Financing IVF & Fertility Care

  1. Home
  2. Financial
  3. Financing Options

Understanding Your Financial Options

Interested in learning about financial assistance for IVF treatment or other advanced fertility treatments? At Aspire Houston Fertility Institute, we believe that insurance coverage and financing for quality infertility treatments should not be cost-prohibitive. Whether you need ovulation induction or in vitro fertilization (IVF), medicines, procedures, and other expenses shouldn’t spread your financial resources thin.

How we can help | Available financing & loan programs | Financing FAQs

Financing IVF and Fertility Treatments: How We Help

At Aspire HFI, we proudly offer a Financial Assurance Plan to fertility and IVF patients of our fertility clinics across the Houston Metro area. This assurance plan rivals that of any other fertility center in Texas. We also work closely with insurance providers that cover IVF as well as financing companies that offer financial assistance for fertility treatment in order to develop a payment plan that best suits your needs.

Know Your Options

Education is one of the most valuable steps your family can take when seeking the right financing for fertility treatments. That’s why we encourage you to discuss all options of financial assistance for IVF or other fertility treatment with one of our financial counselors during your initial consultation. When you speak with a counselor, you’ll find we offer competitive financial assistance for IVF through our Financial Assurance Plan in addition to providing grant information and verification of insurance benefits.

Contact Our TeamDownload Our Guide

Fertility Financing & Loan Programs

Aspire HFI understands that fertility treatments not only take an emotional toll, but can also take a financial one. We believe no one should be burdened by financial stress when it comes to building or growing their family, and we want you to know financial assistance is available. We invite you to explore the opportunity to finance your fertility treatment through the program that best fits your needs.

BUNDL

Aspire HFI partners with BUNDL to offer simplified, multi-cycle IVF packages designed to reduce financial stress. With one upfront, discounted price, BUNDL bundles multiple treatments, plus optional medication coverage or a money-back guarantee, into a single plan tailored to your journey.

Benefits of BUNDL Packages:

  • One easy, upfront payment – no surprise costs

  • Flexible packages to meet patients where they are in their fertility journey

  • Options for 2–3 IVF cycles with unlimited frozen embryo transfers

  • Built-in protections like miscarriage coverage and refund guarantees (Guard plan)

  • Add-on option to include fertility medications

  • Flexible financing available through trusted lenders like PatientFi and CapexMD

Explore BUNDL Packages

Lending Club

Aspire HFI partners with LendingClub Patient Solutions to bring you flexible, straightforward fertility financing that helps you plan treatment with confidence. With fast, soft‑credit prequalification and single‑loan convenience, you can bundle multiple services under one loan and focus on your family, not the paperwork.

Benefits of LendingClub Financing:

  • Prequalify in seconds with no hard credit pull until you select a plan 

  • Borrow from $1,000 to $50,000 (up to $65K in broader healthcare) 

  • Term lengths 24–84 months, with APRs from 3.99% to ~31% 

  • One monthly payment covers up to three services—IVF, meds, genetic testing, fertility preservation, donor services 

  • No application fees, no prepayment penalties, and funds go directly to your provider 

Explore LendingClub Options

CapexMD Fertility Financing

Aspire HFI partners with CapexMD to offer compassionate, expert-led fertility financing that covers everything you need under one loan. With over 15 years of specialization in reproductive care, CapexMD simplifies funding so you can focus on growing your family.

Benefits of CapexMD Loans:

  • Loan amounts from $3,000 to $50,000

  • Repayment terms between 6 and 60 months, with competitive fixed rates

  • Covers treatments, medications, genetic testing, egg/sperm freezing, donor, and surrogacy agency fees

  • No prepayment penalties, annual fees, or hidden charges

  • Fast approvals – usually same‑day review and funds sent within 2 business days

  • Personalized support from fertility-experienced loan specialists

Explore CapexMD Options

Future Family Financing

Aspire HFI partners with Future Family to offer personalized, supportive fertility financing backed by competitive, fixed-rate loans. Whether you’re planning IVF, egg freezing, donor services, or genetic testing, Future Family helps you take control of your care and your budget.

Benefits of Future Family Loans:

  • Fast prequalification with no impact on your credit

  • Loan amounts from $5,000 to $50,000

  • Competitive fixed rates with no prepayment penalties

  • Options to finance treatment, medications, genetic testing, and more

  • One-on-one support from a dedicated fertility coach

  • Optional “Baby Guarantee” insurance through select providers

Explore Future Fertility Options

PatientFi

Aspire HFI partners with PatientFi to offer stress-free, transparent financing tailored to fertility care. With instant digital approvals and friendly monthly plans, PatientFi makes it easy to move forward without financial delay. 

Benefits of PatientFi Financing:

  • Apply and get approved in seconds – no hard credit check

  • Instant access to funds to begin treatment right away

  • Custom monthly payment plans with no down payment or hidden fees

  • Loan amounts up to $50,000 and repayment terms up to 84 months

  • Dedicated support from a real person the moment you call

Explore PatientFi Options

Prosper Healthcare Lending

Aspire HFI partners with Prosper Healthcare Lending to provide simple, reliable loans tailored for fertility care, from medications to IVF, genetic testing, and more.

Benefits of Prosper Loans:

  • Loan amounts up to $50,000 with terms of 2–5 years (24–60 months) 

  • Competitive fixed APRs starting around 7%, ranging up to ~36% depending on credit

  • Soft prequalification on smaller loans, with instant decisions and no hard pull for offers under $35K 

  • Funds disbursed within one business day after approval 

  • No collateral, no prepayment penalties, and one predictable monthly payment

Explore Prosper Options

Fertility Financing & Loans FAQs

  • Aspire HFI offers access to several trusted fertility financing partners, including Future Family, BUNDL, LendingClub, CapexMD, PatientFi, and Prosper Healthcare Lending. Each program offers different features – from multi-cycle IVF packages to personalized loan terms with flexible repayment options. Our financial team can help you explore the right fit based on your treatment plan and financial needs.

  • Fertility loans are personal loans designed specifically to cover the costs of fertility care. After you apply and receive approval, funds are typically sent directly to your fertility provider. You’ll then make monthly payments to the lender based on the loan amount, interest rate, and term length. Many options offer soft credit checks for prequalification and no penalties for early repayment.

  • Yes, many fertility loans can be used for a wide range of services beyond IVF. This may include fertility testing, medications, egg or sperm freezing, donor services, embryo storage, or genetic testing. Some financing programs also allow you to bundle multiple services into one easy-to-manage loan.

  • Yes. While your credit score affects loan terms, several of our partners offer flexible approval criteria or options to apply with a co-signer. Programs like PatientFi and CapexMD are known for working with a wide range of credit profiles. Our financial counselors are here to guide you toward the options that best suit your situation.



  • It’s best to apply as soon as you begin planning your treatment. Many financing partners offer instant prequalification, allowing you to review your loan options without impacting your credit. Applying early gives you time to weigh your choices and ensures you’re financially prepared when it’s time to start care.



Learn More About Fertility Financing with Aspire HFI

We are here to answer any questions or concerns you may have so that you feel completely confident when taking the first step toward building your family.

Contact Us