Can I get a loan to cover multiple egg freezing cycles?

Yes. When you apply for a personal loan, you request a specific amount. It's wise to estimate the potential cost of two cycles if your doctor suggests it might be necessary. This gives you the financial flexibility to proceed with a second cycle without needing to re-apply for another loan.

Does the loan cover the annual storage fees for my frozen eggs?

A personal loan provides a lump sum of cash, which you can use for any costs related to the process. You can budget a portion of the loan to prepay for several years of storage, or you can use the funds to cover the first year and then budget for the annual fee yourself. This flexibility is a key benefit.

How much should I borrow for egg freezing?

The total amount depends heavily on your clinic's pricing, location, and specific medical needs. We recommend getting a detailed cost estimate from your fertility clinic first, including the procedure, medications, and storage. It's often a good idea to borrow slightly more than the initial estimate to cover any unexpected expenses.

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

It depends on your situation. Medical credit cards may offer a 0% introductory APR, which is appealing. However, if you don't pay off the balance in time, the deferred interest can be very high. A personal loan offers a fixed interest rate and a predictable monthly payment over a set term (e.g., 3-7 years), which many people find easier to budget for a large expense.

Will applying for an egg freezing loan affect my credit score?

Checking your rate through our platform involves a 'soft' credit inquiry, which does not impact your credit score. If you choose a loan offer and proceed with a formal application with a lender, they will perform a 'hard' credit inquiry, which may cause a slight, temporary dip in your score.

How quickly can I get funds for my fertility preservation procedure?

The process is designed to be fast. After you select a loan offer and complete the final verification steps with the lender, funds are typically deposited into your bank account within 1 to 5 business days. This allows you to pay your clinic promptly and move forward with your treatment schedule.

Can I use a personal loan if I have some fertility treatment insurance coverage?

Absolutely. Many insurance plans have high deductibles, co-pays, or don't cover all aspects of the treatment, like long-term storage or certain medications. A personal loan can be an excellent tool to cover these out-of-pocket expenses that your insurance doesn't pay for, ensuring you don't have to delay treatment due to gaps in coverage.

Egg Freezing Financing

A personal loan can help you invest in your future fertility by covering the high costs of egg freezing, from the initial procedure to annual storage.

Check your rate

The high cost of egg freezing can feel like a barrier to your future.

My insurance doesn't cover elective fertility preservation.
We connect you with lenders who offer financing for medical procedures not typically covered by insurance plans.
The total cost is unpredictable, with multiple fees for consultations, procedures, and storage.
A personal loan provides a lump sum upfront, giving you clarity and control over your budget for the entire process.
Saving up could take years, and timing is a critical factor for fertility.
Financing allows you to proceed with egg freezing on your timeline, not your savings account's.
Clinic payment plans can be rigid and have high interest rates.
Personal loans offer competitive rates and flexible repayment terms that can be tailored to your financial situation.

Secure Your Future with a Fertility Preservation Loan

Deciding to freeze your eggs, a process also known as oocyte cryopreservation, is a significant step toward taking control of your reproductive future. However, the cost can be a major hurdle. A personal loan for egg freezing provides a straightforward way to finance the entire procedure, from initial consultations and medications to the retrieval and long-term storage. Unlike other financing options, a personal loan gives you a single, upfront sum of cash, empowering you to manage the costs without draining your savings or delaying your plans.

This financing solution allows you to consolidate all expenses into one predictable monthly payment. It's a flexible tool designed to bridge the gap between the high cost of fertility preservation and your ability to pay, ensuring that financial constraints don't dictate your personal timeline.

How a Personal Loan for Egg Freezing Works

A personal loan for egg freezing is an unsecured installment loan. 'Unsecured' means you don’t have to put up any collateral, like a car or house, to get the loan. 'Installment' means you'll pay it back in equal monthly payments over a predetermined period, typically ranging from two to seven years. This structure provides predictability that is essential when managing a large expense.

Once your loan is approved, the funds are deposited directly into your bank account as a lump sum. You can then use this money to pay for any and all costs associated with the egg freezing process. This includes not just the main egg retrieval procedure, but also the expensive fertility medications, doctor consultations, necessary bloodwork and ultrasounds, anesthesia, and even the first few years of annual storage fees. This comprehensive coverage is a key advantage over some clinic-specific payment plans that may not cover external costs like medications from a specialty pharmacy.

Your Path to Financing in 3 Steps

1
Check your rate online
Fill out our short, secure form with some basic information. This initial step is a soft credit inquiry and will not impact your credit score.
2
Compare your loan options
If you pre-qualify, you'll see potential loan offers from our network of lending partners. You can compare APRs, terms, and monthly payments to find the best fit.
3
Receive your funds
After selecting an offer and completing the final application with the lender, funds are typically deposited directly into your account within a few business days.

Ready to See Your Options?

Get personalized loan offers in minutes without affecting your credit score.

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Understanding the Full Cost of Freezing Your Eggs

One of the most common questions is, 'how much does it cost to freeze eggs?' The answer varies significantly based on your clinic, geographic location, and individual medical needs. A single cycle can range from $8,000 to over $20,000 when all components are factored in. It's crucial to get a detailed estimate from your fertility clinic before determining how much you need to borrow.

Example Cost Breakdown for One Egg Freezing Cycle

Initial Consultation & Testing Varies by clinic	$500 - $1,500
Ovarian Stimulation Medications 10-14 days of injectable hormones	$3,000 - $6,000
Egg Retrieval Procedure Includes monitoring, anesthesia, and physician fees	$6,000 - $10,000
First Year of Egg Storage Annual cryopreservation fee	$500 - $1,000

Estimated monthly

~$326/mo

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

Keep in mind that some women may need more than one retrieval cycle to obtain an optimal number of eggs for future use. Additionally, annual storage fees are an ongoing cost for as long as you keep your eggs frozen. Factoring these potential long-term costs into your financing plan is a wise strategy.

