Can I get a loan for just PGT testing, not the whole IVF cycle?

Yes, absolutely. Personal loans are flexible, and you can request an amount that specifically covers the cost of PGT-A, PGT-M, and the associated embryo biopsy fee. Many people finance their main IVF cycle separately or pay for it out-of-pocket, using a smaller loan like this to cover the additional cost of genetic screening.

How quickly can I get funds for embryo testing?

The process is designed to be fast because we know fertility treatments are time-sensitive. The initial rate check takes only a few minutes. If you proceed with an offer, funding can happen very quickly. Many approved borrowers receive their money directly in their bank account within one to two business days.

What credit score is needed for a PGT testing loan?

While there is no single minimum score, applicants with a credit score of 640 or higher generally have the best chance of approval and receive the most competitive interest rates. Some lending partners in our network may consider applicants with scores closer to 600, but the offered rates may be higher. Checking your rate does not impact your credit score, so it's the best way to see what you may qualify for.

Can I use the loan to pay the genetic testing lab directly?

Yes. The funds from a personal loan are deposited directly into your personal bank account. This gives you the flexibility to pay whomever you need to. You can write a check or make a payment to your fertility clinic for the biopsy fee and then make a separate payment to the genetics lab (like Igenomix, Natera, or CooperGenomics) for the screening service.

Are there prepayment penalties if I want to pay the loan off early?

The vast majority of personal loans offered through our partner network do not have prepayment penalties. This means if you receive a bonus, tax refund, or are otherwise able to pay off the remaining balance ahead of schedule, you can do so without incurring any extra fees. This is a significant advantage over some other types of loans.

Is it better to use a credit card or a personal loan for PGT?

For an expense of this size, a personal loan is often a better financial tool. Personal loans typically have lower, fixed interest rates compared to the high, variable rates of credit cards. They also have a structured repayment plan, so you know exactly when it will be paid off. Using a credit card can be risky if you can't pay it off quickly, as compounding interest can dramatically increase the total cost.

Loans for PGT Testing & Embryo Screening

Finance the crucial step of preimplantation genetic testing with a straightforward personal loan, so you can focus on building your family.

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The High, Unexpected Costs of Building a Family

Your clinic just quoted thousands for PGT, a cost you weren't fully expecting.
We provide access to simple, fixed-rate loans designed to cover these specific fertility treatment costs quickly.
Insurance considers embryo genetic testing 'elective' and won't cover a penny.
A personal loan provides the funds directly to you, bypassing insurance restrictions so you can make the best medical decision.
The clinic's in-house financing has a high interest rate or rigid payment terms.
By comparing multiple lenders, you can find a competitive rate and a repayment term that fits your actual budget.
Timing is critical, and you can't delay your cycle to save up the full amount.
Our online process is fast, with many applicants receiving funds in as little as one business day after approval.

Financing PGT: A Bridge to Peace of Mind

Preimplantation genetic testing (PGT) is a powerful tool in modern fertility treatment, offering valuable insights that can increase the chances of a successful pregnancy. However, this advanced science comes at a significant cost, often ranging from $3,000 to over $10,000, depending on the type of testing (PGT-A, PGT-M, PGT-SR) and the number of embryos. When this expense is added to the already high cost of an IVF cycle, it can feel overwhelming.

A personal loan specifically for PGT testing provides a clear path forward. It allows you to cover the full cost of the embryo biopsy and genetic screening without draining your savings or putting it on a high-interest credit card. By securing funding ahead of time, you can proceed with your treatment plan confidently, knowing the financial aspect is handled with a predictable monthly payment.

Estimating Your PGT Testing Costs

PGT-A (Aneuploidy Screening)

Per embryo or flat fee for up to 8

$3,000 - $6,000

PGT-M (Monogenic/Single-Gene Defect)

Includes probe development + testing

$5,000 - $10,000+

Embryo Biopsy Fee (Clinic Charge)

Fee charged by your fertility clinic

$1,500 - $3,000

Estimated monthly

$130/mo

Based on a $6,000 loan with a 5-year term at 11% APR.

