Can I get a loan just for PGT, or does it have to cover the whole IVF cycle?

Absolutely. You can apply for a personal loan specifically for the amount you need for PGT testing. Many patients have already paid for their IVF retrieval and other costs and just need financing for this specific step. Simply calculate the total cost quoted by your clinic and the genetics lab and apply for that amount.

How quickly can I get funds? My clinic needs payment soon.

The process is designed for speed. After you pre-qualify and select an offer, the final application with the lender is typically quick. Once approved, funds are often deposited into your bank account within 1 to 3 business days, allowing you to meet urgent payment deadlines from your clinic.

Does the loan cover both PGT-A and the more expensive PGT-M testing?

Yes. A personal loan is flexible. The funds can be used for any type of preimplantation genetic testing your doctor recommends, including PGT-A (for chromosomal abnormalities), PGT-M (for specific single-gene disorders), or PGT-SR (for structural rearrangements). Just be sure to apply for an amount that covers the higher cost if you are undergoing PGT-M, as it is typically more expensive.

Will applying for a PGT loan affect my credit score?

Checking your rate and seeing what offers you may pre-qualify for involves a 'soft' credit inquiry, which does not impact your credit score. If you choose to proceed with a loan offer, the lender will then perform a 'hard' credit inquiry as part of the formal application, which may cause a slight, temporary dip in your score.

What if I get the loan but end up with no embryos to test?

This is an important consideration in the unpredictable world of IVF. If you receive the loan funds but don't end up needing them for PGT, you have a few options. You can use the funds for other medical or personal expenses, or you can simply repay the loan in full immediately. Most personal loans do not have prepayment penalties, but you should always confirm this in the loan agreement.

My clinic offers financing. Why should I consider a personal loan instead?

It's always smart to compare. Clinic financing can be convenient, but it may come with higher interest rates or deferred interest clauses that can be costly if the balance isn't paid in full during a promotional period. A personal loan offers a competitive, fixed rate from the start and the funds are not tied to a single medical provider. This gives you more control and can often result in a lower total cost of borrowing.

Loans for PGT Testing

Finance the cost of preimplantation genetic testing for your IVF embryos and move forward with confidence in your IVF journey.

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The Financial Hurdle of Genetic Screening

The journey through in vitro fertilization (IVF) is emotionally and financially demanding. When your doctor recommends Preimplantation Genetic Testing (PGT) to increase the chances of a successful pregnancy, it often introduces a significant, sometimes unexpected, cost. You're already invested in the IVF process, and the price of PGT-A, PGT-M, or PGS can feel like a final, stressful barrier between you and your goal of a healthy baby. The decision needs to be made quickly, adding to the pressure.

The PGT Cost Challenge is Real

IVF is already expensive, and this is another major cost.
A personal loan provides dedicated funds specifically for PGT, keeping it separate from your other IVF expenses.
My clinic wants payment upfront, and I don't have the cash on hand.
We connect you with lenders who can provide funds quickly, often within a few business days, to meet your clinic's deadlines.
Clinic financing has high interest rates or rigid terms.
Comparing offers from multiple lenders lets you find a competitive rate and a repayment plan that fits your family's budget.
The emotional stress of IVF is high enough without adding financial worries.
Securing financing provides peace of mind, allowing you to focus on your health and the treatment process, not the bills.

How a Personal Loan Covers PGT Testing

A personal loan for PGT testing is a straightforward financing option that provides you with a lump sum of cash to cover the costs associated with embryo genetic screening. Unlike a credit card, you receive the full amount upfront and repay it in fixed monthly installments over a set period. This predictability makes budgeting for your treatment cycle much easier. The funds are deposited directly into your bank account, giving you the flexibility to pay your fertility clinic, the genetics lab, and any associated fees without delay.

These loans are unsecured, meaning you don't need to provide collateral like a car or house. Lenders make their decision based on your credit history, income, and other financial factors. This makes the process faster and simpler than other types of financing, which is crucial when your IVF timeline is a primary concern. You can use the loan to cover the full spectrum of genetic testing costs, including the embryo biopsy performed at your clinic, the PGT-A (Aneuploidy), PGT-M (Monogenic/single-gene defects), or PGS (Preimplantation Genetic Screening) analysis at the lab, and even shipping and administrative fees.

Your Financing Process in 3 Steps

1
Complete a Short Form
Tell us how much you need to borrow for your PGT testing. This initial step takes just a few minutes and won't impact your credit score.
2
Compare Your Loan Options
If you pre-qualify, you'll see potential offers from our network of lenders. Compare APRs, monthly payments, and loan terms.
3
Receive Your Funds
After selecting an offer and completing the final application with the lender, funds are typically deposited directly into your account in 1-3 business days.

See Your PGT Loan Options Now

Estimate your monthly payment without affecting your credit score.

Check Your Rate

Understanding the Cost of PGT

The cost of preimplantation genetic testing can vary significantly based on your clinic, the genetics lab they partner with, and the number of embryos you are testing. It's essential to get a detailed quote from your fertility clinic that breaks down all associated charges. Most clinics separate the fee for the embryo biopsy from the actual genetic analysis, which is billed by the lab.

Sample PGT-A Cost Breakdown (8 Embryos)

Clinic Fee for Embryo Biopsy

Can range from $1,500 to $3,000

$2,000

Lab Testing Fee (up to 8 embryos)

Often a flat fee, e.g., $250-$500 per embryo

$2,500

Shipping and Administrative Fees

Coordination and cryo-shipping

$500

Estimated monthly

$164/mo

Based on a $5,000 loan with a 3-year term at 11% APR.

