Financing IVF & Fertility Care

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Understanding Your Financial Options

At Pacific Fertility Center, we're dedicated to supporting you throughout your entire fertility journey, including the financial aspects of treatment. We understand that navigating fertility costs can be overwhelming, so our team is available to answer your questions and connect you with reputable lenders. Our goal is to make fertility care accessible to all patients, regardless of their unique needs.

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

Financing IVF and Fertility Treatments: How We Help

Pacific Fertility Center offers a wide range of advanced fertility services, including IUI, IVF, fertility preservation, and more. It's essential to note that prices vary depending on individual treatment plans. No matter your unique needs and family-building goals, our financial counselors will review all costs with you and help you choose a fertility financing program.

We proudly serve patients throughout Northern California and beyond with fertility clinic locations in the San Francisco Bay Area and Marin County. Contact us today to schedule an appointment.

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Fertility Financing & Loan Programs

Many couples and individuals seek fertility care to grow their families, and we believe that financial concerns shouldn't prevent anyone from receiving these vital treatments. That’s why we've proudly partnered with trusted third-party lenders and financial institutions to offer support to our patients throughout this process

Our team is here to review your financing options for single treatment cycles, multi-cycle packages, or medication costs. We can answer your questions and help you make confident decisions about the next step in your fertility journey.

BUNDL

Pacific Fertility Center proudly partners with BUNDL, a unique program that allows patients to package multiple treatment cycles together into one up-front cost. BUNDL is flexible, giving patients multiple packages to choose from, as well as custom add-ons. BUNDL understands that fertility treatment comes at a significant financial and emotional cost. Their industry-first risk protection plans offer full or partial refunds for unsuccessful treatments (subject to eligibility requirements and additional terms and conditions), so you can minimize your financial burden and focus on building your family.

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CapexMD

Through our partnership with CapexMD, Pacific Fertility Center offers customized loan programs featuring a variety of loan types and highly competitive rates to help make your financing experience relatively stress-free.

CapexMD’s loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered. Once approved, our financial counselors will work closely with their Fertility Loan Specialists to secure your funds and start treatment right away.

Some of CapexMD’s many advantages include:

  • Specialist in Fertility Financing
  • Highly Competitive Rates
  • Pre-Approval within 24 Hours
  • Highest Confidentiality
  • No Prepayment Penalties
  • Personal Attention
  • Easy and Secure Online Application
  • Flexible Terms
  • No Annual Fees
  • Retain Your Existing Credit Sources

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Lending Club

We offer flexible payment plans through Lending Club Patient Solutions. With Lending Club, patients can finance their treatment and related medications through flexible plans with low fixed rates and monthly payments, no upfront payments, and no 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

Future Family aims to help everyone build the family of their dreams by removing the barriers to accessing fertility treatment. They offer loans of up to $50,000 and disburse funds in just a few days. Prequalifying is easy, risk-free, and won't impact your credit score. 

You can find out what you're pre-approved for through The Prelude Network’s personalized payment choice tool.

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Sunfish

We partnered with Sunfish to offer you fertility loans created by fertility experts. Sunfish offers loans for IVF, egg freezing, embryo preservation, gestational surrogacy, egg donations, and more at industry-low rates.

With decades of experience serving all types of families – LGBTQIA+, heterosexual couples, and singles planning for their future family – they are experienced working with a variety of borrowers. Additionally, their loans have no origination fees, maintenance fees, or prepayment fees.

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Fertility Financing & Loans FAQs

  • Each individual has a unique treatment plan and budget that determines which IVF loans are most suitable. The experienced financial team at Pacific Fertility Center will assess your needs and help you choose the best option for you.

  • Fertility loans are similar to traditional personal loans. Once you apply, the lender makes an offer based on your treatment plan and credit score. Once approved, they send the funds directly to the clinic, and you pay the loan back in monthly installments.

  • Yes — many fertility loans extend beyond IVF and can be used for services like IUI, donor eggs or sperm, embryo testing, and medications. Coverage varies by lender, and our financial counselors will help you understand what’s included with each option.

  • Financing may still be possible, even if your credit score isn’t perfect. Some lenders specialize in working with a wide range of credit profiles. We’ll help you explore your options and explain how different credit factors might impact your loan terms.

  • The best time to apply is after you’ve met with your doctor and received a recommended treatment plan. This ensures you’re applying for the right amount — and gives you a head start on moving forward once you’re ready to begin care.

​​Learn More About Fertility Financing with Pacific Fertility Center

At Pacific Fertility Center, we understand the financial challenges that can come with fertility care costs. We'll always be transparent with you and do everything possible to ease the financial burden so you can focus on what matters most — growing your family.

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