Got Questions?
Future Family Frequently Asked Questions
Everything you need to know about rates, eligibility, coverage, and more.
What is Future Family?
Future Family is a fertility-specific financing platform founded in San Francisco in 2016. It connects patients with a network of lenders offering loans up to $50,000 for IVF, egg freezing, and other fertility treatments. Unlike general loan platforms, Future Family also includes a dedicated Registered Nurse Fertility Coach with every loan.
What APR does Future Family charge?
Future Family APR ranges from 9.74% to 23.74%. Your specific rate depends on credit score, income, desired loan amount, and chosen repayment term. There are no origination fees and no prepayment penalties. Example: $18,000 at 9.74% APR for 60 months = $380.15/month.
How fast will I receive funds?
Once approved for a Future Family loan, funds are disbursed directly to your fertility clinic within 24 to 48 hours. You do not receive cash — payment goes directly to your clinic, lab, and pharmacy partners, reducing administrative complexity for you and your clinic team.
Does the pre-screen affect my credit score?
No. Future Family's 90-second pre-screen uses a soft credit pull, which does not appear on your credit report or affect your credit score. A hard credit inquiry occurs only if you choose to proceed with a formal loan application after reviewing your estimated offer.
What does a Future Family loan cover?
Future Family loans cover the full spectrum of fertility treatment costs: clinic procedures (retrieval, transfer), laboratory fees, medications and injectable hormones, embryo or egg storage fees, genetic testing (PGT-A, PGT-M), donor egg or sperm fees, and other treatment-related expenses. All costs are consolidated into a single monthly payment.
Can I get a Future Family loan with bad credit?
Future Family works with multiple lenders, some of which accept credit scores as low as 580. Lenders consider your full financial profile — including income stability and debt-to-income ratio — not just your credit score. If your score is below 620, you may qualify at a higher APR, or a co-signer may improve your options.
What is the Future Family Baby or Your Money Back program?
Launched in early 2025, this is Future Family's IVF insurance product. If you complete two IVF cycles using this insurance and do not achieve a live birth, you can file a claim and receive a refund up to your coverage limit ($15,000, $30,000, or $50,000 depending on your policy). Insurance pricing averages approximately 20% of total two-cycle treatment cost.
Is Future Family available in my state?
Future Family is available in most US states, but not all. Availability depends on the licensing of their lending partners in your state. You can check eligibility by starting the 90-second pre-screen — availability is confirmed before any hard credit pull occurs.
How do I log in to my Future Family account?
Existing Future Family borrowers can access their account at futurefamily.com. Your login credentials were set up during your loan application. If you have forgotten your password, use the password reset option on the login page. For account support, contact Future Family's customer service directly.
Does Future Family work with my clinic?
Future Family has partnerships with over 600 fertility clinics across the United States. Most major fertility clinic networks, including CCRM Fertility, UCSF Reproductive Health, and hundreds of independent clinics, are active Future Family partners. If your clinic is not in their network, you can still apply — Future Family can work with many clinics on a case-by-case basis.
Are there IVF grants available to reduce my Future Family loan amount?
Yes. IVF grants from non-profit organizations can reduce the amount you need to borrow through Future Family. Major IVF grants include the Baby Quest Foundation (up to $15,000), Tinina Q. Cade Foundation, and RESOLVE's Hope Award. Many Future Family patients combine IVF grants with a fertility loan to minimize total debt. Grant applications take 4–8 weeks; apply while you start your Future Family pre-screen.
Still have questions? The fastest way to get answers is to start the free pre-screen.
Check My Rate — 90 Seconds →