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Fertility Treatment Financing & Paying for Fertility Services

Let’s talk about finances — because they're an important part of your journey.

When you’re dreaming about a family, the last thing you want to worry about is how to pay for it. Yet for so many hopeful parents, cost becomes part of the conversation. At InVia Fertility, we understand—because we’ve helped countless patients navigate that same uncertainty.

Our role is to make sure finances never stand between you and your next step. We’ll help you explore every option, every plan, and every path forward—so your focus stays on what truly matters: building the family you’ve been hoping for.

Schedule an Appointment

 

Financing Care

When you’re ready to start your fertility journey, cost shouldn’t hold you back.

Apply for Financing with PatientFi

 

Options for Fertility Financing

We partner with trusted lending and financing providers who specialize in fertility treatment, including PatientFi. From IVF and egg freezing to medications and genetic testing, our partners help make treatment more affordable, flexible, and accessible.

Below, you’ll find details about our lending partners and how they can help make your fertility care journey more manageable.

 

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Fertility Financing Made Simple with PatientFi

Fertility care is personal—your financing should be too. With PatientFi, you can get approved in seconds (no hard credit check, no obligation) and access up to $50,000 with flexible monthly plans that work for your life. Access our reusable digital wallet to cover everything on your fertility journey—from IVF to egg freezing, meds, labs, and more—without needing to reapply. Pay a steady amount every month with a plan that puts you in charge. No down payments, extra fees, hidden costs, or “gotchas”.

Just simple, stress-free financing that helps you feel financially ready—and fully in control.

Apply for Financing with PatientFi

 

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Fertility Financing with CapexMD

To make your IVF treatment plan more affordable, we have partnered with CapexMD, a lender specializing in patient financing for ALL fertility treatment options.

Through our partnership with CapexMD, they are able to offer our patients customized loan programs with highly competitive rates that include a variety of loan types. Loans can include medications and/or genetic testing, and their easy loan process makes the experience of fertility financing relatively stress-free.

Benefits and advantages of financing with CapexMD:

  • Easy & secure online application
  • Personal attention & concierge service
  • Highly competitive interest rates
  • Quick & easy approvals
  • Family members or friends can apply
  • Loans from $3,000 up to $50,000
  • Terms from 6 to 60 months
  • Highest levels of confidentiality
  • No membership fees, no annual fees, and no prepayment penalties

Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed. Together with CapexMD we can make sure financial issues do not get in the way of your dream of having a baby.

APPLY online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site www.capexmd.com or by calling 1-888-497-8414.

 

Fertility Costs & Insurance Coverage

Our financial counselors are here to help you review your insurance benefits, verify what’s included, and guide you through any pre-authorizations or paperwork.

We’ll also explore financing options and alternative programs to make sure you have access to every available resource. If your employer offers fertility benefits through providers like Progyny, Carrot Fertility, or Maven, our team will help you take full advantage of those programs.

 

Frequently Asked Questions

Does insurance cover IVF or other fertility treatments?

Coverage depends on your specific insurance plan. Some policies include fertility benefits for IVF, egg freezing, or other treatments, while others may not. Our team will review your benefits in detail and help you understand exactly what’s covered.

What financing options are available for fertility services?

We partner with trusted lenders like CapexMD and PatientFi to help you manage the cost of care. CapexMD offers competitive rates and a range of loan types, while PatientFi provides a flexible approval process with no hard credit check, interest-free introductory periods, and simple monthly plans.

Both options make it easier to move forward with treatments such as IVF, IUI, or fertility preservation.

What if my FICO score is low?

PatientFi is an ideal option for hopeful parents with lower FICO scores. It offers flexible approvals, no hard credit check, and easy monthly payment options.

How long does the financing approval process take?

CapexMD and PatientFi both offer quick approvals — often within 24 hours. PatientFi offers instant approvals in many cases. Our financial counselors coordinate closely with each provider to make sure your funding is in place before your treatment begins.

We’re Here to Help You Figure Out Financing

Financing your family building journey doesn’t have to be daunting. At InVia Fertility, we’re committed to helping you understand your options and move forward with a plan that fits your life and your health and family building goals. We’re here to make sure nothing stands between you and your dream of building a family.

 

Schedule an Appointment

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DOWNLOAD
OUR eBOOK

Download Our Free Fertility Finance eBook

We know fertility costs and coverage can feel overwhelming. That’s why we created a comprehensive Fertility Finance eBook, designed to help you:

  • Get answers to common patient questions
  • Learn how insurance coverage applies (or doesn’t)
  • Explore financing options

InVia’s team is with you every step of the way, and this financial guide is your first step in planning forward. Wherever you are, know that support is available—and so are creative, sustainable options. Complete the form below to download a copy of our free e-book.

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