Best IVF Loans for January 2026
Best IVF Loans for January 2026 View All Best IVF Loans for January 2026
- Top Picks
- LightStream
- SoFi
- BHG Financial
- See More (3)
- Upgrade
- Upstart
- Patelco Credit Union
- Compare Providers
- Why Trust Us
- How Do IVF Loans Work?
- Common IVF Loan Terms to Understand
- Pros and Cons of IVF Loans
- How to Get an IVF Loan
- Methodology
Find the Best Lender For You
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What to Know First
LightStream is Investopedia’s choice for the best in-vitro fertilization (IVF) loan for the same reasons it’s the best overall personal loan lender in our ranking: it offers a wide range of loan amounts, flexible repayment terms, competitive APRs, and fast funding. An IVF procedure can cost $15,000 to $20,000 and may not be covered by insurance. An unsecured personal loan is one way to cover that cost.
Investopedia evaluated hundreds of data points across 59 lenders to develop its ranking of the best loans for IVF treatment. Learn about our best overall choice and others that may better fit your circumstances.
Today’s Top Picks
- Best Overall, Best for Repayment Terms, Best for Fast Funding: LightStream
- Also Good for Repayment Terms: SoFi
- Best for Large Loan Amounts: BHG Financial
- Best for Fair or Bad Credit: Upgrade
- Best for Lowest Minimum Credit Requirement: Upstart
- Best Credit Union: Patelco Credit Union
Why Trust Us 59 Lenders reviewed 45 Loan features considered 2,655 Data points analyzed 284 Primary data sources used Investopedia collected data from dozens of lenders to evaluate the factors most important for borrowers. We used this data to rank each lender based on APRs and fees, loan amounts, repayment terms, customer experience, and more to provide unbiased, comprehensive reviews and help you make the right borrowing decision for your needs. Read our Full Methodology
What to Know First
LightStream is Investopedia’s choice for the best in-vitro fertilization (IVF) loan for the same reasons it’s the best overall personal loan lender in our ranking: it offers a wide range of loan amounts, flexible repayment terms, competitive APRs, and fast funding. An IVF procedure can cost $15,000 to $20,000 and may not be covered by insurance. An unsecured personal loan is one way to cover that cost.
Investopedia evaluated hundreds of data points across 59 lenders to develop its ranking of the best loans for IVF treatment. Learn about our best overall choice and others that may better fit your circumstances.
Today’s Top Picks
- Best Overall, Best for Repayment Terms, Best for Fast Funding: LightStream
- Also Good for Repayment Terms: SoFi
- Best for Large Loan Amounts: BHG Financial
- Best for Fair or Bad Credit: Upgrade
- Best for Lowest Minimum Credit Requirement: Upstart
- Best Credit Union: Patelco Credit Union
Why Trust Us
59 Lenders reviewed 45 Loan features considered 2,655 Data points analyzed 284 Primary data sources used Investopedia collected data from dozens of lenders to evaluate the factors most important for borrowers. We used this data to rank each lender based on APRs and fees, loan amounts, repayment terms, customer experience, and more to provide unbiased, comprehensive reviews and help you make the right borrowing decision for your needs. Read our Full Methodology
Best IVF Loans for January 2026
If youre not seeing anything in the results that are a good fit for your needs, consider warranties from these companies:
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| Company | APR | Credit Score est. | Loan Amount | More Details | |
|---|---|---|---|---|---|
Best Overall, Best for Repayment Terms, Best for Fast Funding : LightStream
- APR Range: 6.49% – 24.89%
- Loan Amount: $5,000 – $100,000
- Loan Terms: 24 months – 240 months
On Investopedia
Why We Chose It
LightStream offers large loan amounts and lengthy loan terms, up to 240 months for some loan uses. Its APRs are competitive, its maximum loan amount is $100,000, and it offers same-day funding.
Pros & Cons
Pros
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Low APRs
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No fees
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Loan amounts up to $100,000
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Same-day funding
Cons
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No pre-qualification
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Requires good to excellent credit
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Limited customer support options
Overview
LightStream scores well in all the areas that matter most to most borrowers in our ranking system. Advertised APRs are competitive, there are no origination or late payment fees, and it offers long repayment terms and loan amounts of up to $100,000. If you sign up for autopay, you can shave 0.50 percentage points off of your APR. If you find a better rate on a loan from another lender, LightStream will beat it by 0.10%.
Same-day funding is available (as long as you complete your application by 2:30 p.m. EST). You can also delay funding up to 90 days.
Although LightStream is our top choice, it isn’t the perfect lender. It doesn’t offer loan pre-qualification, which Investopedia considers a vital shopping tool. LightStream is a solid choice if you have good to excellent credit, but you’ll have to shop elsewhere if your credit is fair or poor. Finally, LightStream’s customer service options are limited to telephone support.
