What’s worse, most individuals and couples seeking fertility treatment often have little to no insurance coverage, forcing them to dip into savings or take out predatory high-interest loans. All of this adds a ton of financial stress to an already emotionally draining journey.

At Hera Fertility, we’re here to make financing for fertility treatments easy, affordable and accessible for those who need it.

Why Hera Affordable Lending?

Truly affordable

APRs always less than 13% depending on loan amount and payment schedule

Up to $35,000

Loan amounts from $1,000-$35,000 (USD)

12 - 60 months

Affordable payment plans from 12 - 60 months

$0 down

No application fee, hard credit check or
prepayment penalty

Not just one lender

Multiple lender options with just one application

<5 minute

Pre-approval in 5 minutes, loans deposited as quickly as 48 hours

Always there

Ongoing support with a fertility expert

Best deals

Deals and discounts on fertility services like medication and genetic testing

How it works

Our process helps guide you throughout your fertility journey with expert support and advice on cost estimates, benefits coverage, affordable loan options and paying for services. Here’s how it works:

Fill out one quick financing application

Sign up and get approved in under 5 minutes - your credit score won’t be affected. Provide some basic information, and you’ll find out almost instantly whether you qualify.

Choose the best option for you

With just one application, you’ll get financing options from multiple lenders so you can secure the best rate for your needs.

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Use our patient-centric billing app

Estimate fertility costs, track benefits, pay out-of-pocket payments and get payment plans for your fertility services.

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Get matched with a fertility advisor

Our one-on-one, personalized support will help guide you through your fertility journey and help answer questions you have along the way.

Get Started

What’s covered under our plan

Our financing plans cover every cost associated with your fertility care, including

Cycle procedures

Medication

Physician fees

Bloodwork and medical imaging

PGT testing

Surgical procedures

Anesthesia

Egg/sperm donor costs

Cryopreservation

Gestational carrier services (surrogacy)

and much more

Simplifying payments with a Hera banking card

To streamline fertility payments, Hera Fertility patients get a physical and virtual bank card pre-loaded with their approved loan amount. These cards can be used to pay for all types of fertility treatment and medication as well as fertility-related consumer products. They also offer partner discounts and member rewards. Hera bank cards work like a debit card and offer transparency of all your fertility-related purchases.

A digital app for an improved patient experience

Most fertility clinics don’t have the time to invest in digital tools to simplify the financing process for their patients. That’s why we’ve created an easy-to-use patient-centric billing app that streamlines the payment process and delivers a better patient experience at your clinic.

Keeping your information safe and secure

Unlike other lenders, we don’t sell your data or share any of your personal information with third parties. All the information you provide to Hera Fertility is kept safe and secure using the latest secure and compliant technology.

Privacy Policy Terms of Use

How much does fertility treatment cost?

According to the National Conference of State Legislators (NCSL), the average IVF cycle in the US can cost anywhere from $12,000 to $17,000 (not including medication). With medication, the cost can rise to closer to $25,000. Clinics define an IVF cycle as one egg retrieval and all the embryo transfers that result from that retrieval.

Ready to get started with Hera?

Get pre-approved in 5 minutes - with no impact to your credit score.

Sign up now