Financing IVF & Fertility Care

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Understanding Your Financial Options

Navigating the financial side of the fertility process can be overwhelming. At the Reproductive Science Center of New Jersey (RSCNJ), our goal is to help relieve some of the stress by providing clarity and options. Our team works closely with each patient to evaluate payment options that cover care, including insurance coverage and financing programs. Whatever financial solutions you need, you can rely on our team for ongoing support and guidance.

How we can help  |  Available financing & loan programs  |  Financing FAQs

Financing IVF and Fertility Treatments: How We Help

Our billing team will meet with you before you begin treatment to answer any questions you have and guide you through your options. We prioritize transparency in our pricing, so you know what to expect before receiving fertility care.

We’ve worked with individuals and couples across New Jersey, at our fertility clinics in Eatontown, Toms River, and  Lawrenceville, to find fertility solutions that are not only effective, but also financially manageable. Ready to start your journey? Book an appointment at one of our convenient locations to learn more.

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Fertility Financing & Loan Programs

Fertility care is a personal journey. We want our patients to focus on growing their families rather than worrying about the cost of treatment. At RSCNJ, we're proud to partner with multiple third-party lenders and financial institutions to offer financing and IVF loan options. 

Whether you're considering a single treatment cycle, multi-cycle packages, or medication coverage, our team is here to help you thoroughly review your options. We'll work together to find the solution that best meets your unique needs.

PatientFi

PatientFi provides stress-free fertility financing solutions so that patients can focus on treatment and worry less about financial interruptions. Each plan is customized for the individual, with terms that fit their unique needs. All treatments are covered under one easy plan, where patients make steady, affordable payments every month. 

Key benefits include:

  • Funding up to $50,000.
  • Zero interest* plans available. (*No interest if paid in full during promotional period.)
  • APRs as low as 6.99%.
  • Extended terms out to 84 months.
  • No hard credit checks, ever.
  • No extra or hidden fees.

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BUNDL

RSCNJ proudly partners with BUNDL, a unique program that allows patients to package multiple treatment cycles together into one up-front cost. BUNDL is flexible, giving patients multiple packages to choose from, as well as custom add-ons. BUNDL understands that fertility treatment comes at a significant financial and emotional cost. Their industry-first risk protection plans offer full or partial refunds for unsuccessful treatments, subject to eligibility criteria and additional terms and conditions, so you can minimize your financial burden and focus on building your family.

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CapexMD

CapexMD offers patient financing services for all fertility treatment options, including medications and genetic testing. They provide customized loan programs with competitive rates and pre-approval within 24 hours.

With no prepayment penalties, annual fees, or impact on existing credit sources, CapexMD ensures that financial issues do not hinder your dream of having a baby.

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LendingClub

Don’t let cost be a barrier to your dreams of parenthood. Discover a more affordable way to pay for your fertility treatment and related care with payment plans offered through LendingClub Patient Solutions.

Budget-friendly payment plans offer you: 

  • A quick and simple online application that allows you to see all of your options in seconds
  • Visibility to all amounts, monthly payments, and rates you prequalify for with no impact to your credit until you select a plan and move forward
  • One monthly payment for up to three services including IVF treatment, medications, genetic testing, fertility preservation, and donor services

Complete your online application today or learn more.

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Future Family

If you plan to start your fertility journey soon, we're here to help! We’ve partnered with Future Family, which offers customized loans with competitive low-interest rates that make fertility treatments and medication costs more affordable.

Future Family believes everyone deserves access to affordable fertility treatment, which is why they offer loans up to $50,000 and funds disbursed in just a few days. Prequalifying is easy, risk-free, and won't impact your credit score. Take advantage of simplified treatment costs and easy monthly payment plans.

Find out what you're pre-approved for through The Prelude Network personalized payment choice tool!

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WINFertility

The WINFertility Treatment Program is available to RSCNJ patients who have no infertility insurance coverage or who have exhausted their benefits and are seeking alternatives.

The program offers high-quality care at the most competitive cost, allowing more people to access fertility treatments, genetic testing services (if needed), and fertility medications in a single, discounted, bundled price for each cycle. 

WINFertility offers:

  • Savings up to 40% on Treatment and Medication Bundles
  • Pay-as-you-go bundles for each single cycle
  • Single-cycle packages that include genetic testing, medical services, and medications
  • Financing options to pay over time
  • 24/7 access to FertilityCoach Nurses
  • A Second Chance IVF® Refund Program
  • No age or clinical criteria required to participate

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ARC

ARC is the nation’s largest network of fertility specialists, offering a range of affordable options for patients:

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Fertility Financing & Loans FAQs

  • The best IVF loan for you depends on your specific treatment plan and personal budget. RSCNJ collaborates with trusted lenders to offer programs customized for each patient.

  • Fertility loans operate similarly to traditional personal loans. First, you’ll apply through a lending partner. Based on your credit score and treatment plan, you'll receive a loan offer. Once approved, the lender will send the funds directly to the clinic, and you'll repay the loan in monthly installments. 

  • Yes. Fertility loans can also be used to cover IUI, egg freezing, genetic testing, and more.

  • Some of our lenders have options for patients with lower credit scores, but interest rates and terms may vary. If you have concerns about your credit score prior to treatment, please let us know, and we’ll guide you through your options.

  • We recommend applying for fertility financing as soon as your care plan is in place, so you’re financially prepared to begin treatment without delay.

Learn More About Fertility Financing with RSCNJ

You don't have to navigate the financial side of fertility care alone. We're here to support you every step of the way, answering any questions or concerns you may have. Our goal is to help you feel confident about the next steps in your fertility journey.

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