Loan amount: $5,000 – $25,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Your actual APR will depend on factors like your credit score, requested loan amount, loan term, and credit history. Checking your rate will not impact your credit score.

Comparing Egg Freezing Financing Options

When considering how to pay for egg freezing, it's helpful to weigh the pros and cons of different financing methods. A personal loan offers a unique combination of flexibility and predictability that sets it apart from other common choices.

Personal Loans vs. Other Payment Methods

Feature	Personal Loan	Medical Credit Card	Clinic Payment Plan
Interest Rate	Fixed, typically 8-35.99%	Often a 0% intro period, then 25%+	Varies widely; can be high
Use of Funds	Flexible; covers all related costs	Usually restricted to medical expenses	Strictly for clinic's services
Repayment Term	Predictable monthly payments (2-7 years)	Variable, based on balance	Often shorter, less flexible terms
Funding	Lump sum to your bank account	Direct payment to provider	Internal billing arrangement

Find the Right Fit for Your Budget

Compare loan terms and monthly payments from multiple lenders.

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Qualifying for an Egg Freezing Loan

Lenders assess several factors to determine your eligibility and the rates they can offer. While requirements vary between lending partners, a strong application generally includes the following attributes.

Common Lender Requirements

Good to Excellent Credit: A credit score of 640 or higher is typically needed for the most competitive rates. Some partners may consider scores as low as 580.
Verifiable Income: You'll need to show a steady source of income through documents like pay stubs, tax returns, or bank statements to prove you can repay the loan.
Low Debt-to-Income Ratio (DTI): Lenders want to see that you can comfortably manage a new loan payment. A DTI below 40% is generally preferred.
Credit History: A longer credit history with a consistent record of on-time payments demonstrates financial responsibility and can strengthen your application.

To improve your chances of approval, consider checking your credit report for errors and paying down credit card balances to lower your credit utilization.

Key Considerations Before You Borrow

Financing fertility preservation is a major financial decision. To ensure a smooth process and avoid common pitfalls, keep these points in mind:

Account for All Costs: Budget for more than just the retrieval. Include medications, the potential for a second cycle, and at least 5-10 years of storage fees in your total loan amount.
Understand the Full Loan Terms: Before signing, carefully read the loan agreement. Look for any origination fees, which are deducted from the loan proceeds, or prepayment penalties if you plan to pay it off early.
Don't Overextend Yourself: Even if you qualify for a larger loan, choose a monthly payment that fits comfortably within your budget to avoid financial stress down the road.
Plan for the Future: Remember that using the frozen eggs in the future for IVF will incur additional, significant costs. This initial loan is for the preservation step only.

Frequently Asked Questions About Egg Freezing Financing

Can I get a loan to cover multiple egg freezing cycles?
Yes. When you apply for a personal loan, you request a specific amount. It's wise to estimate the potential cost of two cycles if your doctor suggests it might be necessary. This gives you the financial flexibility to proceed with a second cycle without needing to re-apply for another loan.
Does the loan cover the annual storage fees for my frozen eggs?
A personal loan provides a lump sum of cash, which you can use for any costs related to the process. You can budget a portion of the loan to prepay for several years of storage, or you can use the funds to cover the first year and then budget for the annual fee yourself. This flexibility is a key benefit.
How much should I borrow for egg freezing?
The total amount depends heavily on your clinic's pricing, location, and specific medical needs. We recommend getting a detailed cost estimate from your fertility clinic first, including the procedure, medications, and storage. It's often a good idea to borrow slightly more than the initial estimate to cover any unexpected expenses.
Is it better to use a personal loan or a medical credit card?
It depends on your situation. Medical credit cards may offer a 0% introductory APR, which is appealing. However, if you don't pay off the balance in time, the deferred interest can be very high. A personal loan offers a fixed interest rate and a predictable monthly payment over a set term (e.g., 3-7 years), which many people find easier to budget for a large expense.
Will applying for an egg freezing loan affect my credit score?
Checking your rate through our platform involves a 'soft' credit inquiry, which does not impact your credit score. If you choose a loan offer and proceed with a formal application with a lender, they will perform a 'hard' credit inquiry, which may cause a slight, temporary dip in your score.
How quickly can I get funds for my fertility preservation procedure?
The process is designed to be fast. After you select a loan offer and complete the final verification steps with the lender, funds are typically deposited into your bank account within 1 to 5 business days. This allows you to pay your clinic promptly and move forward with your treatment schedule.
Can I use a personal loan if I have some fertility treatment insurance coverage?
Absolutely. Many insurance plans have high deductibles, co-pays, or don't cover all aspects of the treatment, like long-term storage or certain medications. A personal loan can be an excellent tool to cover these out-of-pocket expenses that your insurance doesn't pay for, ensuring you don't have to delay treatment due to gaps in coverage.

Have a Plan in Place?

Find out what you qualify for and take the next step in your fertility journey.

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Invest in Your Future, On Your Terms

Choosing to freeze your eggs is a powerful, proactive decision about your future. Financing that decision shouldn't be a source of stress. A personal loan provides a clear, manageable path to cover the costs, empowering you to take control of your reproductive timeline. With a straightforward application and funding process, you can focus on what matters most—your health and your future family. Find out today what financing options are available to you.

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.