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Access Fertility
Call us 03300 10 20 40
Contact Us
Call us 03300 10 20 40

0% Interest Finance

We offer a payment plan for patients looking to spread the cost of any Access Fertility programme

  • Borrow up to £12,000 and pay it back over 12 months
  • Nothing extra to pay beyond your initial loan value
  • Reduce the financial stress of IVF treatment
  • Please note: This 0% payment plan is not a regulated consumer credit product and is not covered by the Financial Conduct Authority (FCA). This means you will not benefit from the same protections that apply to regulated credit agreements.

Contact us to explore your options

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0% Interest Finance

0% interest on payment plans for up to 12 months

At Access Fertility we give you the option to apply for a 0% Interest Finance payment plan.

This payment plan allows you to spread the cost of your programme over a maximum period of 12 months.

This can be used to top up your own funds to pay for one of our programmes, upgrade from a multi-cycle programme, or fund the full cost of your programme with us.

You can request a maximum of the cost of your programme, up to £12,000, and the amount approved will be deducted from your programme fee.

Monthly repayments will start the month after you complete your 0% Interest Finance agreement with us.

This is not a loan from a lender. Instead, it is a direct payment arrangement with Access Fertility, where the agreed amount is used to pay your programme fee and repaid in monthly instalments.

Because this is not a regulated credit agreement, it does not provide the same consumer protections as regulated finance.

Please consider whether you can afford the monthly repayments before entering into any payment plan. If you are unsure, you may wish to seek independent financial advice.

Do I have to apply for my full programme amount?

No – you can apply for a 0% Interest Finance loan to top up your own funds, upgrade to one of our refund programmes or for your full programme fee.

How much can I apply for?

You can request a maximum of the cost of your programme, up to £12,000.

How will I know if my loan application is approved?

Our portal will allow you to track the progress of your loan application.

Will I receive any funds from Access Fertility as part of my loan 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% loan 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.

What are my options if I am not approved for a 0% Interest Finance payment plan?

If you are not approved for our 0% Interest Finance payment plan for your requested amount, you can apply for a lower amount or apply for a personal loan with our partner Kandoo.

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Access Fertility 0% interest free finance

IVF Payment Calculator

Our IVF finance solutions allow you to spread the cost of all or part of your IVF treatment and plan your journey as easily as possible.

Use the sliders to choose the amount you wish to borrow and the number of repayment months. The calculator will show you the monthly repayments for the 0% Interest Finance option – suitable for loans repayable in 12 months or less and for up to £12,000.

For amounts over £12,000 or that you’d like to pay back over more than 12 months, our partner Kandoo has an approved panel of personal lenders that provide a variety of rates depending on your individual circumstances.

You can enquire about both the 0% Interest Finance and the Kandoo loan options by filling in the contact form at the top of this page.

*This calculator is for indicative purposes only and is not an offer of finance.

0% Interest Finance

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Requested amount:

£500 £12,000

Repayment period:

Months
3 months 12 months

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Alternative finance options

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Kandoo

Flexible terms & interest rates from UK lenders

Access Fertility have partnered with Kandoo, an FCA-regulated credit broker.

This allows you to simply and quickly apply for IVF finance and gives you access to a panel of approved, third-party lenders.

Kandoo enable you to apply for loans from £500 – £50,000 with repayment periods of up to 7 years. Interest may apply to these loans

With Kandoo you can choose to borrow your full programme cost, top up your funds to afford one of our programmes or even borrow to upgrade to one of our refund programmes (if eligible).

Kandoo have a simple-to-use qualification page, which when completed displays a list of potential lenders for your requested terms or alternatives they would be willing to offer. 

If you choose to proceed with one of the offers, you complete your application with your chosen lender and, once fully approved, you will receive loan funds directly into your chosen bank account.

Please consider whether you can afford the monthly repayments before entering into any payment plan. If you are unsure, you may wish to seek independent financial advice.

Who are Kandoo?

Kandoo is a UK financial services credit broking platform. Kandoo is a trading name of Switcha Limited. Switcha Limited is authorised and regulated by the Financial Conduct Authority – FCA registration number: 828963.

Access Fertility is an Introducer Appointed Representative (‘IAR’) of Switcha Limited. FCA Registration Number: 770860. By partnering with Kandoo, Access Fertility can provide its patients access to a panel of UK lenders.

What loan terms can I apply for?

You can apply for loans between 1 and 7 years, however, terms offered will be based on your personal financial circumstances.

How much can I apply for? What will my monthly loan payment be?

Kandoo allow applications from £500 – £50,000 and loan repayments will be clearly shown in the qualification stage. 

When can I start the application process?

The application portal is only made available to patients once they have registered with us at Access Fertility so your programme fee is 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.

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How to apply

STEP 1: Register with Access Fertility
Once you’re registered as an Access Fertility patient, we'll help find the IVF treatment programme and IVF finance solution that’s right for you.
STEP 2: Apply (via your patient portal)
You have two options here:

Complete the 0% Interest Finance application in our loan portal to see if you qualify.

OR

Complete Kandoo's qualification form to establish which personal lenders you qualify with for your borrowing requirements.

(Neither of these steps affect your credit score.)
STEP 3: Offer
0% Interest Finance: Our 0% loan portal provides confirmation on your requested IVF payment plan. If approved, you will receive an email with next steps and payment pla n agreement to complete and sign electronically. Access Fertility will then use the approved IVF payment plan towards / to pay the cost of your programme fee.

Kandoo: After completing the Kandoo form, a range of loan offers from Kandoo’s approved panel of UK personal lenders will be presented back to you, based on your personal circumstances and the lenders’ affordability criteria. Select the offer that best suits your circumstances, complete the application with that lender directly and receive your loan funds directly from that lender into your chosen bank account.
STEP 4: Pay Access Fertility and start treatment
0% Interest Finance: Access Fertility will then use the approved IVF payment plan towards/to pay the cost of your programme fee. If any additional payment is required, return to our patient portal to make remaining payment for your programme. You'll now get confirmation that your treatment can start with your chosen clinic.

Kandoo: When loan funds have been received, return to our patient portal to make payment for your programme. You'll now get confirmation that your treatment can start with your chosen clinic.
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Once you’re registered as an Access Fertility patient, we’ll help find the IVF treatment programme and IVF finance solution that’s right for you.

You have two options here:

1. Complete the 0% Buy Now Pay Later (BNPL) application in our BNPL portal to see if you qualify. (This step does not affect your credit score.)

OR

Complete Kandoo’s qualification form to establish which personal lenders you qualify with for your borrowing requirements. (This step does not affect your credit score.)

0% BNPL

Our 0% BNPL portal provides confirmation on your requested IVF payment plan. If approved, you will receive an email with next steps and payment plan agreement to complete and sign electronically. Access Fertility will then use the approved IVF payment plan towards / to pay the cost of your programme fee.

Kandoo:

After completing the Kandoo form, a range of loan offers from Kandoo’s approved panel of UK personal lenders will be presented back to you, based on your personal circumstances and the lenders’ affordability criteria. Select the offer that best suits your circumstances, complete the application with that lender directly and receive your loan funds directly from that lender into your chosen bank account.

0% BNPL:

Access Fertility will then use the approved IVF payment plan towards/to pay the cost of your programme fee. If any additional payment is required, return to our patient portal to make remaining payment for your programme. You’ll now get confirmation that your treatment can start with your chosen clinic.

Kandoo:

When loan funds have been received, return to our patient portal to make payment for your programme. You’ll now get confirmation that your treatment can start with your chosen clinic.

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