Surrogacy Loans & Financing

Many Intended Parents apply for surrogacy loans and financing to pay for surrogacy treatment. The loans are personal or medical loans.

National nonprofit organizations such as RESOLVE: The National Infertility Association and Fertility Within Reach have published lists of financing companies that offer loans specifically for infertility medical treatment or surrogacy.

These loans are not necessarily dependent on you seeking care from a specific fertility clinic or having collateral, such as a house. Allowing patients to use their preferred doctor or clinic is an important consideration.

The companies providing the loans will determine the interest rate you pay based on your credit score. You can repay the loan in installments over a fixed period. Many loans don’t have fees.

Most of the companies listed have an online application and a quick approval process. They vary in the range of loan amounts and the specifics of the medical services that patients can use the money.

Many Intended Parents use the loans as a bridge before they obtain other funds to pay for treatment.

This is not an all-inclusive list of surrogacy and infertility loan providers. If you know other resources, please let us know.

Ally Lending

Ally Lending fertility financing solutions covers costs for IVF, genetic testing, egg freezing, and medications. Patients can pre-qualify without impacting their credit score and won’t incur a prepayment penalty.

SoFi Medical Financing

You can borrow between $5000 to $100,000 for IVF as a personal loan paid back in installments with interest.

Medical Loan Financial

Medical Loan Financial provides medical financing up to $100,000. It offers no prepayment penalty and some interest-free incentives.

Medical Financing

Medical Financing offers loans from $1000 to $35,000 for infertility treatment.

EggFund Fertility Loans

Egg Fund offers loans at favorable rates for IVF, egg donation and surrogacy provided at the fertility provider of your choice as long as the patient has a good credit score (660 minimum).

If you have questions about the cost of surrogacy at CACRM, please don’t hesitate to contact Maggie Rodriquez, CACRM’s financial manager.

For more information about how to pay for surrogacy, please refer to these blogs:

Corporate Surrogacy Benefits

Surrogacy Self-Financing