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See what fertility financing options you prequalify for in minutes, with no impact to your credit, until you select a plan and move forward.

Fertility financing made easy

A fast, simple, and more affordable way to get financing for your fertility care.
More affordable payments
Monthly payments as low as $279/month to finance $15,000 with a 9.99% APR for 72 months.

Complete coverage
One payment for up to three services including: IVF, medications, genetic testing, fertility preservation and donor services.

Direct payment
We forward payment directly to all your providers within 1-2 business days.

IVF is expensive, and LendingClub Patient Solutions made it available to us. They help make miracles happen!
– H. Grant, TX

Three simple steps

Apply from anywhere. Focus on what matters most - your treatment.
1. Choose your provider
We work with hundreds of providers nationwide.

2. Apply online in minutes
Tell us about yourself and how much you want to borrow.

3. Select and finalize your offer
Review your monthly payment, interest rate and terms. Select the option that fits best in your budget. Payments are sent to your providers directly.

Budget-friendly payments

Payment amount and interest rate will stay the same as the loan is paid off.

Use our payment calculator to estimate your monthly payment, rates, and total cost.

Payment Calculator

Term
Monthly Payment
APR
Total Cost
Longer terms up to 84 months
Enter loan amount
4.99% - 24.99% APR
Enter loan amount

Payment Calculator

Monthly Payment
As low as $272*
APR
4.99% - 24.99% APR
Total Costs
Enter a loan amount

Rates range from 4.99 to 24.99% APR. Terms available based on amount financed and credit history. All Fixed Rate Plan loans made by NBT Bank, N.A., member FDIC.