Logo

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
Credit scores are three-digit numbers ranging from 350 to 850 calculated from credit bureau-reported data that represent a snapshot of your credit health and history. A high credit score is an indicator to potential creditors there’s a higher probability you’ll repay your debt.
Aug 5, 2024
7 min read
Twenty20-294-1110x453
Using fixed, low-interest credit to refinance variable, high-interest credit card balances can be a smart financial move. This practice, known as debt consolidation, can simplify your monthly finances, make your payments more predictable, and save you money on the cost of borrowing.
Aug 1, 2024
4 min read
blog consolidatedebt
An unsecured personal loan is a loan that doesn't require you to put up any form of collateral—like a car, personal savings, or house. Unsecured loans often provide quicker access to cash than secured loans. However, unsecured loans are considered greater risk by lenders, and may have higher interest rates or lower borrowing limits.
Jul 29, 2024
7 min read
What Is an Unsecured Personal Loan?
Take control of your money and personal wellbeing with tips to recognize burnout and restore your physical, financial, and emotional health.
Jul 28, 2024
6 min read
Woman in pink blazer sitting on ground with laptop in lap next to young girl looking at documents
It's common to see the buy now, pay later (BNPL) payment option at online checkout — but should you use it? Learn what BNPL is, how it works, and alternatives for borrowing money.
Jul 26, 2024
6 min read
Woman's hands on keyboard of laptop displaying image of shopping cart and buy now, pay later text
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 offer several ways for you to make your monthly auto loan payment, so you can choose the method that works best for you. A statement will be mailed to you every month that shows the payment amount and due date.
Nov 29, 2023
less than a minute read
LendingClub provides a year-end statement that summarizes your account activity, including how much interest you’ve earned and information regarding Notes tied to loans that have been charged off.
Jun 7, 2023
less than a minute read
Once you’ve submitted your application, we’ll try to confirm your information on our own. Sometimes, you may need to submit a few documents to confirm your identity, income, or vehicle ownership.
Jun 7, 2023
less than a minute read
Once you submit your Auto Refinance application, we may ask you for additional paperwork to verify your information.
Jun 7, 2023
2 min read
If we’re not able to offer you a lending product, you're welcome to apply through one of our lending partners.
Jun 7, 2023
2 min 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 total annual cost to borrow money, including fees, expressed as a percentage.
Mar 21, 2023
3 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
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

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 $19,584 for a term of 36 months, with an interest rate of 10.29% and a 6.00% origination fee of $1,190 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, 2024 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.

© 2024 LendingClub Bank. All rights reserved.