Can You Get a Loan for IVF in the UK? Everything You Need to Know
For many couples, IVF is a necessary but costly step towards starting a family. With treatment prices ranging from ÂŁ5,000 to ÂŁ10,000 per cycle, accessing funds upfront isn’t always possible. So, can you get a loan for IVF in the UK? This blog explains your options, how they work, and what to watch out for.
Yes — there are several ways to finance IVF treatment with a loan in the UK. These include traditional personal loans, fertility-specific finance providers, and sometimes even point-of-sale credit from your clinic.
- Personal loans These are unsecured loans offered by banks, building societies, and online lenders. They’re based on your credit score and income. You can borrow between £1,000 and £25,000, typically repayable over 1 to 7 years.
- Average APR: 6% to 12% (higher if your credit is poor)
- Pros: Flexible, can be used for any part of IVF including travel or medication
- Cons: Adds to your debt burden; eligibility varies
- Fertility finance providers Companies like Access Fertility, Gaia, and Ampla Finance specialise in IVF loans and refund schemes. They work directly with clinics and offer tailored repayment plans.
- Pros: Built specifically for fertility patients
- Often includes multi-cycle and refund plans
- Fixed monthly payments
- Cons: May have age or health eligibility limits
- Clinic-provided credit Some private fertility clinics offer in-house financing or partner with credit companies to provide on-the-spot payment plans. These are usually interest-bearing and subject to approval.
What to check before applying:
- APR and total repayable amount
- Whether early repayment is allowed without fees
- Whether the loan covers medication, freezing, or donor costs
- Your monthly affordability and impact on future finances
Credit score impact: Applying for multiple loans in a short time can hurt your credit. Always check eligibility with soft search tools before making a full application.
Real-life example: Katie and Mark took out a ÂŁ10,000 personal loan from a high-street bank with a 7.5% APR over 5 years. Their monthly repayments were ÂŁ200. It allowed them to begin treatment immediately and budget long-term without relying on savings.
IVF costs a great deal but loans are widely available, so choosing the right one requires planning. Always compare lenders, check terms carefully, and understand how repayments may affect your lifestyle. For some, it’s the key to making treatment possible — just ensure it’s manageable.