Key PGT Terms to Know

PGT-A (Aneuploidy): Tests embryos for the correct number of chromosomes. This is the most common type of PGT and was formerly known as PGS.
PGT-M (Monogenic): Tests embryos for specific single-gene disorders, such as cystic fibrosis or Huntington's disease, that are known to be carried by the parents.
Embryo Biopsy: The delicate procedure performed by an embryologist at your fertility clinic to remove a small number of cells from an embryo for testing.
Euploid/Aneuploid: A euploid embryo has the correct number of chromosomes (46). An aneuploid embryo has an incorrect number, which is a leading cause of implantation failure and miscarriage.

Loan Parameters for PGT Financing

Personal loans for medical procedures like PGT offer a wide range of amounts, terms, and rates to fit different financial situations. The specific offers you receive will depend on your credit profile, income, and existing debt obligations. Comparing these parameters is key to finding the most affordable financing for your treatment.

Loan amount: $2,000 – $10,000
APR: 7.99% – 35.99%
Term: 24 mo – 60 mo

The APR you are offered will depend on factors like your credit score, application information, loan amount, loan term, and credit history. The lowest rates require excellent credit. Checking your rate will not impact your credit score.

Comparing Your PGT Financing Options

When facing a large, immediate expense like PGT testing, you have several options. While using savings is ideal, it's not always possible. Understanding the trade-offs between a personal loan, credit cards, and other financing methods can help you make a clear-headed decision during an emotional time.

PGT Loan vs. Other Payment Methods

	Personal Loan	Credit Card	Clinic Financing
Interest Rates	Fixed, often lower than cards	Variable, typically 20-30%	Can be low initially, but may have deferred interest
Payment Structure	Fixed monthly payments	Variable minimum payment	Fixed, but tied to one provider
Funding Speed	1-3 business days	Instant (if you have credit)	Varies by clinic
Flexibility	Can cover lab, clinic, and related costs	Widely accepted, but can impact credit utilization	Only for services at that specific clinic

Example scenario

Our clinic quoted us nearly $6,000 for PGT-A on our embryos, due in two weeks. We didn't have that in savings after paying for the IVF cycle. Getting a small personal loan let us say 'yes' without draining our emergency fund. It was a huge relief.

Jessica & Tom·IVF Patients, Ohio

Find out what you qualify for.

A quick check is all it takes to see your potential rates.

See My Options

Eligibility for a PGT Testing Loan

Lenders review several key factors to determine your eligibility for a personal loan. While each lender has its own criteria, they generally focus on your ability to repay the loan.

What Lenders Typically Look For

Good to Fair Credit Score: Most lenders prefer scores of 600 or higher. A score above 670 will generally qualify you for more favorable interest 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 handle the monthly payments.
Debt-to-Income (DTI) Ratio: Lenders look at your total monthly debt payments relative to your gross monthly income. A DTI below 40% is generally preferred.
Credit History: A history of on-time payments and responsible credit management demonstrates to lenders that you are a reliable borrower.

If you are concerned about qualifying on your own, some lenders allow you to apply with a co-applicant. This can sometimes help you qualify for a larger amount or a lower interest rate.

Ready to move forward with testing?

Your IVF journey is time-sensitive. Secure your financing and focus on what matters most. Start your application and we'll guide you.

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Frequently Asked Questions About PGT Financing

Can I get a loan just for PGT, or does it have to cover the whole IVF cycle?
Absolutely. You can apply for a personal loan specifically for the amount you need for PGT testing. Many patients have already paid for their IVF retrieval and other costs and just need financing for this specific step. Simply calculate the total cost quoted by your clinic and the genetics lab and apply for that amount.
How quickly can I get funds? My clinic needs payment soon.
The process is designed for speed. After you pre-qualify and select an offer, the final application with the lender is typically quick. Once approved, funds are often deposited into your bank account within 1 to 3 business days, allowing you to meet urgent payment deadlines from your clinic.
Does the loan cover both PGT-A and the more expensive PGT-M testing?
Yes. A personal loan is flexible. The funds can be used for any type of preimplantation genetic testing your doctor recommends, including PGT-A (for chromosomal abnormalities), PGT-M (for specific single-gene disorders), or PGT-SR (for structural rearrangements). Just be sure to apply for an amount that covers the higher cost if you are undergoing PGT-M, as it is typically more expensive.
Will applying for a PGT loan affect my credit score?
Checking your rate and seeing what offers you may pre-qualify for involves a 'soft' credit inquiry, which does not impact your credit score. If you choose to proceed with a loan offer, the lender will then perform a 'hard' credit inquiry as part of the formal application, which may cause a slight, temporary dip in your score.
What if I get the loan but end up with no embryos to test?
This is an important consideration in the unpredictable world of IVF. If you receive the loan funds but don't end up needing them for PGT, you have a few options. You can use the funds for other medical or personal expenses, or you can simply repay the loan in full immediately. Most personal loans do not have prepayment penalties, but you should always confirm this in the loan agreement.
My clinic offers financing. Why should I consider a personal loan instead?
It's always smart to compare. Clinic financing can be convenient, but it may come with higher interest rates or deferred interest clauses that can be costly if the balance isn't paid in full during a promotional period. A personal loan offers a competitive, fixed rate from the start and the funds are not tied to a single medical provider. This gives you more control and can often result in a lower total cost of borrowing.

Take the next step in your journey

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.