Help pay for your egg freezing treatment with our interest free finance option
To find your nearest clinics, please enter your city or postcode.
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.
The chances of conceiving and having a healthy baby is very dependent on a woman’s age. Egg freezing provides the opportunity for women to store eggs at the age and quality they are at the time of their treatment. Women may wish to consider egg freezing if they are currently not ready for a pregnancy, or their fertility is at risk due to certain medical conditions which may affect the quality or quantity of their eggs.
Whatever your circumstances are for wanting to freeze your eggs, one thing is certain – the best time to freeze your eggs in when you are in your 20s or early 30s. This is when the quality of your eggs is at its best, and when you produce the highest quantity of eggs to give you the best chance of a future pregnancy.
The younger you are, the higher quantity and better quality of eggs you would expect to have.
The Access Fertility egg freezing finance option is designed to help reduces the financial stress of your egg freezing treatment. It means you can:
Do I need to be registered with a fertility clinic 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 any 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 egg freezing 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 then clinic.
Will the loan cover medication?
Yes, generally if medication is included in the treatment plan this will be covered by the loan, however this can vary by clinic so it’s best to confirm this with our Patient Advisor team. 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 the 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 the clinic 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 meet 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 the clinic 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 the clinic.
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.
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.
