How quickly can I get funds for an urgent medical procedure like oncofertility?

We understand the time-sensitive nature of fertility preservation before medical treatments. The online application process is designed for speed. After submitting your initial form, you can receive pre-qualified offers in minutes. Once you select a lender and complete their verification process, funds can often be deposited into your bank account in as little as one to three business days.

Can I use a personal loan to cover annual storage fees for my frozen eggs or embryos?

Yes. A personal loan provides a lump sum of cash that you can use for any expense related to your fertility preservation journey. This includes the initial procedure, medications, and ongoing costs like annual storage fees. Many people choose to borrow slightly more than the upfront procedural cost to prepay for several years of storage, simplifying their finances and locking in peace of mind.

What happens if my treatment costs more than the initial loan amount?

It's wise to get the most accurate quote possible from your clinic. However, if costs exceed your loan amount, you have a few options. You could potentially apply for a second, smaller personal loan, though this would mean managing two separate payments. Some lenders may offer to refinance your existing loan for a larger amount, but this isn't guaranteed. The best strategy is to build a small buffer (e.g., 10-15%) into your initial loan request to cover potential overages.

Does this financing also cover the future cost of a frozen embryo transfer (FET)?

You can include the estimated cost of a future FET in your total loan request. However, since the timing of an FET can be uncertain, many people choose to finance it separately when the time comes. Personal loans are available for all stages of fertility treatment, so you can apply for a new loan specifically for your frozen embryo transfer cycle when you are ready to proceed.

Is financing available for sperm banking or cryopreservation of ovarian tissue?

Absolutely. Personal loans for fertility preservation are not limited to egg or embryo freezing. The funds can be used for any recognized fertility preservation procedure, including sperm banking (sperm cryopreservation) and the more complex cryopreservation of ovarian tissue. The application process is the same regardless of the specific medical service you require.

Will applying for a fertility preservation loan affect my credit score?

Checking your rate and seeing what offers you pre-qualify for on our platform involves a 'soft' credit inquiry, which does not impact your credit score. If you choose to proceed with an offer from a specific lender, they will then conduct a 'hard' credit inquiry as part of the final underwriting process. A hard inquiry can cause a small, temporary dip in your credit score.

Financing for Fertility Preservation

Secure a personal loan to cover the costs of egg, sperm, or embryo freezing, giving you peace of mind when you need it most.

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A diagnosis shouldn't compromise your future family.

Medical treatments like chemotherapy are time-sensitive, leaving little time to save for fertility preservation.
A personal loan can provide emergency funding in days, so you can proceed with treatment without delay.
The high, upfront costs of egg or embryo freezing are rarely covered by standard health insurance.
We connect you with lenders who offer lump-sum financing specifically for medical procedures like cryopreservation.
Clinic financing often comes with restrictive terms or high variable interest rates.
Personal loans offer predictable fixed monthly payments, making it easier to budget for your future.
You're dealing with enough stress; complex financial applications are the last thing you need.
Our simple online process lets you compare offers from multiple lenders at once, without impacting your credit score.

How a Personal Loan Secures Your Options

When facing a medical diagnosis or planning for the future, the decision to preserve your fertility is a powerful one. However, the costs associated with procedures like egg freezing, sperm banking, or embryo cryopreservation can be a significant barrier. A personal loan for fertility preservation is a dedicated financial tool designed to bridge this gap. Unlike a generic loan, it's tailored to cover the specific, and often urgent, costs of oncofertility and elective fertility procedures.

This type of unsecured loan provides you with a single, lump-sum payment directly to your bank account. You can then use these funds to pay your clinic for the entire process, from initial consultations and medications to the cryopreservation procedure itself and even annual storage fees. With a fixed interest rate and a set repayment term, you'll have clear, predictable monthly payments, allowing you to focus on your health and well-being instead of financial uncertainty. It offers the flexibility and speed that are often critical in these time-sensitive medical situations.

Your Path to Funding in 3 Steps

1
Submit One Simple Form
Our secure online form takes just a few minutes to complete. We'll ask for basic information to match you with potential lenders.
2
Compare Your Loan Offers
If you pre-qualify, you'll see offers from our network of lending partners. Compare APRs, terms, and monthly payments side-by-side.
3
Receive Your Funds
Once you select an offer and complete the final application, funds are typically deposited directly into your account within 1-3 business days.

Understanding the Costs of Fertility Preservation

The total cost of fertility preservation can vary significantly based on the procedure, your location, and your clinic. It's crucial to get a detailed estimate from your medical provider that includes all potential expenses. A personal loan can be structured to cover the full spectrum of these costs, ensuring you don't face unexpected bills during an already stressful time. Below is a typical breakdown of what these procedures can involve.

Example Cost Breakdown for One Egg Freezing Cycle

Initial Consultation & Monitoring Includes bloodwork and ultrasounds	$1,500 - $3,000
Ovarian Stimulation Medications Hormone injections for 10-14 days	$3,000 - $6,000
Egg Retrieval Procedure Includes anesthesia and facility fees	$4,000 - $7,000
Cryopreservation & Initial Storage Freezing of eggs or embryos	$1,000 - $2,000
Annual Storage Fee Ongoing cost per year	$500 - $1,000

Estimated monthly

$326/mo

Based on a $15,000 loan with a 5-year term at 11% APR.

Don't Let Costs Dictate Your Future

See what loan amount you could qualify for. Checking your rate is free and won't affect your credit score.

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Loan amount: $5,000 – $50,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. Only the most creditworthy borrowers will qualify for the lowest rates.

The flexibility in loan amounts and terms allows you to find a monthly payment that fits your budget. When considering your loan amount, be sure to account for not only the immediate procedure but also potential future costs, such as the first few years of storage or the eventual cost of a frozen embryo transfer cycle. Choosing a longer term can lower your monthly payment, while a shorter term will save you money on interest over the life of the loan.

