Don't let the cost of treatment keep you from building the family you dream of. Get to know Illume Fertility's financing partners, learn how fertility financing works, and how to safely borrow what you need.
We encourage you to explore all of your options, including IVF grants and medication savings programs.
Sunfish offers flat-fee IVF bundles for self-pay patients, providing one simple payment, coordinated clinic billing, and step-by-step support to reduce stressful financial surprises and help you focus on getting the care you need.
Sunfish bundles include a full IVF cycle with unlimited embryo transfers, coordinated billing, regular check-ins, and educational tools. Packages can be customized to add donor services or an additional egg retrieval as needed.
Certain services are not included, such as checklist labs, some uterine evaluations, outside monitoring, and select procedures like PGT. Sunfish's Gold plan offers a partial refund up to $15,000 if you aren't successful.
Protect your investment with Sunfish's IVF Success Program (Gold), which offers a partial refund up to $15,000 if not successful.
Lowest price guarantee on IVF medication, plus valuable discounts on long-term storage, vitamins, mental health, and more.
Data-driven guides for each step, regular check-ins, financial support calls, and a Pregnancy Preparation Kit (included with Gold plan only).
Future Family is a trusted financing platform focused exclusively on fertility, offering personalized loans of up to $50,000 to eligible borrowers. This allows you to combine eligible fertility costs into one predictable monthly payment simplifying the financial aspect of your journey.
Loans may be used to pay for IUI, IVF, and egg freezing cycle costs, medications, physician fees, surgical center fees, anesthesia, preimplantation genetic testing (PGT), egg or sperm donor, cryopreservation, and more.
Monthly payments typically range from $150-$475+ per month, with no prepayment penalty. Your personal monthly payment will be determined by your treatment plan, clinic, credit score, and other factors.
Eligible U.S. veterans and active military patients may receive a discounted APR on Future Family loan options. Discount availability and final APR are based on each patient's individual credit profile and program criteria.
Future Family partners with multiple lenders to tailor fertility financing to you and keep fertility care aligned with your timeline.
Future Family's personalized, flexible plans are based on your specific treatment path—not generic medical-loan setups.
Access to Future Family's team of fertility coaches (all registered nurses) to provide supplemental support and answer questions.
Formerly LendingClub, Happen Bank offers flexible financing for fertility treatment with predictable monthly payments. Eligible borrowers may qualify for standard loan programs or up to 12 months of no-interest financing.
Financing may be used for a variety of fertility-related expenses, including:
Complete a short rate-check application, then review your available financing offers. Choose the option that best fits your budget. Funds are paid directly toward eligible services.
Financing options include standard repayment plans and, for eligible borrowers, up to 12 months of no-interest financing.
Select a repayment timeline that fits your budget, with no prepayment penalties if you pay off your balance early.
Quick approvals and direct payment to your clinic or pharmacy help streamline billing and keep treatment moving forward.
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