Undoubtedly, IVF is a very expensive process, and depending on your circumstances, you may have considered loans for IVF. In this article, we take a look at IVF loans, including 0% interest and buy-now-pay-later options, how they work, and how they can help pay for your Access Fertility programme.
Financing your IVF through IVF loans
For many people, the huge lump sum for a round of IVF is a cost that they simply cannot afford. If you’re not eligible for IVF treatment on the NHS, loans for IVF may be of interest. Taking on debt is a big decision, for any reason. What’s more, the last thing you want when you’re trying to conceive is any unnecessary additional cost or stress. Specialist IVF loans such as the Buy-Now-Pay-Later option we offer can be a great solution.
What are Access Fertility programmes?
Access Fertility has two primary types of programme:
IVF refund programmes (including the Unlimited IVF Programme and the IVF Donor Egg Refund Programme). You pay in advance for these programs, but at a heavily discounted rate compared to the standard clinic fee. Critically, if sadly you don’t have a baby at the end of your treatment, you can receive up to 100% of your money back.
Multi-Cycle programmes – again, these are paid in advance, but the cost of each cycle will be much lower than the standard fee at the clinic. What’s more, you have the reassurance of fixing the cost of treatment in advance.
By using an Access Fertility programme, you can lower the cost of your IVF treatment, reducing the financial burden. In the case of our refund programmes, should you be unsuccessful in having a baby, you would receive up to 100% of your money back. For many patients, that refund has meant they can go on to consider other routes to starting a family, such as adoption. Alternatively, others have used the money to fund another IVF cycle, to top up their finances, or pursue a different dream altogether.
Combining IVF loan programmes with Access Fertility programmes
Access Fertility’s programmes lower and fix the cost of IVF treatment, and offer a refund if that treatment isn’t successful. You can either pay up front for these programmes, or if you don’t have the funds available, you can borrow all of part of the costs through Access Fertility’s monthly payment plan options. This includes a 0% interest buy-now-pay-later option with a 12-month term, or a range of flexible interests and terms through our partner Kandoo who can connect you with the right UK lender for you.
That way, you can benefit from the lower cost of treatment, still have the option to receive a refund if needed, and can afford to get started asap without having to find all the costs upfront. Read more about our IVF loan options here.
Get further information
We understand that embarking on your fertility journey can be confusing and overwhelming. That’s why we’re glad to offer free 30 minute fertility nurse consultations to answer any questions you have. Alternatively, contact our expert patient advisors, who can help guide you on the next steps.