Understanding Your Financial Options
For many patients, the decision to pursue fertility treatment begins with hope, but financial questions often follow close behind. At Prelude, we know that because we’ve been there. We were founded by patients, for patients, and we’re committed to making the financial aspect of care as accessible, understandable, and manageable as possible.
How we can help | Available financing & loan programs | Financing FAQ
Financing IVF and Fertility Treatments: How We Help
Prelude was founded by patients who have walked this path themselves, and who know how overwhelming the financial side of fertility care can be. Costs can vary significantly depending on your treatment plan, insurance coverage, and individual circumstances, and it’s not always easy to know what to expect.
That’s why every clinic within the Prelude Network offers financial consultations early in your journey. We’ll walk you through estimated costs, review your insurance coverage, and explain all available financing options. Whether you’re exploring a single cycle of IVF or a long-term family-building plan, we’re here to help you make informed decisions with clarity and confidence.
Fertility Financing & Loan Programs
Each clinic in the Prelude Network partners with trusted third-party lenders to offer a wide range of financing options, including loans for in vitro fertilization (IVF), intrauterine insemination (IUI), egg freezing, and multicycle packages. These programs are designed to provide flexible solutions that support your goals and your budget.
Below, you’ll find a sample of the financing partners available through our U.S.-based clinics. Because each clinic has its own set of offerings and lender relationships, this list is not exhaustive and does not guarantee availability at every location. We encourage you to speak directly with your clinic’s financial team to learn more about the options that may be right for you.
No matter where you’re starting, our goal is to help you find the financial path that fits your needs and keeps you moving forward.
PatientFi
PatientFi offers fertility financing solutions designed to help patients focus on treatment without the stress of financial impact. Each plan is customized to fit individual needs, ensuring flexible terms that align with any budget. With PatientFi, fertility treatments are conveniently covered under one simple plan, with affordable monthly payments.
Key highlights 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
Visit PatientFi’s website to learn more
Bundl Fertility
The fertility journey can be complex emotionally and physically, but the financial aspect can also create strain on aspiring parents. Bundl Fertility was created by industry professionals who have all been on that journey.
By offering fertility treatment packages for a single up-front cost, Bundl makes financing treatments easier, whether you’re starting with IUI or anticipating multiple IVF retrievals. Bundl packages offer the option of financial protection to aspiring parents should their treatments be unsuccessful.* You can also customize your package to include genetic testing and egg bank access.
Visit BUNDL’s website to learn more.
Future Family Financing
Prelude is proud to partner with Future Family Financing, a national platform for family-building with flexible financial plans and concierge support services, for its U.S.-based practices. Through this collaboration, we aim to empower you with more financial options and a clear understanding of costs.
With plans that allow you to pay over 3-60 months, Future Family offers low-interest loans without any prepayment penalties, with funding from $5,000 to $50,000 in as little as 48 hours.
Our exclusive offering: Prelude patients will have access to the Personalized Payment Choice tool and pre-approval process before their new patient consultation. This means you will have financial information early on in the process, reducing the chance of surprises when navigating the cost of fertility care.
Visit Future Family’s website to learn more
Lending Club Patient Solutions
LendingClub offers flexible financing to help patients manage the cost of fertility treatments with simple, consolidated payment plans.
Highlights include:
- Loans from $1,000 to $50,000
- Terms from 24 to 84 months
- APRs as low as 3.99%
- Soft credit check for prequalification
- Funds sent directly to your clinic
- Ability to combine multiple services (e.g., IVF, medications, genetic testing) into one loan
- No upfront payment or prepayment penalties
Visit LendingClub’s website to learn more.
CapexMD Fertility Financing
CapexMD is a U.S.-based specialty lender focused exclusively on fertility financing, offering personalized support and simplified loan options to help make treatment more accessible.
Highlights include:
- Loans from $3,000 to $50,000 to cover IVF, IUI, medications, genetic testing, donor services, egg/sperm banking, and more
- Fixed interest rates and competitive terms from 6 to 60 months
- No prepayment penalties, no annual or membership fees
- Fast application and approval: apply online (~5 minutes), pre‑approval same or next business day if submitted before cutoff, and funds sent within ~2 business days directly to your clinic (and pharmacy, if needed)
- Loan Specialists often have personal IVF experience, offering empathetic concierge-level support and financial counselors to coordinate with your clinic
- High confidentiality, retain existing credit lines, and inclusive eligibility (family, friends can co‑apply)
Visit CapexMD’s website to learn more.
Fertility Financing & Loans FAQs
Learn More About Fertility Financing with Prelude
Every journey is different, and so are the financial options that support it. Connect with a Prelude clinic near you to explore personalized financing solutions, get expert guidance, and take the next step toward building your family with confidence.
