit score, cash on hand and other financial information, then estimate the cost of fertility drugs and other expenses. Paying for IVF can be even more expensive should the patient require an egg donor, egg freezing, genetic testing and other potential related IVF costs. However, United Medical Credit offers Fertility Financing for good and bad credit to help make the cost of IVF and its related procedures more affordable and accessible to everyone dreaming of starting or continuing their family.

In other words, the challenge to pay for fertility treatment, even with excellent credit, can be a tough one. Even with access to these resources and stable careers, some couples may find the expense of in vitro fertilization beyond their financial means. This is where UMC can help. We provide loans of up to $25,000 to help finance the following procedures and much more! United Medical Credit has years of experience, and is willing to share our knowledge to prospective parents. It is our mission to provide the best chance of success to those that seek fertility financing.


  • Egg and Sperm Freezing
  • Infertility Treatment
  • Zygote Intrafallopian Transfer
  • In Vitro Fertilization




Financing programs are available for all borrowers, including those with a less than perfect credit score or who may have had difficulty managing their finances in the past. Some patients without health savings accounts or other means to pay for fertility treatments look into medical credit cards or similar products. These cards and loans can help defray the immediate personal expense of being able to receive IVF. However, it is difficult to qualify for a credit card with a low interest rate without a high credit score. 

Even those with excellent credit may struggle to pay for fertility treatments, with high average costs for fertility drugs, egg donors, genetic testing and other necessary steps for family building. Borrowing money from an online lender with low monthly payments and no prepayment penalties can be the best option for many patients, increasing the affordability of the procedures and spreading the payments out over time. United Medical Credit has years of experience helping patients through the loan process and establishing a payment plan that works for their budget, even when other loan providers turned them away based on their personal credit or offered terms which didn’t meet the patients’ needs.




There is no one single answer. IVF grants are difficult to secure and vary in the amount, as well as the criteria required to obtain them. Some cover a single treatment, others may pay for more. Some IVF grants are available for those with low income or those from a special group, such as cancer survivors. 

An IVF grant may cover some treatment options and methods, but not others. For example, it may pay for a single IVF treatment but not an egg donor or other associated fertility care needs such as specialist visits, medications, cryogenic storage or other possible prerequisites. A combination of grants and fertility loans may be the best option for some patients. 


The difference between an IVF grant and an IVF loan is that an IVF grant does not have to be paid back. However, generally there are only a few options patients have for IVF grants, whereas many patients can receive an IVF loan through United Medical Credit. IVF grants tend to be very restrictive concerning who may access them, when, where and how the funds may be used, the actual amount of the grant and other factors. This, in turn, forces many people who receive grants to still need to consider alternative funding sources over and above the grant—even assuming a single round of IVF proves to be successful, which is only about a 1-4 chance.

Even for patients who do qualify for certain grants which help defray IVF costs, an IVF loan can help patients stay out of credit card debt by using IVF financing and a payment program with affordable rates and reasonable terms. The online application process is simple and fast – you just need some basic financial information to get started. Loan amounts are flexible, depending on the individual needs of the patient. An IVF loan helps patients pay the full amount for fertility treatment to the fertility clinics upfront, so they can get started with their treatment options right away.


Yes. For patients suffering from an infertility diagnosis, IVF loans from an online lender can help them start family building today while paying on a flexible schedule which works with their situation. IVF loans for the procedure, donor eggs and other treatment options begins with filling out United Medical Credit’s online application. IVF treatment financing helps patients, including those with bad credit, achieve their family goals without draining their savings account. 


Our past clients have given United Medical Credit great reviews for our service, competitive loan structures and pricing and empathy with the difficulties of getting medical financing. Some of the reasons we’ve been so successful at making and keeping a diverse group of clients satisfied are our medical loan products and services, which include:

  • No prepayment penalties
  • Interest free financing options on approved credit with provider participation
  • Multiple loan term payment plans to choose from
  • Affordable monthly payments
  • Competitive interest rates

If you’re considering starting or expanding your family, your bank account shouldn’t be an obstacle to becoming a loving parent. IVF is only one of many modalities which may be available to start you on your path to the family you’ve always wanted, and UMC can help place your family planning and expansion within your financial grasp. At United Medical Credit, we’re committed to helping you grow your family, with terms you can afford!



Leave A Comment

// Fresh chat