LightStream is the online-lending arm of Truist Bank, which was formed by a merger between BB&T and SunTrust Bank in 2019. Truist is headquartered in Charlotte, North Carolina.
Additional Details
| Minimum Credit Score | 680 |
| Origination Fees | None |
| Membership Requirement | None |
| Available Discounts | 0.50% autopay; 0.10% rate beat |
Read the Full LightStream Personal Loans Review
Also Good for Repayment Terms : SoFi
- APR Range: 8.74% – 35.49%
- Loan Amount: $5,000 – $100,000
- Loan Terms: 24 months – 84 months
On Investopedia
Why We Chose It
Many of the lenders we researched offer maximum repayment terms of 60 months. SoFi will let you pay off a personal loan over seven years. That might mean a monthly payment for an IVF loan that fits your budget better.
Pros & Cons
Pros
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High loan maximum
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Long loan terms
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Same-day funding
Cons
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Optional origination fees
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Lowest rates require a SoFi bank account
Overview
Only a few lenders we researched offer repayment terms longer than SoFi’s 84 months. Longer loan terms push down monthly payments and make repayment more affordable. (The catch is you’ll wind up paying more in interest.) With SoFi, you also get membership benefits and perks, such as free financial planning and discounts on other banking and financial products it offers.
Customer experience is one of SoFi’s strengths. It ranked fourth in J.D. Power’s 2024 U.S. Consumer Lending Satisfaction Study. SoFi also received an Investopedia Combined Consumer Review rating of 4.4 (out of 5 possible), a calculated aggregate of consumer review ratings on Trustpilot and the Better Business Bureau (BBB) developed by Investopedia’s researchers.
In past years, SoFi promoted its total lack of fees. Things are different now, and SoFi allows borrowers to pay an origination fee of up to 7% in exchange for a lower overall interest rate. You still won’t face late fees or prepayment penalties.
SoFi, founded in 2011, started as a fintech specializing in student loans. Today, it offers many more banking and financial products, including checking and savings accounts, home loans, investment accounts, insurance, and more. It’s headquartered in San Francisco.
Additional Details
| Minimum Credit Score | No stated minimum |
| Origination Fees | 0%–7.00% |
| Membership Requirement | None |
| Available Discounts | 0.25% autopay; 0.25% direct deposit; 0.25% creditor direct pay |
Disclosures
Fixed rates from 8.74% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or, Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 11/03/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.
Read the Full SoFi Personal Loans Review
Best for Large Loan Amounts : BHG Financial
- APR Range: 8.72% – 27.87%
- Loan Amount: $20,000 – $200,000
- Loan Terms: 36 months – 120 months
On Investopedia
Why We Chose It
Several cycles of IVF treatment can cost a significant amount of money. BHG Financial offers borrowers who can meet its qualification requirements personal loans of up to $200,000, at least double the amount any other lender in Investopedia’s database offers.
Pros & Cons
Pros
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Much higher-than-usual loan maximum
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Long repayment terms
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Positive customer reviews
Cons
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High loan minimum
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Potentially higher rates
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Slow loan processing
Overview
BHG Financial offers the highest maximum loan amount among the 59 businesses that Investopedia tracks in its database of personal lenders: $200,000. Borrowers can pay it off in up to 10 years.
Qualifying for an unsecured loan that big requires strong credit and significant income. BHG’s website notes that the average BHG borrower has a FICO score of 744 and an annual income of $241,000. Borrowers can pre-qualify to learn their rates and terms before applying.
BHG Financial’s APRs aren’t as low as many other lenders', and its loan minimum of $20,000 is almost as high as some loan maximums. Funding time is slow: five days, the slowest among the lenders we researched.
In terms of customer satisfaction, Trustpilot reviewers give it 4.7 (out of 5). It also earned a Combined Consumer Review rating of 4.7 (out of 5). Developed by Investopedia researchers, this rating is calculated from consumer review ratings and the number of reviews on two popular review sites: Trustpilot and the BBB.
BHG Financial was established in 2001 as Banker’s Healthcare Group. Since then, it has originated more than $18 billion in loans. BHG Financial is headquartered in Fort Lauderdale, Florida.
Additional Details
| Minimum Credit Score | Not disclosed |
| Origination Fees | Not disclosed |
| Membership Requirement | None |
| Available Discounts | None |
Best for Fair or Bad Credit : Upgrade
- APR Range: 7.74% – 35.99%
- Loan Amount: $1,000 – $50,000
- Loan Terms: 24 months – 84 months
On Investopedia
Why We Chose It
Upgrade’s minimum credit score requirement of 580 is lower than most other lenders in Investopedia’s database, making IVF loans available to a broader range of people.