Personal Loans vs. Other Financing Options

When facing the cost of fertility preservation, you have several options. Understanding the differences is key to making the best choice for your financial situation. While clinic financing can seem convenient, it's important to read the fine print. Personal loans often provide more transparency and predictability.

Comparing Fertility Preservation Financing

	Personal Loan	Medical Credit Card	In-House Clinic Financing
Interest Rate	Fixed APR (e.g., 8-35.99%)	Often deferred, then high variable APR (25%+)	Varies; can be high
Funds Availability	Lump sum to your bank account	Used like a credit card at provider	Applied directly to clinic bill
Flexibility	Use for any related cost (meds, travel, storage)	Limited to participating providers	Only covers services from that specific clinic
Repayment	Predictable, fixed monthly payments	Minimum payments; interest can accrue rapidly	Terms set by the clinic; may be less flexible

What Lenders Typically Look For

Fair to Good Credit: Most lenders look for a FICO score of 600 or higher. A score above 670 will generally qualify you for more competitive rates.
Verifiable Income: You'll need to show a steady source of income through pay stubs, bank statements, or tax returns to prove you can repay the loan.
Debt-to-Income Ratio (DTI): Lenders prefer a DTI ratio below 40%. This is your total monthly debt payments divided by your gross monthly income.
Positive Credit History: A history of on-time payments and responsible credit management demonstrates to lenders that you are a reliable borrower.

If your credit profile is borderline, consider applying with a creditworthy co-signer to improve your chances of approval and secure a lower interest rate.

Find Out What You Qualify For

See your potential loan options in minutes. It's fast, free, and secure.

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Example scenario

Getting the cancer diagnosis was overwhelming. The last thing I could think about was how to pay for egg freezing on such short notice. Getting a loan took that one huge stress off my plate so I could focus on my treatment. It gave me back a sense of control over my future.

Jessica M.·Oncofertility Patient

Tips for a Smooth Financing Process

Navigating medical financing can feel complex, but a few key steps can make the process much clearer and help you secure the best possible terms. Being prepared can save you time, money, and stress.

Get a Detailed Quote: Before applying, ask your fertility clinic for an itemized cost estimate. This should include medications, the procedure, anesthesia, and the first year of storage for your frozen eggs, sperm, or embryos.
Factor in Future Costs: Remember that cryopreservation involves ongoing annual storage fees. You may also want to budget for the future cost of a frozen embryo transfer (FET) cycle. Consider borrowing slightly more than the immediate procedural cost to cover these.
Check for Grants and Non-Profits: Before taking a loan, research organizations that offer financial assistance for fertility preservation, especially for cancer patients (oncofertility). A loan can cover the remaining balance.
Read the Fine Print: When you receive loan offers, pay close attention to the APR, any origination fees, and the total cost of borrowing. A lower monthly payment over a longer term will cost more in total interest.

Fertility Preservation Terms to Know

Cryopreservation: The process of cooling and storing cells, tissues, or organs at very low temperatures (cryogenic) to maintain their viability. In this context, it refers to egg, sperm, embryo, or ovarian tissue freezing.
Oncofertility: A medical field at the intersection of oncology and reproductive medicine that works to preserve the fertility of cancer patients whose treatments (like chemotherapy or radiation) may cause infertility.
Frozen Embryo Transfer (FET): A procedure in an IVF cycle where a cryopreserved embryo created in a previous cycle is thawed and transferred back into the uterus.

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Frequently Asked Questions

How quickly can I get funds for an urgent medical procedure like oncofertility?
We understand the time-sensitive nature of fertility preservation before medical treatments. The online application process is designed for speed. After submitting your initial form, you can receive pre-qualified offers in minutes. Once you select a lender and complete their verification process, funds can often be deposited into your bank account in as little as one to three business days.
Can I use a personal loan to cover annual storage fees for my frozen eggs or embryos?
Yes. A personal loan provides a lump sum of cash that you can use for any expense related to your fertility preservation journey. This includes the initial procedure, medications, and ongoing costs like annual storage fees. Many people choose to borrow slightly more than the upfront procedural cost to prepay for several years of storage, simplifying their finances and locking in peace of mind.
What happens if my treatment costs more than the initial loan amount?
It's wise to get the most accurate quote possible from your clinic. However, if costs exceed your loan amount, you have a few options. You could potentially apply for a second, smaller personal loan, though this would mean managing two separate payments. Some lenders may offer to refinance your existing loan for a larger amount, but this isn't guaranteed. The best strategy is to build a small buffer (e.g., 10-15%) into your initial loan request to cover potential overages.
Does this financing also cover the future cost of a frozen embryo transfer (FET)?
You can include the estimated cost of a future FET in your total loan request. However, since the timing of an FET can be uncertain, many people choose to finance it separately when the time comes. Personal loans are available for all stages of fertility treatment, so you can apply for a new loan specifically for your frozen embryo transfer cycle when you are ready to proceed.
Is financing available for sperm banking or cryopreservation of ovarian tissue?
Absolutely. Personal loans for fertility preservation are not limited to egg or embryo freezing. The funds can be used for any recognized fertility preservation procedure, including sperm banking (sperm cryopreservation) and the more complex cryopreservation of ovarian tissue. The application process is the same regardless of the specific medical service you require.
Will applying for a fertility preservation loan affect my credit score?
Checking your rate and seeing what offers you pre-qualify for on our platform involves a 'soft' credit inquiry, which does not impact your credit score. If you choose to proceed with an offer from a specific lender, they will then conduct a 'hard' credit inquiry as part of the final underwriting process. A hard inquiry can cause a small, temporary dip in your credit score.

Take the next step with confidence

Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.