The final cost for PGT can vary significantly. PGT-A, which screens for the correct number of chromosomes, is the most common and generally less expensive than PGT-M, which requires creating a custom test to look for a specific inherited genetic disorder. Always get a detailed quote from your fertility clinic that breaks down their fee for the embryo biopsy and the separate fee from the genetics lab that performs the screening. This total amount is what you should aim to finance.

See Your Personalized Loan Options

Find out what you could qualify for in just a few minutes, with no impact on your credit score.

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How a Personal Loan for Embryo Testing Works

Unlike a credit card, a personal loan provides a single, lump-sum disbursement that you can use to pay your clinic and/or genetics lab directly. You'll then repay the loan over a fixed period (typically 2-5 years) with a consistent monthly payment. This predictability makes it much easier to budget for your treatment. The interest rate is also fixed, meaning it won't change over the life of the loan, protecting you from the variable rate hikes common with credit cards.

These loans are unsecured, which means you don't need to provide any collateral like a car or house. Lenders make their decision based on your credit history, income, and overall financial profile. Our platform allows you to check your eligibility with multiple lenders at once, helping you find the most competitive offer without having to fill out numerous applications.

Get Funded in 3 Simple Steps

1
Complete a Short Form
Tell us how much you need to borrow for your PGT testing. This initial step is quick and won't affect your credit score.
2
Compare Your Offers
If you qualify, you'll see real loan offers from our network of lenders. Compare APRs, terms, and monthly payments side-by-side.
3
Receive Your Funds
Select the best offer for your situation, complete the final application, and once approved, funds are typically sent directly to your bank account.

Key PGT Terms to Know

PGT-A (Aneuploidy): Tests embryos for the correct number of chromosomes. Previously known as PGS (Preimplantation Genetic Screening).
PGT-M (Monogenic): Tests embryos for a specific, known single-gene disorder that runs in a family, such as Cystic Fibrosis or Huntington's Disease. Previously known as PGD (Preimplantation Genetic Diagnosis).
PGT-SR (Structural Rearrangements): Tests for specific chromosomal rearrangements, like translocations or inversions, when a parent is a known carrier.
Embryo Biopsy: The delicate procedure performed at the fertility clinic where an embryologist removes a few cells from the outer layer of an embryo to be sent for genetic testing.

Loan Terms for PGT Financing

Loan amount: $3,000 – $10,000
APR: 7.99% – 35.99%
Term: 24 mo – 60 mo

Your actual APR depends on credit score, loan amount, term, and credit history. Not all applicants will qualify for the lowest rates. All loans are subject to lender review and approval.

The terms you are offered will depend heavily on your credit profile. Applicants with higher credit scores and lower debt-to-income ratios typically receive offers for lower interest rates and more favorable terms. The repayment term you choose also affects your monthly payment; a longer term results in a lower monthly payment but means you'll pay more in total interest over the life of the loan. It's wise to choose the shortest term you can comfortably afford.

Example scenario

The quote for PGT-A on our six embryos was a shock. We didn't want to compromise, and this loan let us move forward without wiping out our savings. The process was so much easier than we expected.

Megan & Chris L.·IVF Patients, Texas

Comparing Your PGT Financing Options

When facing a significant expense like PGT testing, you have several ways to pay. While using savings is always an option, it's not feasible for everyone. Understanding the differences between a personal loan, credit cards, and clinic-specific financing can help you make an informed decision that aligns with your financial goals.

Personal Loan vs. Other Payment Methods

	Personal Loan	Credit Card	Clinic Financing
Interest Rate	Fixed, often lower than cards	Variable, often 20%+	Varies; may have high rates
Repayment	Fixed monthly payment	Variable minimum payment	Fixed, but often less flexible
Funding Speed	1-3 business days	Instant (if you have credit)	Varies by clinic process
Flexibility	Use funds for any related cost	Widely accepted	Tied to one specific provider

Find Out What You Qualify For

A few clicks can show you real numbers for your PGT loan.

