Financing IVF & Fertility Care

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Understanding Your Financial Options

We understand that fertility expenses can be a burden, so Advanced Fertility Center of Chicago has collaborated with multiple financial lenders to offer tailored solutions that cater to your needs. Our team is dedicated to providing customized payment plans designed to suit your unique situation. We are here to support you every step of the way.

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

Financing IVF and Fertility Treatments:
How We Help

At Advanced Fertility Center of Chicago, we understand that the cost of fertility care can feel overwhelming — but you don’t have to navigate it alone. Our team is here to help you explore all available financial options, from understanding the costs of IVF and other treatments to selecting a fertility financing program that aligns with your budget.

We’ve guided patients from across the Chicago metropolitan area — including Cook County, Lake County, Crystal Lake, and beyond — through the financial side of fertility treatment. Whether you’re visiting our Chicago, Gurnee, Downers Grove, or Arlington Heights locations, we’ll work with you one-on-one to provide clarity, compassion, and practical solutions.

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Fertility Financing & Loan Programs

Advanced Fertility Center of Chicago partners with trusted third-party lenders to offer a variety of fertility financing and IVF loan programs. These options can help make the cost of treatment more manageable by allowing you to pay over time with monthly installments.

Whether you're looking to finance a single treatment or multiple cycles, our team will walk you through your choices and connect you with the program that best fits your needs. We’ve helped individuals and couples across Chicago and the surrounding areas find flexible solutions that support their family-building goals.

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 that patients can make steady, affordable payments to every month.

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

Explore PatientFi

Lending Club

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.

Explore Lending Club

Future Family Financing

At The Prelude Network, we prioritize your well-being and aim to support you throughout your fertility journey. We partner with Future Family Financing to offer flexible payment plans and low interest rates for family-building goals. Get funding from $5,000 to $50,000 and a dedicated Future Family fertility financing expert to confidently support you on your loan journey.

Benefits of a Future Family Fertility Loan: 

  • Low interest rates
  • No penalties; pay off your loan early without additional fees
  • Pre-approval for funding up to $50,000 in less than 48 hours
  • Personalized loan plans for your specific fertility needs and treatments
  • Comprehensive coverage for various fertility-related costs such as medications, lab fees, and donor fees
  • Single, easy-to-manage monthly payments
  • Bill-pay management system to help you stay organized and on top of your payments throughout loan duration
  • On-demand support through a dedicated Fertility Coach who will provide personalized guidance, medication training, onboarding assistance, and be available for any questions or concerns you may have during your fertility journey
  • Friends and Family Loan Plan that enables you to have a friend or family member obtain a loan on your behalf

As part of our exclusive offering, The Prelude Network patients gain access to the Personalized Payment Choice tool and pre-approval process. To prequalify risk-free, please click on the link provided below.

Explore Future Family

Fertility Financing & Loans FAQs

  • The best loan option depends on your financial situation and treatment needs. At AFCC, we partner with lenders like Future Family, LendingClub, and PatientFi to offer a variety of plans, including fixed-rate loans, flexible payment terms, and programs that cover multiple treatment cycles.

  • Fertility loans work similarly to other personal loans. After applying through a lending partner, you’ll receive a loan offer based on your credit score and chosen treatment plan. Once approved, the funds are disbursed directly to the clinic, and you’ll repay the loan in monthly installments.

  • Yes. Many fertility loans can be used to cover additional services like IUI, egg freezing, medication, and even genetic testing. Talk to a member of our financial team to understand what’s eligible under each financing option.

  • Some lenders offer programs for patients with fair or limited credit, including co-signer options. Our team can help guide you to the most accessible and appropriate lenders based on your financial profile.

  • It’s a good idea to apply once you have a recommended treatment plan. This ensures you’re borrowing the right amount for your specific care and can begin treatment without delay.

Learn More About Fertility Financing with AFCC

We are here to answer any questions or concerns you may have so that you feel completely confident when taking the first step toward building your family.

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