Healthcare Loans
for Fertility Treatments

Low Interest  Ι  Fixed Terms  Ι  Personal Loan

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Fertility Treatments Services

Donor Eggs and Embryos

Donor eggs and embryos allow an infertile woman to carry a child and give birth

Gamete Intrafallopian Transfer (GIFT)

A method of assisting reproduction by obtaining eggs from an ovary, mixing them with sperm, and inserting them into a fallopian tube by a laparoscope

In Vitro Fertilization (IVF)

The process of fertilization where an egg is combined with sperm in a culture medium in a laboratory

Intracytoplasmic Sperm Injection (ICSI)

An IVF procedure in which a single sperm cell is injected directly into the cytoplasm of an egg

Intrauterine Insemination (IUI)

A procedure where sperm that have been washed and concentrated are placed directly in your uterus around the time your ovary releases egg(s) to be fertilized

Zygote Intrafallopian Transfer (ZIFT)

A method of assisting reproduction where eggs are fertilized in vitro and some of the resulting fertilized eggs are inserted into a fallopian tube

Fertility Financing for Borrowers

Don’t let finances stand in the way of your dreams of starting a family. PowerPay offers specialized financing solutions for fertility treatments, ensuring affordable access to the path of parenthood. Our flexible payment options make this a reality without upfront financial strain. Experience a seamless application process, quick approval, and the power of affordable fertility care with PowerPay financing. Start your journey to parenthood today.

The Benefits of Fertility Financing with PowerPay

PowerPay specializes in making the process of financing an elective procedure both fast and easy. Some of our highlights include:

  • Soft credit pulls, so there’s no impact on your credit score.
  • Ability to add a co-applicant to a loan.
  • No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
  • Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
  • Excellent customer service available to help you through every step of the process.

How to Apply

Applying for fertility financing with PowerPay is simple:

  1. Apply Online, In-Person, or Through Your Doctor: Choose the most convenient way to apply for your loan, including a personalized link through your trusted provider.
  2. Provide Basic Information and Documentation: Fill out an application form and provide basic personal information, including your treatment plan and a copy of your driver’s license for verification purposes.
  3. Sign Loan Documents: Once your application is approved, you’ll receive loan documents to review and sign electronically.
  4. Funding Your Procedure: After signing the loan documents, your doctor will receive the funds necessary to cover the cost of your procedure, ensuring a seamless experience without any delays or complications.
  5. Begin Making Payments: Within 30 days of receiving your dental procedure, you’ll start making affordable monthly payments to PowerPay. Our flexible payment options make it convenient to manage your financial obligations.

At PowerPay, we strive to provide a hassle-free financing process, empowering you to prioritize your health.

Industry best program

Up to 84 month terms, rates 9.99% to 12.99%
and max loan of $35,000

Streamlined process

Instant Decisions of Electronic loan documents
create a fast, easy flowing process

No prepayment penalties

Pay off part or all of the loan at any time
with no fees

Calculate your monthly loan payment

Term (In Months)

Interest Rate

What is fertility treatment and why do people need it?

Fertility treatment is any type of medical intervention that is used to help those who have difficulty conceiving a child.This can be due to a variety of factors, such as endometriosis, polycystic ovarian syndrome, or simply because the woman is over the age of 35. Treatments can include fertility drugs, surgery, or assisted reproductive technologies (ART) such as in-vitro fertilization (IVF). In addition to couples struggling to conceive, many seek fertility treatments in order to become pregnant with donor eggs or sperm. Additionally, there are some people who use fertility treatments in order to have a child that is genetically related to them.

Does insurance cover fertility treatments?

Typically, fertility medication and procedures are not covered by insurance. Although there are fortunate cases where individuals may receive limited coverage for a few treatment cycles or a single round of in vitro fertilization (IVF) from accommodating companies, the majority of people must pay out-of-pocket.

These treatments can be quite costly, reaching thousands of dollars. Consequently, many patients opt to alleviate some of the financial strain by seeking healthcare loans to cover the expenses.

While fertility medication and procedures are typically not covered by insurance, our financing options provide a lifeline for those seeking assistance. With PowerPay, you can secure the necessary funds to cover the expenses of fertility treatments.

Save Time.

2-minute application, instant decisions, electronic docs

Save Money.

with rates from 4.99% and up to 20-year terms, you get the lowest monthly payment

Be Happy!

make your dream home a reality- buy now and pay over time


Fertility Treatment Financing FAQs

What is fertility financing?

Fertility financing offers patients an opportunity to cover fertility treatments and associated expenses like IVF, egg freezing, surrogacy, adoption agency fees, medications and more. A fertility treatment loan ranges in APR rates anywhere from 9-24% and the best come with benefits like long term repayment options and no penalties for paying loans off early.

What are the typical costs of fertility treatment?

The expenses associated with fertility treatments can significantly vary based on various factors including the location, choice of provider, and the specific treatment required. Generally, the cost of fertility treatments can range from $500 to $15,000.

For instance, Intrauterine Insemination (IUI) procedures typically fall within the $500 to $1,000 range, while In Vitro Fertilization (IVF) treatments can cost upwards of $10,000 per cycle. The precise cost will depend on several factors; for example, fertility treatments in a major city like New York City are likely to be more expensive compared to treatments in smaller towns, and private clinics generally entail higher costs than public clinics.

Additionally, the type of treatment needed also influences the cost, with medications typically being less expensive than surgical procedures.

How can I finance my fertility treatments?

There are multiple avenues available for financing fertility treatments. You have the option to pay for the treatments using personal funds, a line of credit, or by obtaining a personal loan.

Certain fertility clinics may provide their own financing options. Another effective approach to financing fertility treatments is by utilizing a specialized service such as PowerPay. PowerPay collaborates with both patients and healthcare providers to offer dedicated loans designed specifically for fertility care.

How do I get a loan for fertility treatments?

In order to obtain a loan for fertility treatments, you will be required to complete an application and submit documentation verifying your income and expenses.

Typically, you can apply for a loan through an online lender or visit a bank or credit union. While the application process is generally uncomplicated, it is crucial to compare rates and terms from various lenders and carefully review the details in the loan agreement.

Furthermore, once your loan is approved and the funds are disbursed, it is essential to make timely payments to avoid any negative impact on your credit score.

PowerPay Fertility Treatment Financing & Loan Options FAQ

Check out the PowerPay borrower FAQ for more information about our loans, where to apply, and how the process works.