Fund your egg freezing with our 0% interest finance option
Access Fertility in partnership with Bristol Centre for Reproductive Medicine (BCRM)
Egg freezing is a method of fertility preservation which people choose for many reasons including their age, personal circumstances, medical diagnoses and gender affirmation – among others.
It provides an opportunity to give you more time and better options when thinking about your future plans to start or add to your family.
Fund your egg freezing with our 0% interest finance option
Spread your payments over 12 months
Reduce the financial stress of your egg freezing treatment
Pay for all or part of your egg freezing
Do I need to be registered with BCRM Fertility (BCRM) to start the application process?
Yes, patients need to have had their initial consultation and been given a treatment plan in order to apply.
Will I need to complete fertility tests?
Yes, patients will need to complete fertility MOT including ultrasounds scan and AMH, which will provide a greater understanding of their current ovarian reserve and fertility status. This will not be covered by the Access Fertility finance option.
What is the Access Fertility finance option?
Patients can apply for our 0% interest finance option up to a maximum cost of costed treatment plan/ egg freezing cycle up to a maximum of £12,000 per year once they have signed their consent form.
What can the 0% interest loan be used for?
The loan can only be used to cover the cost of egg freezing.
Will this include egg thaw, fertilisation and embryo transfer?
No, this will only include egg freezing. Any other services would need to be paid separately to BCRM.
Will the loan cover medication?
Yes, if medication is covered in the treatment plan this will be covered by the loan. If additional medication is needed after the loan has been agreed the cost will need to be paid directly to the clinic.
What happens if I have additional costs once I have taken out the loan?
These would need to be paid separately to your clinic as the 0% interest loan will only cover what was included in the treatment plan when the loan was taken out.
For how long will the egg freezing be covered? Do I need to use my eggs by a certain timeframe?
Access Fertility will only pay for the services covered in the patients costed treatment plan. Access Fertility has no ownership of a patient’s eggs, so they can be used whenever the patient is ready and at their own cost. Please refer to the clinic/ HFEA for egg storage laws.
Can I discard my eggs if I no longer wish to use them?
Yes, please discuss this with BCRM as they will be best able to advise you on the next steps.
Can I get a loan for more than 1 egg freezing cycle?
Yes, patients will be able to take out a second loan, provided they met the affordability criteria.
How will the clinic know the patient has been approved for a loan?
The clinic will receive an Aphrodite notification email.
Can my partner apply for 0% interest finance?
No, only the lead patient can apply for 0% interest finance.
Can I apply for a partial loan amount?
Yes, patients can loan for a maximum amount to cover their treatment plan costs. If they wish to take a lower amount they can pay the remaining amount to BCRM before they start treatment.
How long does the 0% interest finance application take?
Patients should allow up to two weeks for the application to ensure they have enough time for the loan to be approved before they start treatment.
Does the loan include the cancellation fee?
No, any cancellation fee would need to be paid to BCRM.
When do I need to have the loan in place?
The loan needs to be in place and funds cleared before you start your egg freezing cycle.
At Access Fertility we give you the option to apply for a 0% interest payment plan.
Our 0% interest offering can be paid back over a maximum period of 12 months.
Monthly repayments will start the month after you complete your 0% interest agreement with us.
How will I know if my 0% interest application is approved?
Our 0% interest portal will allow you to track the progress of your application.
Will I receive any funds from Access Fertility as part of my 0% interest finance application?
No – as the funds are to be used for the payment of all or part of your Access Fertility programme cost, the approved amount will be used to reduce / pay off your programme fee.
How is the 0% interest finance application assessed?
All IVF payment plans are assessed on the basis of patients’ personal credit circumstances. We use a credit bureau score and open banking data as part of the application process.
When can I start the application process?
The application portal is only made available to patients once they have registered with Access Fertility, so your programme fee will be known ahead of application.
Can non-UK patients apply?
No, only UK residents can apply. Applicants will need to demonstrate they live and work in the UK.
All conversations are absolutely without any obligation, and are focused on trying to answer any questions you have and to support you through your decision-making process.
Our friendly Patient Advisor Team are looking forward to helping you on your fertility journey!
08:00 – 18:00 Monday – Thursday
09:00 – 16:00 Friday
