Fertility Treatment

Financing Fertility Treatments with LendingClub


Determining the cost of care and how to pay for fertility treatment can often feel overwhelming, but you shouldn’t let confusion or uncertainty prevent you from achieving your family building goals. NYULFC is proud to partner with LendingClub, a company who has helped countless individuals take the first step toward parenthood. Together, we are here to help guide and support you through each step of the process.

After you and your physician determine the fertility treatment option that is right for you, it’s time to build a plan to finance your specific treatment and related costs like medications, genetic testing, and egg freezing services.

Financing your fertility treatment with LendingClub Patient Solutions allows you to receive the care and treatment you need on your path to parenthood without cost being an unnecessary barrier. The flexible payment plan outlined below highlights a few simple ways IVF financing can be made more affordable:

  • One loan for comprehensive fertility care for up to three services: IVF treatment, medication, genetic testing or egg freezing
  • No upfront payments
  • Fixed rates starting as low as 4.99% APR*
  • Manageable monthly payments for a range of budgets
  • Payment sent directly to your providers in 1-2 business days, so you can start treatment without delay or pressure to distribute funds correctly

LendingClub Patient Solutions allows patients to concentrate on building a family without worrying about how they will afford comprehensive fertility care. To see your monthly payment in advance, try their online payment calculator.

Patients undergoing IVF treatment have enough on their minds as they grow their family. That’s why LendingClub Patient Solutions makes it as easy as possible to understand how much patients can borrow and fully outlines each monthly payment option.

Applying for financing that fits your monthly budget

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

  1. Work with your coordinator 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. The 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. Typically, the longer the payment term, the lower your monthly payment. You’ll see that payment plans offered through LendingClub Patient Solutions have terms from 24 to 84 months* based on your loan amount and credit history.

The online application process is quick and easy with the added bonus of an instant decision. Once you’re approved and loan documents are submitted, NYULFC will receive funding directly from LendingClub Patient Solutions in just one to two business days.

Our goal is to make fertility financing as easy as possible so you can focus on what matters most and begin treatment without delay. To find out more, visit our fertility financing page.

*Rates range from 4.99% to 24.99% APR. For example, a loan for $14,000 with an 8.99% APR for 48 months will have a monthly payment of $350. Terms available based on amount financed and credit history. All Extended Plan loans made by NBT Bank, N.A., member FDIC. Please visit lendingclub.com/prelude for current rate information.