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Financing Options

Covering costs when you're paying out-of-pocket

Our goal is to offer you caring expertise through every step of your journey — physically, emotionally and financially. Our financial coordinators will help you maximize your insurance coverage and explore payment programs and discounts that can lessen your total cost. Even so, for many of our patients, the remaining costs can pose a challenge. Financing all or part of your treatment costs with a loan can help relieve the financial strain and make your dream of having a baby attainable.

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4 Reasons to Choose Fertility Access:

  1. Easy accessFertility Access makes paying for IVF treatment simple and stress-free, so you can focus on building your family.
  2. Track record of success80% of patients who complete the program take home a baby.
  3. Peace of mindWith the cost of treatment taken care of, you can focus on what’s most important - building your family!
  4. You save moneyBy bundling your IVF cycles with a Fertility Access program, you can save up to 40% on your treatment costs.

Ready? Connect with Fertility Access today! The Fertility Access program is designed to give you peace of mind throughout your fertility journey. Call 1-800-USF-9203 to learn more or email us at FertilityAccess@USFertility.com.

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Started by an infertility survivor, EggFund helps the 1 in 8 Americans with infertility afford their dream of having a family.

EggFund has the largest network of vetted fertility lenders, who provide you pre-approved loan offers. EggFund gives you more choices, so you can find the best loan for you—all in one place.

Loans can cover all aspects of the treatment process including, testing, and medication, agency, attorney, and storage fees.

Loan features:

  • Loan amounts up to $100,000
  • Minimum FICO score of 600
  • Choose any provider: clinic, pharmacy, or agency
  • APRs from 3.84% - 35.99%*
  • Quick and simple one single page
  • Less than 60 seconds to see if you are pre-approved
  • No impact to your credit score for seeing your options
  • No Fee from EggFund (lender may charge a fee depending on lender’s policy)

*The APR you will be qualified for is based on your own creditworthiness and the lender’s underwriting criteria. Other fees may apply depending on the lender, check your offer.

 EggFund saves you time and stress, so you can focus on building your family. For more information, or to apply, visit https://www.myeggfund.com/fertility-loans-even or call us at (877) 470-4877 or info@myeggfund.com.


emBorrow is empowering women and couples to get the help they need when it comes to fertility. We offer our community members a superior experience – and fertility financing is just one of our many benefits.

emBorrow offers…

  • Affordable monthly plans and tailored services that can be set up as a subscription
    • Plans can include financing for egg freezing, IUI, IVF, donor eggs, surrogacy, and embryo testing

    • You can also add on holistic wellness services that include acupuncture, nutrition, fertility massage, yoga, and mental healthcare

  • Access to our partner fertility clinics and wellness centers
  • A community of women and couples that will share their own experiences to help guide you through your fertility journey
  • A user-friendly online application and member dashboard built to your specific needs
  • Fertility education and coaching throughout your entire process

emBorrow acknowledges the dilemmas, difficulties, and challenges that couples, and women, in particular, face when going through fertility treatment. Unlike traditional financial services, emBorrow has a singular focus on your unique needs as you seek to preserve your fertility or create a family.

Apply online or call them at 866-336-2796.


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Future Family is the smart way to pay for fertility treatments like IVF and egg freezing. We work with your clinic to combine all of your treatment costs into one easy monthly payment. A Future Family loan offers you competitive interest rates, exclusive medication discounts, as well as bill pay management, saving you time and money.

You can also invite a family member or friend to take out a loan on your behalf with our Friends & Family Plan. To learn more go to Future Family or get started by registering and prequalifying.


CapexMD specializes in patient financing services for all fertility treatment options. Through our partnership with CapexMD, we are able to offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.

Some of CapexMD’s many advantages include...

  • Specialists in fertility financing
  • Personal attention
  • Competitive Rates (typically lower than credit cards)
  • Easy & secure online application
  • Pre-approval within 24 hours
  • And much more...