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Financing Options

Our Financial Advantages

Providing support in helping your dream come true
RSMC’s goal has always been to make fertility care accessible to everyone. This is why we always strive to give you the best pricing while being fully transparent about the costs you could potentially be facing.

FAQs

We are here to answer your questions.

Pharmaceutical Discount Programs

To help you reduce medication costs
When researching IVF costs, it’s essential to be sure the IVF pricing is inclusive of medications. We understand that medication costs are vital when undergoing fertility treatment, especially depending on your insurance coverage. Many patients are surprised to learn that, for most, IVF costs with insurance are often similar to self-pay programs offered by IVF clinics. To help reduce the financial strain of IVF costs when planning your cycle, we proudly participate in the following prescription discount programs, providing eligible patients between 5% – 75% in discounts. We encourage you to consider applying for all of these programs.
Please let us know which company approves you so that we can order from that pharmacy.

Fertility Financing Information

You have more options than you think

When seeking financing assistance, the IVF loan amount a patient can qualify for will be based on several factors such as credit score, gross earnings, earnings to debt ratios, length of employment, homeownership, etc.

The interest rates may change time to time. We recommend contacting the providers to learn about the details before applying.

CapexMD

CapexMD specializes in patient financing services for all fertility treatment options. The vast majority of their Loan Specialists have gone through the IVF journey.

Through our partnership with CapexMD, we are able to offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.

Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.

Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed.

Together with CapexMD, we can make sure financial issues do not get in the way of your dream of having a baby.

Some of CapexMD’s many advantages include:

  • Specialist in Fertility Financing
  • Highly Competitive Rates
  • Approval within 24 Hours
  • Highest Confidentiality
  • No Prepayment Penalties
  • Personal Attention
  • Easy and Secure Online Application
  • Flexible Terms
  • No Annual Fees
  • Retain Your Existing Credit Sources
Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414. Apply Now

Future Family

To make paying for treatment simpler, we’ve partnered with Future Family to offer 0% APR financing as well as low monthly payment plans*. Future Family loans are a smart alternative to high-interest credit cards and dipping into savings. Prequalifying is easy, and won’t affect your credit score.

Future Family covers all fertility-related treatments including:

  • IVF Cycle Costs
  • Egg Freezing
  • IUI Cycle Costs
  • Egg or Sperm Donor
  • Gestational Carriers
  • LGBTQ Family Building
  • Medications
  • PGT Testing & Analysis
  • Reciprocal IVF
  • Surrogacy
See what you’re pre-approved for today!  

PatientFi

Friendly Monthly Payment Plans

Move over, cost barriers. PatientFi’s friendly payment plans make fertility treatment more affordable so you can say yes to what you want today and pay over time.

Higher Approvals Higher Amounts

We see patients as people, not their credit scores. We look at the whole picture so we’re able to approve more patients for financing—and for higher amounts.

Fast, Simple, and Easy

PatientFi is fully digital and incredibly simple to use. And, our services are backed by real people who really care about your experience. We’re not just wallet-friendly and user-friendly—we’re actually friendly.

Highlights

  • Soft credit check
  • No hidden fees (membership, origination, prepayment, etc)
  • Immediate approval and practice receives funding next day
  • They pay all bills and loan can be used to pay for all treatment costs (meds, IUI/IVF, PGT, 3rd party)
  • Revolving line of credit

Details

  • Loan amounts: $200 - $40,000
  • Credit score: 620+
  • Terms: 12 - 84 months
  • Interest rates: 6.99% - 28.99%*
Payment calculator: https://app.patientfi.com/v2/payment-calculator Apply Now

Prosper Healthcare Lending

Prosper makes IVF loans easy. From the comfort of your living room, answer a few questions, and get your lowest eligible rate instantly. Select the offer with the terms that work best for you, and the money will be sent directly to your account within three days. (Please include provider number 032700 when you apply)

Highlights:

  • Soft credit pull
  • Easy qualification in 2 minutes
  • Loans are sent directly to You

Details:

  • Loan amounts: $2,000 - $35,000
  • Credit score: 640+ & no negative impacts
  • Terms: 36 & 60 months
  • Interest rates: 5.95% - 19%
Learn More

Prosper Home Equity Line of Credit (HELOC)

Home Equity Lines of Credit (HELOC) are loans that allow you to borrow against the equity you’ve built in your home. To determine your home's equity, you take the difference between your home's value and your mortgage balance. HELOC's often have much lower rates of interest than other loans, such as a personal loan, which are considered unsecured. With a HELOC, it’s crucial to understand that your home acts as "collateral," securing the line of credit (also known as a "secured" loan).

