Fertility Financing Options in
San Diego County
The cost of fertility treatment shouldn't stand between you and the family you're working to build. At Southern California Fertility Center, we've partnered with trusted fertility financing companies to help you cover the portion of care not paid by insurance — from IVF and medications to genetic testing and related services. Each partner offers a different approach, so you can choose the option that best fits your budget and timeline. Our team is here to help you compare your options and get started.
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Our Financing Partners
Avant
A fixed-rate personal loan through Avant can help cover IVF, frozen embryo transfer, and related treatment costs. Loans range from $2,000–$35,000 with predictable monthly payments, and pre-qualifying won't affect your credit score.
CapexMD
CapexMD specializes exclusively in fertility financing, with loans from $3,000–$50,000 and repayment terms from 6–60 months. There are no prepayment penalties, and their Loan Specialists — many of whom have gone through fertility treatment themselves — work directly with our office to coordinate funding.
LendingClub
LendingClub offers fertility financing up to $50,000 with fixed rates starting at 3.99% APR and terms up to 84 months. You can bundle payments across multiple providers (like labs or pharmacies) into a single monthly payment, and checking your rate won't impact your credit.
If your employer offers Carrot as a fertility benefit, you can use those funds toward treatment at SCFC. Carrot members are typically reimbursed directly by their employer's benefit up to their plan maximum — check with your HR team to see if this is available to you.
Elsa Fertility
Elsa is a digital-first care platform that helps coordinate your fertility journey and can connect you with negotiated, discounted treatment rates. It's a helpful resource for streamlining logistics alongside your fertility financing plan.
RESOLVE: The National Infertility Association
RESOLVE is a nonprofit that maintains a directory of vetted fertility lenders and financial resources, making it a good starting point if you want to compare multiple financing options in one place.
Frequently Asked Questions
Can I use more than one financing option?
Yes. Many patients combine an employer benefit like Carrot with a loan through CapexMD or LendingClub to cover the full cost of treatment.
Will checking my rate affect my credit score?
Most of our partners, including Avant and LendingClub, let you check your rate and pre-qualify without any impact to your credit.
What can financing be used for?
Financing through our partners can typically cover IVF, medications, genetic testing, and other treatment-related costs — not just the procedure itself.
How much does IVF financing cost per month?
Monthly payments depend on the loan amount, term length, and interest rate you qualify for. As an example, a $20,000 loan through LendingClub at a 3.99% starting APR over 60 months would run roughly $370/month — but your actual rate depends on your credit profile. We recommend pre-qualifying with a partner directly to see your real number.
Can I get a fertility loan with less-than-perfect credit?
Some of our financing partners work with a range of credit profiles, and pre-qualifying typically won't affect your credit score. Approval and rates vary by provider, so we recommend checking with each partner directly to see what you qualify for.
What's the difference between fertility financing and insurance?
Insurance may cover some or all of your treatment depending on your plan. Financing is a separate option — a loan or payment plan — that covers costs insurance doesn't, or provides an alternative if you don't have fertility coverage. See our Insurance page →