Finance fertility treatment expenses with ease and privacy.
  • Finance the entire treatment process, including medication.
  • Virtually paperless process saves time so you can focus on what's important.
  • No need to pledge your assets.
  • Funds can often be deposited into your account the same day you apply.
Fixed rates as low as
5.99% APR*
with AutoPay
Apply Now
Your best experience guaranteed!

A Resource for Stress-Free Fertility Treatment Financing

Five Questions to Ask Your Lender About IVF Financing
If you've decided to pursue IVF, you know research is the key to finding a treatment makes sense for you and your family. It’s also the key to finding the right loan to finance your treatments. That’s where we can help. Here are five questions to ask any lender before committing to an IVF loan:

Will I have the freedom to finance any aspect of the IVF process? As a borrower, you may need the flexibility to use funds from your loan to cover a variety of costs related to your treatments, including indirect costs such as medications and travel to see out of town specialists. Make sure your lender provides that level of freedom. LightStream does. Living up to its name, the AnythingLoan enables borrowers with good to excellent credit to finance or refinance just about anything, including all costs related to your IVF treatments. As a borrower, you completely control how your loan proceeds are spent.

How competitive are your rates? Don’t make the mistake of thinking all fertility loans come with exorbitant interest rates. That’s just not the case. At LightStream, fixed-interest rates on unsecured fertility loans range from to * APR with AutoPay, with loan amounts between to .

Are there any hidden costs? Ask any potential lender if their rates are fixed and if there are costs associated with receiving or servicing their loan. LightStream loans have no fees, no down payment requirements, and no prepayment penalties.

Will the loan process be difficult?No one’s going to tell you it will be, but the proof is in the process. If your lender requires mountains of paperwork and takes weeks to get around to your loan application, that is a red flag. LightStream is just the opposite. We offer a nearly paperless, fast online loan application. You’ll receive a response within minutes during business hours, and if approved, can have money in the bank account of your choosing the very same day. We are so confident you’ll have a great experience that we offer an exclusive $100 Loan Experience Guarantee.

Will you protect my privacy? At LightStream, we take protecting your privacy, seriously. Your personal information will never be shared with a third-party without your explicit consent, Our skilled IT staff leverages a host of electronic, physical, and procedural safeguards to ensure your personal information remains protected at all times. And because you work directly with us to secure your financing—and funds are deposited directly into your personal bank account---you don’t have to share your sensitive financial information with your doctor’s office.


If you have additional questions about LightStream Fertility Treatment Financing loans, please read our LightStream Fertility Treatment Financing FAQs.


Current Annual Percentage Rates (APR)      April 16, 2014
Loan Purpose
Rates below are for LightStream's unsecured AnythingLoan for medical or adoption expenses. Rates may vary and will be higher based on your credit profile. Applications meeting the excellent and substantial credit profile may qualify for the lowest rate below.
Loan Term (months)
Loan Amount
24 - 36 37 - 48 49 - 60 61 - 72 73 - 84
$5,000 to
$9,999
7.49% -
8.99%
8.74% -
9.99%
9.24% -
9.99%
N/A N/A
$10,000 to
$24,999
5.99% -
7.49%
7.24% -
8.74%
7.74% -
9.24%
8.04% -
9.54%
N/A
$25,000 to
$49,999
5.99% -
7.49%
7.14% -
8.64%
7.64% -
9.14%
7.94% -
9.44%
8.24% -
9.74%
$50,000 to
$100,000
5.99% -
7.49%
7.04% -
8.54%
7.54% -
9.04%
7.84% -
9.34%
8.14% -
9.64%
Loan Terms:
Excellent and substantial credit required for the lowest LightStream rate
•Fixed rate, simple interest installment loans, no fees or prepayment penalties
•Rates quoted with AutoPay option. Invoicing option is 0.50 points higher
•Loan proceeds may not be used to refinance any existing loan with LightStream
•Florida loans subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR.
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* The APR listed is for an unsecured loan between $10,000 and $24,999 with a term between 24 and 36 months, for the purpose of Medical/Adoption expenses. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay repayment option. Rates under the Invoicing option are 0.50% higher. Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

† You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 11:30 a.m. Pacific time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.