Fast, simple finance built specifically for IVF and fertility treatment. Get your pre-approval today so you can understand how much you could borrow.
Fixed rates from 10.00% to 22.00% p.a., based on your credit profile. Your rate is confirmed when we assess your full application, then stays fixed for the life of your loan.
*Comparison rate based on a $11,000 loan over 4 years. See the comparison rate warning below.
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Fertility treatment is one of the most emotional journeys you'll ever take. The last thing you should be worrying about is how to pay for it. IVF Pay was built from the ground up for people exactly like you.
We only do fertility finance. That means faster approvals, smarter products, and a team that genuinely understands what you're going through.
Get pre-approved before you need it so you can focus on your treatment, not your finances. No nasty surprises when it matters most.
Need to reduce repayments during maternity leave? Switch to interest only for up to 12 months — no drama, no judgment, no extra fees.
We know timing matters in fertility treatment. We move quickly on approvals and fund release so you never have to pause because of paperwork.
We hold an Australian Credit Licence and are committed to responsible lending. Every fee is disclosed upfront — no hidden surprises.
Wherever you are in Australia, IVF Pay is available to you. Our fully online process means you can apply from anywhere, any time.
We've designed every part of IVF Pay to be easy, fast and stress-free — because you have enough on your plate.
Complete our simple online application in minutes. We'll assess how much you can access so you know exactly where you stand — before you need it.
Once you have your treatment plan from your clinic, let us know and we'll finalise your loan amount for that cycle.
We move quickly so your treatment isn't delayed. Funds are released promptly so you can focus on what truly matters.
Choose a term from 6 months to 5 years depending on your loan amount and what suits your budget. On loans over $5,000, our interest only option gives you breathing room when you need it most.
Most people find it easier to think in pay cycles than in totals. Choose your amount, term and credit score to see what your repayments could look like.
Rates are fixed and range from 10.00% to 22.00% p.a. Not sure of your score? You can check it free with Equifax. Your actual rate is set when we assess your full application, including a credit check, and doesn't change after approval.
Estimate only — not a quote or an offer of credit. Your credit score band is a guide; your actual rate depends on our credit assessment. All lending is subject to credit assessment and approval.
Based on a loan of $11,000 over 4 years with 48 monthly repayments, including the $10 monthly fee and a $150 establishment fee:
| Interest rate | Comparison rate | Monthly repayment | Total payable |
|---|---|---|---|
| 10.00% p.a. | 12.61% p.a. | $288.99 | $14,021.52 |
| 22.00% p.a. | 24.47% p.a. | $356.57 | $17,265.36 |
Loan terms: $2,001–$5,000 over 6 months to 2 years, or $5,001–$15,000 over 1 to 5 years. We fund up to $15,000 per IVF cycle, to a maximum of $50,000 in total active lending per person.
No hidden fees. No fine print surprises. Two products — choose the one that suits your treatment.
Both products include:
Covers IVF, IUI, and other assisted reproductive treatments. Not sure if your treatment qualifies? Get in touch — we're happy to help.
IVF Pay was founded with one simple belief — that finances should never be the reason someone can't pursue their dream of having a family.
Fertility finance is all we do. IVF Pay was built from the ground up for people going through IVF and fertility treatment. We understand the emotional and financial weight of this journey, and we've designed every part of our product around that reality.
We don't split our attention between car loans, cosmetic surgery and home renovations. That means faster decisions, more understanding, and a product shaped around how treatment actually works — including an interest only option for the months when you need to ease the pressure, and funding for more than one cycle if you need it.
Get started today — apply in full or get an indicative pre-approval. It only takes a few minutes and you'll know exactly where you stand.
No obligation. Pre-approval or full application — you choose.
Have a question before you apply? Want to understand how it all works? We'd love to hear from you. We're real people who genuinely care.