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Fertility treatment financing

Loans for IVF & fertility treatments

The journey to conceive can be stressful. Prosper takes the worry out of financing fertility medications and procedures.

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Why opt for financing for fertility treatment?

Conceiving can be challenging, and the last thing you need is added anxiety about medications and procedures. IVF financing through Prosper provides a simple, flexible, and reasonable option for financing assisted reproduction technologies.

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Checking your rate will not affect your credit score

Fertility treatments can get expensive. Prosper can help.

In 2023, the average cost of a single cycle of in vitro fertilization (IVF) can range from $15,000 to $30,000.
With fertility costs continuing to rise, understanding the complete costs of medications, treatments, and technologies can help you figure out whether fertility treatment financing is the right choice for you.

Fertility assessment

Medical evaluations conducted to assess an individual’s or couple’s reproductive health and potential to conceive a child can include as many as a dozen different tests, examinations, and analyses.

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In vitro fertilization

In vitro fertilization (IVF) can include single or multi-cycle treatments—each involving a complex and costly procedure, with success rates varying depending on individual circumstances, age, and underlying fertility issues.

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Intracytoplasmic sperm injection

Intracytoplasmic sperm injection (ICSI) is a specialized technique used when there are issues with sperm quality or quantity, which can result in the sperm having difficulty naturally penetrating the outer layer of the egg.

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Egg and embryo freezing

Egg and embryo freezing, or cryopreservation, preserves embryos for future use by storing them at very low temperatures without damaging their structure and viability.

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Fertility medication

While each person’s fertility journey is unique, and the medications prescribed will depend on specific underlying causes of fertility issues, powerful medications are now available to support conception.

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Male infertility treatments

Certain medications, such as hormone therapy, can be prescribed to treat hormonal imbalances or medical conditions that may be affecting sperm production or function.

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Fast, flexible funding when you need it

Fertility treatment financing through Prosper gives you the fast, flexible funding you need to get the medications and procedures you want.2

How will you Prosper?

A personal loan through Prosper helps you finance the things that matter most.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

1  Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 16.66% and a 8.99% origination fee results in a 23.53% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $354.84. A five-year $10,000 personal loan with an interest rate of 18.73% and a 8.99% origination fee results in a 23.26% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $257.92. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ. The average APR for loans with a 3-year term funded between January 1, 2025, and June 30, 2025, was 23.53%.

2  You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s transaction processing speed.

3 Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. All personal loans made by WebBank.

All personal loans made by WebBank.

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