Highlights:

  • Use as needed and pay everything off early
  • Enjoy a year draw period, in which you can make interest-only monthly payments to enable you to borrow additional money during the draw period
  • Variable-rate or ability to lock in a fixed rate
  • Bank paid closing costs

Details:

  • Loan amounts: a maximum of 80% of the home’s value, less your current mortgage balance
  • FICO Credit score: 660+ & debt-to-income ratio of 50% or better
  • Terms: up to 15 years for repayment
  • Interest rates: 3.49% - 10.35% Variable APR
Learn More

LightStream

LightStream offers  low-rate, no-hassle, and virtually paperless IVF loans to borrowers with good to excellent credit. They are not FICO score driven and believe there is no single definition for "good credit." However, they find individuals with good credit usually share the following characteristics:
  • A credit history including a variety of account types: major credit cards, vehicle loans, mortgage debt, etc
  • A good payment history, ideally without delinquencies
  • An ability to save, demonstrated by some or all of the following: liquid assets (stocks, bonds, etc.), down payments on real estate, retirement savings, and manageable revolving credit card debt
  • Stable and sufficient income and assets to repay current debt obligations and any new IVF loan with LightStream
  • Ultimately their determination of good credit is based on whether they conclude that there is a very high likelihood that you will repay the loan in a full and timely manner

Details:

  • Loan amounts: $5,000 to $100,000
  • Credit scores:
    • not FICO score driven (see above qualifiers)
    • Loans $20,000 - $100,000 need a credit score of 740+ and requiry a hard inquiry for approval
  • Terms: 24 months to 144 months
  • Interest rates: 3.49% to 19.99%* APR with autopay
Learn More

Lending Club

Lending Club Patient Solutions offers flexible payment plans with easy to calculate monthly payments. To learn more, simply fill out a short application and immediately view fixed rates and monthly payments you are eligible for, all without impacting your credit score.

Highlights:

  • Low fixed-rate plans & low monthly payments that stay the same over the life of the loan
  • Patient-friendly, no-interest plans with no retroactive interest
  • No upfront payments
  • No prepayment penalty

Details:

  • Loan amounts: $2,000 - $40,000
  • Credit score: 650+ & no negative impacts
  • Terms: up to 60 months
  • Interest rates: 4.99% - 24.99% (26.99% beyond 60 months)
Learn More

Comerica Bank (0% Interest Credit Cards)

Highlights:

  • Only applicable to CA, AZ, TX, FL, MI states
  • No collateral required
  • Quick access to funds

Details:

  • Loan amounts:  Up to $25k
  • Interest rates: 0%
Contact
  1. Mike Smith | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. MSSmith@comerica.com 
  2. Dave Sandak | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. DSandak@comerica.com
View Details

Comerica Bank (HELOC)

Highlights:

  • Only applicable to CA, AZ, TX, FL, MI states
  • Low, competitive rate
  • Borrow as you need on a revolving basis

Details:

  • Loan amounts:  Up to $500k
  • Interest rates: 5.49%
Contact
  1. Mike Smith | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. MSSmith@comerica.com 
  2. Dave Sandak | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. DSandak@comerica.com
View Details

Comerica Bank (Business Lines of Credit)

Highlights:

  • Only applicable to CA, AZ, TX, FL, MI states

Details:

  • Loan amounts:  Up to $200k
  • Interest rates: Variable
Contact
  1. Mike Smith | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. MSSmith@comerica.com 
  2. Dave Sandak | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. DSandak@comerica.com
View Details

First Republic Bank Personal Lines of Credit

Highlights:

  • Only applicable to the states of CA, OR, WA, WY, FL, MA, CT, NY. *Must be located near one of their locations.
  • Low fixed rates
  • Interest only on what you draw for the first two years
  • Zero origination fees
  • Zero prepayment fees

Details:

  • Loan amounts:  Up to $200k
  • Credit score:  680+
  • Terms:  15 years
  • Interest rates: 3.95–5.45%
View Details

First Republic Bank HELOC

Highlights:

  • Only applicable to the states of CA, OR, WA, WY, FL, MA, CT, NY. *Must be located near one of their locations.
  • Low fixed rates
  • Interest only on what you draw for the first two years
  • Zero origination fees
  • Zero prepayment fees

Details:

  • Loan amounts:  Up to $200k
  • Interest rates: 3.95–5.45%
View Details

SoFi Personal Loans

Highlights:

  •  Fixed personal loan rates
  •  Same day on loan approval
  •  Zero origination fees
  •  Zero prepayment fees

Details:

  • Loan amounts:  $5K- $100K
  • Credit score:  650+
  • Terms:  84 months
  • Interest rates: 7.99% APR to 23.43% APR
View Details

Before starting your IVF financing journey, we recommend you get an idea of your current credit score by creating a free Credit Karma account. This account will allow you to check your credit score, explore personalized credit cards and IVF loan options. Your credit score will also guide you through the lending options below. If you get stuck or have a question, please reach out to our Financial Coordinator  – we’re happy to help guide you with any infertility financing questions.

Need more info?

Email us at family@fertile.com if you have any questions before signing up for a consultation. Our expert team is happy to assist you.