Pros & Cons
Pros
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Lower credit score minimum
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Joint loans permitted
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Secured loans available
Cons
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Potentially high origination fees
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High maximum APR
Overview
Applicants with credit scores as low as 580 can qualify for a loan from Upgrade. If you need help getting approved, you can apply with a co-borrower. Upgrade says it may also offer some borrowers a secured loan, with a car as collateral, instead of an unsecured loan.
This flexibility comes at a cost, however. Upgrade charges origination fees between 1.85% and 9.99%, and its APR range of 7.99% to 35.99% is among the highest of the 59 lenders we reviewed. Borrowers with lower credit scores should expect to pay on the higher end of those ranges. Upgrade offers discounts for autopay, using loan proceeds for debt consolidation, and opting for a secured loan, but it doesn’t share the exact details. You can get a $200 bonus for setting up and funding a checking account with Upgrade during your loan application.
Upgrade, founded in 2017, is headquartered in San Francisco, California. Since its founding, it has provided more than $35 billion in loans and credit.
Additional Details
| Minimum Credit Score | 580 |
| Origination Fees | 1.85%–9.99% |
| Membership Requirement | None |
| Available Discounts | Autopay, debt consolidation, and secured loan discounts (details not disclosed) |
Read the Full Upgrade Personal Loans Review
Best for Lowest Minimum Credit Requirement : Upstart
- APR Range: 6.50% – 35.99%
- Loan Amount: $1,000 – $75,000
- Loan Terms: 36 months – 60 months
On Investopedia
Why We Chose It
Upstart connects borrowers with lenders from a broad network with a wide range of underwriting requirements. This variety may help you qualify for an IVF loan, especially if your credit history is thin.
Pros & Cons
Pros
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Quick loan disbursement
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More accessible for those with poor credit
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Low loan minimum
Cons
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Relatively low loan maximum
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Fewer loan term options
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Potentially high fees
Overview
Borrowers with credit scores below 580 don’t have many options, and the loan offers they do receive are usually costly, with steep origination fees and APRs. Upstart’s minimum required credit score of 300 is the lowest of the 59 lenders in our database. It will even consider borrowers without a credit score. The company says its AI-driven underwriting results in better rates for borrowers and less risk for lenders.
Upstart works with various lenders with different underwriting requirements, so borrowers with weaker or stronger credit profiles will be matched with lenders offering rates and terms that fit. Loan amounts range from $1,000 to $75,000. Depending on the cost of IVF treatment, borrowers may need to find a lender with a higher loan maximum.
Rates start at 6.70% and max out at 35.99%. Origination fees range between 0% and 12%
Upstart has made available nearly $40 billion in credit of various types through its platform, including personal loans, since it was founded in 2012. The fintech lender is headquartered in San Mateo, California.
Additional Details
| Minimum Credit Score | 300 |
| Origination Fees | 0% to 12% |
| Membership Requirement | None |
| Available Discounts | None |
Read the Full Upstart Personal Loans Review
Best Credit Union : Patelco Credit Union
- APR Range: 9.30% – 17.90%
- Loan Amount: $300 – $100,000
- Loan Terms: 6 months – 84 months
On Investopedia
Why We Chose It
Missing?
Pros & Cons
Pros
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No origination fees
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Wide range of loan terms
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Higher-than-usual loan maximum
Cons
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Membership requirement
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Higher loan minimum for longer loan terms
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Higher APRs on longer loan terms
Overview
Investopedia recommends people shopping for a loan always check with a credit union. That’s because credit unions generally offer the most competitive rates and terms. Our database of 59 lenders includes 20 credit unions, with Patelco Credit Union ranked highest. It offers several loan options (including secured loans), competitive APRs, and attractive rate discounts. You can borrow as much as $100,000 to cover multiple rounds of IVF treatment. Repayment terms stretch out to 84 months for larger loans.
Patelco offers a small rate reduction of 0.10% for members with multiple accounts and a 0.50% reduction for borrowers who make on-time payments for 12 consecutive months. The 0.50% reduction can be earned three times for a discount of up to 1.50%. Patelco also offers payment protection insurance and hardship programs if borrowers need more time to make a payment.
You’re eligible to join if you live or work in a few Northern California counties. If you don’t, you can join the Financial Fitness Association (Patelco will cover the fee).
Patelco Credit Union was founded in 1936 by Pacific Telephone & Telegraph Company employees. Its headquarters is in Dublin, California, and it has over $9 billion in assets.
Additional Details
| Minimum Credit Score | 640 |
| Origination Fees | None |
| Membership Requirement | Yes |
| Available Discounts | 0.10% customer loyalty; up to 1.50% for consecutive on-time payments |
Read the Full Patelco Credit Union Personal Loans Review