How Can I Pay for Fertility Treatment?

2 min read
Family-IVF-Treatment

We understand figuring out what things cost and how to pay can be overwhelming. Don’t let that confusion or uncertainty get in the way of moving forward with fertility treatment. We’ve helped countless individuals and couples budget to take the first step towards parenthood. Our caring and supportive team is here to help you.

To begin, you’ll want to determine how you’re going to pay for fertility treatment and related care such as medications, genetic testing and egg freezing services.

The good news is that fertility financing is available so that cost does not have to be a barrier to treatment and your dream of becoming a parent. For a simple way to make IVF financing more affordable, explore LendingClub Patient Solutions. The flexible payment plans include:

  • One loan for comprehensive fertility care for up to three services: IVF treatment, medication, genetic testing or egg freezing

  • No upfront payments

  • Manageable monthly payments for a range of budgets

  • Payment sent directly to your providers in one to three business days, so you can start treatment without delay or pressure to distribute funds correctly

With LendingClub Patient Solutions, you can concentrate on building a family knowing you have a way to finance comprehensive fertility care. We work with nationally recognized and regionally based pharmacies and labs to cover your comprehensive fertility care.

Try our online payment calculator—see your monthly payment in advance.

LendingClub Patient Solutions realizes you have enough on your mind as you go through IVF treatment—that’s why we make it easy to understand how much you can borrow and what your monthly payment options are. Just click the button below to try our user-friendly online payment calculator and see what’s available.

Apply for IVF financing that fits your monthly budget

Once you’re ready to apply, follow these three steps to help you choose the monthly payment option from LendingClub Patient Solutions that best fits your set budget:

  1. Work with your clinic to total all the costs not covered by insurance, including fertility treatment, medications, genetic testing, or egg freezing. This will help you determine

    how much you need to finance.

  2. Decide how much you can afford to pay monthly. Our application process allows you to make an initial review of the monthly payment options you qualify for with no impact to your credit score.

  3. Select the payment term that fits your monthly budget. The rule of thumb is the longer the payment term, the lower your monthly payment. You’ll see that payment plans offered through Lending Club Patient Solutions have terms from 24 to 84 months1 based on your loan amount and credit history.

Our online application process is quick and easy. Plus, you’ll receive an instant decision. Once you’re approved and loan documents are submitted, your fertility care providers will receive funding directly from LendingClub Patient Solutions in just one to three business days.

With fertility financing this easy, you can focus on what matters most and begin treatment without delay. To find out more, visit our fertility financing page.

See My Payment

You May Also Like

Related Resource Center
Some small businesses seem to thrive no matter what the economy is doing. What’s their secret? Here are a few business ideas to consider and tips to help you bake some resiliency into your venture.
Aug 15, 2023
6 min read
Asian man wearing blue apron looking out shop doorway with sign showing open for business in window
Before taking out a loan, it’s important to understand how the loan repayment will work and how much your monthly payments will be. With amortized loans—which includes many consumer loans—each payment gets split into an interest payment and principal payment.
Aug 21, 2021
4 min read
man considers amortization methods
Most small businesses need to obtain financing at some point, but there can be an overwhelming number of options out there. We know as a business owner you’re busy and don’t have a lot of time to spare.
Sep 17, 2017
5 min read
Group of people in a conference room discussing business finance
You’ve got plans to take your business to the next level and shore up company financials, and to do that you need an infusion of cash. How well you prepare to seek this funding — and how carefully you evaluate potential lenders — will have a major impact on your chances for success.
Apr 29, 2017
5 min read
Man in business attire with glasses staring at camera
Establishing a solid business credit history is essential when you’re applying for a business loan. It can also open doors to partnerships and better deals on purchases.
Apr 1, 2017
3 min read
Two people working on business credit at a desk
Related Impact
From groceries and diapers to Halloween costumes for pets, nearly 60% of American consumers prefer to shop online for everyday items that make life more convenient, comfortable, and enjoyable. And with rising prices showing no signs of stopping anytime soon, we’re pleased to introduce StackitTM from LendingClub Bank—a new browser extension that automatically finds and rewards eligible members with coupons and cash back for extra savings at more than 15,000 favorite online retailers.
Nov 13, 2022
2 min read
blog header stackit 765x430 v1-1
Even in today’s low-yield, high-inflation environment, it’s essential to keep a certain amount of money in an easy-to-access checking or savings account for things like daily household and emergency expenses, or to meet short-term financial goals.
Oct 2, 2022
5 min read
LendingClub Rewards Checking Nationally Certified as Trusted, Afforda
Since 2007, LendingClub has been on a mission to deliver a world-class experience to all our members. This month we took a moment to reflect on the more than four million members who have chosen LendingClub as their partner to help them reach their financial goals.
Apr 19, 2022
2 min read
Illustration of large number 4 and letter M made up of colorful, tiny illustrations of ethnically diverse people
In March 2022, we hosted our first quarterly webinar where we celebrated our one-year anniversary as a digital marketplace bank. 
Mar 6, 2022
less than a minute read
Blog-post
LendingClub completed the acquisition of Radius Bank in February 2021. At that time, in addition to the direct-to-consumer deposit business, we inherited a fintech partner program, and several lending businesses. As we reach the one-year anniversary of the acquisition, and in conjunction with the conclusion of a strategic review of our business operations, we have made the decision to discontinue certain businesses that don’t fit our mission.  
Jan 2, 2022
2 min read
Man in blue button up shirt and glasses smiling
Related FAQ's
We apply any one-time payments directly to your principal balance, reducing the total cost of financing.
Jun 7, 2023
less than a minute read
You can partially or fully prepay your loan at any time with absolutely no prepayment penalty or fee.
Jun 7, 2023
less than a minute read
Need to change the bank account you linked when you applied? You can make that change directly from your Account Summary.
Jun 7, 2023
less than a minute read
How Do I Make Changes to My Payment Date?
Jun 7, 2023
less than a minute read
If you're ready to pay off your loan, congratulations! That's a big achievement. Once you pay off your loan, you won’t owe any additional interest and your monthly payments will end.
Jun 7, 2023
less than a minute read
Related Glossary
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
Sep 6, 2023
4 min read
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 
Mar 21, 2023
4 min read
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
Mar 21, 2023
3 min read
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
Feb 7, 2023
3 min read
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
Feb 4, 2023
3 min read
Change Your Money, Change Your Life
Join our monthly newsletter for tools, tips, and insights to improve your financial health.
  

LendingClub Bank and its affiliates (collectively, "LendingClub") do not offer legal, financial, or other professional advice. The content on this page is for informational or advertising purposes only and is not a substitute for individualized professional advice. LendingClub is not affiliated with or making any representation as to the company(ies), services, and/or products referenced. LendingClub is not responsible for the content of third-party website(s), and links to those sites should not be viewed as an endorsement. By clicking links to third-party website(s), users are leaving LendingClub’s website. LendingClub does not represent any third party, including any website user, who enters into a transaction as a result of visiting a third-party website. Privacy and security policies of third-party websites may differ from those of the LendingClub website.

Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, and loan term length.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,854 for a term of 36 months, with an interest rate of 10.29% and a 6.00% origination fee of $1,191, for an APR of 14.60%. In this example, the borrower will receive $18,663 and will make 36 monthly payments of $643. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states. 

For Personal Loans, APR ranges from 9.57% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2023 and are subject to change without notice. 

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.  

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. ​Deposit accounts are subject to approval. Only deposit products are FDIC insured.

“LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.

© 2023 LendingClub Bank. All rights reserved.