Fertility Loans for Every Situation
From IVF to surrogacy, and from excellent credit to rebuilding — Future Family has a financing path for you.
What Fertility Costs Can Future Family Finance?
IVF Loans
Finance one or multiple IVF cycles. Covers retrieval, transfer, medications, labs, and genetic testing. Up to $50,000 per loan.
Egg Freezing Loans
Plans starting at $250/month for egg retrieval, medications, and annual storage. Flexible terms from 24 to 60 months.
Donor Egg / Sperm Loans
Donor fees, agency costs, and matching fees can add $20,000–$40,000 to treatment. Future Family can cover donor costs as part of a combined fertility loan.
Fertility Medications Loans
Fertility medications can cost $3,000–$8,000 per cycle. Future Family loans can cover pharmaceutical costs independently from clinic procedure costs.
Second & Third Cycle Loans
Over 90% of Future Family patients who need additional cycles choose to continue with the same platform, benefiting from existing relationships and streamlined repeat financing.
Bad Credit Fertility Loans
Some Future Family network lenders consider credit scores from 580. Income, employment stability, and debt-to-income ratio are evaluated holistically, not credit score alone.
How to Apply for Future Family Fertility Loans
The Future Family application process starts with a 90-second soft-pull pre-screen that has no impact on your credit score. You answer questions about your income, desired loan amount, and the type of fertility treatment you are planning. Within seconds, you receive an estimated loan amount and rate range from multiple lenders in the Future Family network.
If the estimated terms work for your budget, you proceed to a full application. This involves income verification (pay stubs, tax returns, or bank statements) and a hard credit inquiry. Approval decisions typically arrive within 24 hours. Once approved, Future Family coordinates directly with your fertility clinic to disburse funds within 48 hours.
Future Family Fertility Loans for All Situations
Whether you are planning your first IVF cycle, considering egg freezing to preserve fertility, or seeking financing after a previous failed cycle, Future Family's lending network can match you with appropriate options. Bad credit fertility loans are available through some network lenders accepting scores from 580. Co-signer applications can improve both approval odds and rate for applicants with lower individual credit profiles.
What to Have Ready When You Apply
- Social Security number for identity verification
- Recent pay stubs (last 2–3 months) or tax returns for self-employed
- Bank account information for payment setup
- Your fertility clinic's name and contact information
- Desired loan amount and planned treatment type
The full application takes approximately 10–15 minutes to complete after the pre-screen. Most documentation can be uploaded digitally. Future Family's application team is available by phone and email if you have questions during the process.
Fertility Loan FAQs
What is the minimum credit score for a Future Family fertility loan?
Future Family works with a network of lenders, some of which accept credit scores starting at 580. Approval depends on your full financial profile — income, debt-to-income ratio, and employment stability all factor into the decision alongside credit score. A soft-pull pre-screen in 90 seconds shows your likely options with no impact to your score.
How much can I borrow for fertility treatment through Future Family?
Future Family fertility loans go up to $50,000 per loan, covering IVF cycles, egg freezing, donor costs, medications, and related fertility procedures. Repayment terms range from 24 to 60 months. There is no down payment required and no prepayment penalty if you choose to pay off your loan early.
Does checking my rate with Future Family affect my credit score?
No. Future Family uses a soft credit inquiry for the initial rate check, which does not affect your credit score. A hard pull only occurs when you proceed to a full loan application with a specific lender. Many patients check their rate first and take time to review options before committing to a full application.
Are Future Family fertility loans available in my state?
Future Family financing is available in most US states. Eligibility and available loan products may vary by state due to lending regulations. The 90-second pre-screen will show you what products are available in your location. Residents of all 50 states are encouraged to check — even in states without IVF insurance mandates, personal fertility loans remain a primary financing option.