Fertility Treatments Loans Made Easy

$0 Merchant Fee Options Available to Save You Money!

Offering low payment options for fertility treatments is easy, simple and fast with PowerPay!

  • $0 merchant fees
  • 12 to 72 month terms
  • 6 to 24 month promo offers
  • 9.99% APR
  • Greater case acceptance
  • Approvals up to $60,000
  • No prepayment penalties

Fertility Treatments Services

Donor Eggs and Embryos

Offer financing to your patients for donor eggs and embryos.

Gamete Intrafallopian Transfer (GIFT)

Offer financing for egg fertilization through gamete intrafallopian transfer.

In Vitro Fertilization (IVF)

Offer financing to your patients for in vitro fertilization (IVF).

Intracytoplasmic Sperm Injection (ICSI)

Offer fertility treatment loans for intracytoplasmic sperm injections.

Intrauterine Insemination (IUI)

Offer fertility treatment loans for intrauterine insemination.

Zygote Intrafallopian Transfer (ZIFT)

Offer fertility treatment loans for zygote intrafallopian transfer.

Offering Financing to Fertility Patients

Fertility treatment can be expensive, often costing several thousand dollars per cycle. For patients who are unable to pay for fertility treatments out-of-pocket, financing can be a great option. There are a number of fertility financing companies that offer loans specifically for fertility care. These companies typically work with both patients and providers to make sure that the loan process is as smooth as possible.

What are the benefits of fertility financing with PowerPay?

Fertility financing can be a great option for patients who are unable to pay for fertility treatments out-of-pocket. Some of the benefits of PowerPay include:

  • No hidden fees or HCP/office fees
  • Help patients get the surgeries/procedures they need more affordably
  • Instant payment for providers, so there is no chasing around patients for payment
  • Quick and easy application process

How do my patients benefit from financing with PowerPay?

There are many benefits for patients when they choose to finance their fertility treatments. Some of these include:

  • No upfront costs. Patients can get the care they need without having to pay any upfront costs.
  • Lower interest rates and flexible repayment terms. 
  • Receive services not covered by insurance. Patients will be able to afford more expensive fertility procedures and treatments.

How It Works 

We know how much you do as a healthcare provider and business owner — that’s why we pride ourselves on making the enrollment process as simple as possible. Once you enroll your business with PowerPay, our team will begin training you and you will be able to offer loans to your patients. We also provide a number of resources to help your business get started, including mobile links, printed guides, excellent customer service, marketing assistance and even on-demand assistance for any loan.

Once your team has been approved and trained, your patients can apply directly for a loan via our website or yours by simply clicking a link. Our team will review their application within 24 hours and then assist with loan product selection, including collection of identity, all necessary loan documents, process of stipulations for any applications that might need more work, and funding. For more support, we have a team on stand-by from 8 AM – Midnight (EST) everyday!

PowerPay’s Concierge service is also available for any healthcare professionals new to patient financing, or who simply need additional resources to help manage the loan process. With Concierge, your practice will have a dedicated personal finance manager to handle all of the tedious tasks involved in the loan process for you.


of Americans have less than $600 in savings.


of dealers report financing increases their average sale.


of cardholders feel promotion financing makes their larger purchases affordable.

Why should I offer fertility financing at my practice?

There are many benefits to offering financing to your patients. To name a few:

  • Grow your client base. Offering loans can help you attract new patients who may not have been able to afford fertility care otherwise.
  • Increase customer satisfaction. By offering financial support, you can make it easier for your patients to get the treatment they need.
  • Improve cash flow. Offering loans can help improve your practice’s cash flow by providing you with payment upfront.
  • Provide more expensive treatment. By removing the obstacle of finances for your patients, they will be able to consider more advanced procedures that were otherwise out of reach.

Why might a patient need to finance fertility care? 

There are a multitude of reasons why a patient may not be able to afford their care. While some insurance plans cover fertility drugs and diagnostic testing, others consider fertility related treatment to be elective. Patients may not be able to afford the costs out of pocket or upfront. It is important to offer alternative methods of payment so that patients are able to receive the care that they need.

Other Payment Options 

In addition to loans, there are other financing options available to help patients afford fertility treatment. Some of these include:

  • Using a line of credit
  • Insurance
  • Credit Cards
  • Savings

Based on your patient’s unique financial situation, they should choose the payment method that works best for them. By offering healthcare financing as an option, you can give your clients another means to ensure they are able to receive care.

Win More.

Close more sales by focusing on low monthly payments

Keep More.

Eliminate paying fees to banks and finance companies

Earn More.

No more compromising on price – upsell the project your customer really wants.


Fertility Treatment Financing for Medical Professionals FAQs

What is fertility treatment financing?

Fertility treatment financing helps cover the cost of fertility medications or other treatments for couples who are having trouble conceiving. Financing for fertility treatments can be obtained from a variety of sources, including banks, credit unions or medical finance companies and online lending partners. It’s important to shop around for the best interest rates and repayment terms to offer your patients. And be sure to read the fine print so you know exactly what your patients are getting into.

If patients apply for fertility loans, will it impact their credit?

It depends on the loan provider and how they check credit. Some fertility loan providers only do a soft credit check, which won’t affect your patient’s credit score. Others do a hard credit check, which will impact their score. It’s important to read the terms and conditions of any fertility loan you’re considering for your patients very carefully to make sure you understand how your patient’s credit score could be affected. If you have any questions, don’t hesitate to reach out to the lender for more information.

What type of information will my patients need to provide to apply?

In order to apply for a loan, your patients will typically need to provide a series of personal information including their Social Security number, Employer Identification Number (EIN), and date of birth. They will also need to provide information about their income, such as how much money they make each month, and information about their debt, such as how much money they owe on credit cards or in student loans. Finally, they will need to provide information about their assets, such as the value of their home or the amount of money they have in savings.

How long is the loan approval process for fertility treatment loans?

The shortest loan approval process for fertility treatment loans is near instantaneous, some are also only one day, while the longest approval time frame can be as long as two weeks. Most lenders will approve a loan within a few days, and the best lenders can provide approval in as little as 60 seconds.

Offering Patient Financing for Fertility Treatments with PowerPay FAQ

Visit the PowerPay FAQ for help related to offering patient financing for fertility treatments, as well as answers to other frequently asked questions.