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What Lenders Look For

Good to Excellent Credit: A score of 640 or higher is typically needed for the best rates, though some partners work with scores as low as 600.
Verifiable Income: You'll need to show you have a steady source of income sufficient to handle the new monthly loan payment.
Low Debt-to-Income (DTI) Ratio: Lenders check how much of your monthly income goes to existing debt payments. A lower DTI ratio improves your chances.
Established Credit History: A history of on-time payments on other credit accounts demonstrates your reliability as a borrower.
US Citizenship or Residency: Applicants must be a U.S. citizen, permanent resident, or long-term visa holder with a valid Social Security Number.

Key Considerations Before Financing Embryo Testing

Taking on debt for fertility treatment is a major decision. Approaching it with a clear plan can reduce stress and ensure you're making a sound financial choice. Here are a few things to keep in mind:

Borrow Only What You Need: Get a firm, all-inclusive quote from your clinic and the genetics lab. Resist the temptation to borrow extra 'just in case' to keep your payments as low as possible.
Account for the Monthly Payment: Before you accept a loan, make sure the monthly payment fits comfortably within your budget. Use a budget calculator to see how it will impact your finances.
Check for Prepayment Penalties: Most modern personal loans do not have prepayment penalties, but it's always worth confirming. This allows you to pay off the loan early without any extra fees if you're able to.

Frequently Asked Questions About PGT Loans

Can I get a loan for just PGT testing, not the whole IVF cycle?
Yes, absolutely. Personal loans are flexible, and you can request an amount that specifically covers the cost of PGT-A, PGT-M, and the associated embryo biopsy fee. Many people finance their main IVF cycle separately or pay for it out-of-pocket, using a smaller loan like this to cover the additional cost of genetic screening.
How quickly can I get funds for embryo testing?
The process is designed to be fast because we know fertility treatments are time-sensitive. The initial rate check takes only a few minutes. If you proceed with an offer, funding can happen very quickly. Many approved borrowers receive their money directly in their bank account within one to two business days.
What credit score is needed for a PGT testing loan?
While there is no single minimum score, applicants with a credit score of 640 or higher generally have the best chance of approval and receive the most competitive interest rates. Some lending partners in our network may consider applicants with scores closer to 600, but the offered rates may be higher. Checking your rate does not impact your credit score, so it's the best way to see what you may qualify for.
Can I use the loan to pay the genetic testing lab directly?
Yes. The funds from a personal loan are deposited directly into your personal bank account. This gives you the flexibility to pay whomever you need to. You can write a check or make a payment to your fertility clinic for the biopsy fee and then make a separate payment to the genetics lab (like Igenomix, Natera, or CooperGenomics) for the screening service.
Are there prepayment penalties if I want to pay the loan off early?
The vast majority of personal loans offered through our partner network do not have prepayment penalties. This means if you receive a bonus, tax refund, or are otherwise able to pay off the remaining balance ahead of schedule, you can do so without incurring any extra fees. This is a significant advantage over some other types of loans.
Is it better to use a credit card or a personal loan for PGT?
For an expense of this size, a personal loan is often a better financial tool. Personal loans typically have lower, fixed interest rates compared to the high, variable rates of credit cards. They also have a structured repayment plan, so you know exactly when it will be paid off. Using a credit card can be risky if you can't pay it off quickly, as compounding interest can dramatically increase the total cost.

Ready to Move Forward with Confidence?

Check your rate in minutes to see what's possible. No obligation, no impact on your credit score.

See Your PGT Loan Rates

Take the Next Step in Your Fertility Journey

A Clear Path to Covering Your PGT Costs

Making the decision to proceed with preimplantation genetic testing is a significant step, driven by the desire to give your family the best possible start. The financial component shouldn't be a barrier to accessing this valuable technology. A straightforward personal loan can provide the clarity and resources you need to move forward with your IVF and embryo screening plan without financial stress. By comparing your options, you can secure predictable funding that works for your budget, allowing you to focus on what truly matters.

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.