Apply for Future Family Financing
90-second pre-screen. No hard credit pull. Find out your estimated loan amount instantly.
How the Application Works
Applying for Future Family financing is straightforward and designed not to disrupt your fertility treatment planning. The pre-screen is soft-pull only, meaning it will not appear on your credit report or affect your credit score.
Step 1 — Complete the Pre-Screen
Answer a few questions about your income, employment, desired loan amount, and the fertility treatment you are planning. This takes 60 to 90 seconds.
Step 2 — Review Your Estimated Offer
You will receive an estimated loan amount and projected rate range. You can then move forward with the full application if the terms work for your budget and timeline.
Step 3 — Full Application and Approval
If you choose to proceed, the full application process involves a hard credit pull and documentation of income. Approvals typically take 24 to 48 hours, and funds are disbursed directly to your fertility clinic.
Covered costs include: Clinic procedures, monitoring, laboratory fees, medications, egg storage, genetic testing (PGT), and donor fees. All costs consolidated into one monthly payment.
APR ranges from 9.74% to 23.74% depending on credit score, income, loan amount, and loan term. Example: $18,000 at 9.74% APR for 60 months = $380.15/month. No down payment required. No prepayment penalty.
Check Your Future Family Rate
No impact to your credit score · Takes 90 seconds
By submitting this form you agree to be contacted by Future Family lending partners. APR 9.74%–23.74%. Not all applicants qualify. futurefamilyloans.com is an independent guide, not a lender.
General Eligibility Requirements
Future Family works with a network of lenders. While each lender has its own underwriting criteria, most look for these general qualifications.
Age & Residency
Applicants must be at least 18 years old and a US citizen or permanent resident with a valid Social Security number.
Bank Account
You must have an active checking account in your name. This is where funds are tracked and payments are automatically scheduled.
Income
Regular income from employment, self-employment, freelance work, or government benefits. W-2 employees, 1099 contractors, and gig workers are all considered.