Financing IVF & Fertility Care

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Understanding Your Financial Options

When it comes to fertility treatment, you may find it difficult to navigate the different financial aspects. This is understandable, as there are many different guidelines and regulations, and the costs of the treatments and related services can take you by surprise, even with careful planning.

The good news is that Reproductive Biology Associates (RBA), Georgia’s first IVF treatment center and a true fertility innovator, provides a host of financial solutions designed to help you along your fertility journey.

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

Financing IVF and Fertility Treatments: How We Help

Cost for fertility treatment varies, depending on a variety of factors (what treatment is recommended for you, how much medication you will need, whether insurance covers a portion of treatment, etc.). As you navigate through testing appointments, you are welcome to inquire about the cost of your tests. Once your RBA physician establishes a fertility treatment plan, you will be set up for a one-on-one financial consult to review Insurance coverage for treatment, individual treatment costs, financing options, and more. Our Financial Counselors will work closely with you to help you utilize your maximum insurance benefits.

We’re proud to support individuals and couples throughout the Atlanta area on their path to parenthood. With two clinics in the heart of Atlanta – Sandy Springs and the Piedmont Hospital Campus – and additional physical and telehealth locations in Cumming and Marietta, and Canton, accessing fertility care has never been more convenient. Our team is here to help you understand your financial options every step of the way. Ready to get started? Schedule a visit at your nearest RBA location or download our fertility financing guide to learn more.

Contact Our Team  Download Our Guide    

Fertility Financing & Loan Programs

Building a family should never be limited by financial barriers. At RBA, we partner with reputable third-party lenders to provide flexible financing options, including IVF loans and multicycle packages. Whether you’re pursuing a single treatment cycle or need help managing the cost of medications and additional services, our team will walk you through your options and help you choose the approach that works best for your needs and budget.

PatientFi

PatientFi provides stress-free fertility financing solutions so that patients can focus on treatment and worry less about financial interruptions. Each plan is customized for the individual, with terms that fit their unique needs. All treatments are covered under one easy plan that patients make steady, affordable payments every month. Key highlights include:

  • Funding up to $50,000
  • Zero interest plans available (No interest if paid in full during promotional period.)
  • APRs as low as 6.99%
  • Extended terms out to 84 months
  • No hard credit checks, ever
  • No extra or hidden fees

Learn More About PatientFi

BUNDL Fertility Program

BUNDL Fertility takes the financial stress out of fertility treatments by giving aspiring parents options. Bundl is not a bank, but aids in accessibility of treatment with customizable packages and risk protection.

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Future Family

At Future Family, we're all about helping you achieve the family of your dreams. We know that cost and complexity can be major barriers to accessing fertility treatment, so we've designed customized loans to save you time and money.

Our partnership with Reproductive Biology Associates allows us to combine all your treatment costs into one easy monthly payment so you can focus on what matters most. Plus, our team of Registered Nurses is always here to offer on-demand fertility coaching support and answer any questions you may have. We're excited to be a part of your fertility journey!

Prequalifying is easy and takes less than 2 minutes. Most importantly, it won’t impact your credit score.

Estimate your monthly payments and apply in minutes with the personalized payment choice tool from The Prelude Network.

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LendingClub Patient Solutions

RBA partners with LendingClub, fertility financing specialists who offer our patients comprehensive financing options and customized loan programs to ease the stress of fertility treatment. LendingClub has plans with flexible terms, budget-friendly choices and the ability to finance amounts up to $50,000.

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CAPEX MD

RBA is proud to partner with the Fertility Financing Specialists at CapexMD. The CapexMD team specializes in providing our aspiring parents with friendly, affordable and stress-free financing solutions for their fertility treatment. CapexMD offers a wide variety of loan options. Each loan program is designed to fit your individual circumstances. Once approved, CapexMD Fertility Loan Specialists will work closely with RBA to ensure the funds are secured prior to the start of your treatment cycle.

Advantages of CapexMD:

  • Can finance treatment and treatment related drugs
  • Specialists in Fertility Financing
  • Personal Attention
  • Competitive Rates
  • Easy & Secure Online Application
  • Pre-Approval within 24 hours
  • Flexible Terms
  • Highest Confidentiality
  • No Annual Fees
  • No Prepayment Penalties
  • Rates well below that of most credit cards
  • Retain your existing credit
  • For more information on this program, speak with a loan specialist

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Fertility Financing & Loans FAQs

  • The best IVF loan options typically come from lenders that specialize in fertility financing. These may include banks, credit unions, or third-party lenders who work directly with fertility clinics. Many offer fixed-rate loans with flexible repayment terms to help cover treatment costs. At RBA, we can help connect you with trusted financing partners and walk you through the available options, so you can find a plan that fits your goals and budget.

  • Fertility loans are personal loans used to pay for treatments like IVF, IUI, egg freezing, or donor services. After applying and being approved, funds are either sent directly to you or to the fertility clinic. You’ll repay the loan in monthly installments, usually with fixed interest over a set period. Our team can help you understand how the process works and refer you to lending partners who specialize in reproductive care.

  • Yes, most fertility loans can be used to cover a range of services beyond IVF. This includes diagnostic testing, fertility medications, egg or sperm donation, embryo storage, and even travel costs in some cases. Loan terms and coverage vary by lender, so it's important to review the details carefully. RBA’s financial team can help you explore options that provide the flexibility to support your full treatment journey.

  • Yes, financing may still be available if you have a lower credit score. Some lenders offer loan options with more flexible credit requirements, although the interest rates and repayment terms may vary. Co-signers or secured loans can also improve your eligibility. At RBA, we can refer you to lenders who understand the unique needs of fertility patients and can help guide you toward realistic financing solutions.

  • It’s a good idea to apply for fertility financing as soon as you’ve had a consultation and know what your treatment plan might include. Applying early gives you time to compare options, get approval, and plan ahead financially without delaying care. Our team is here to help you understand your costs and connect you with trusted lenders so you can take the next steps with confidence.

Learn More About Fertility Financing in Georgia with RBA

At RBA, we offer a variety of financial solutions to streamline the treatment process and make it more affordable. When you become part of the RBA community, you have full access to our Billing Specialists and Financial Counselors. To discuss your financial options, or for general billing questions, please call (404) 257-1900.

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