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We recommend a FICO score of 680 or higher to get started. Checking your rate or prequalifying for a loan will not affect your credit score. If you move forward with a loan from Future Family, we are required to perform a hard credit inquiry which could lower your scores by a few points.

Our interest rates are some of the lowest in the industry, ranging from 9.74% to 23.74%, depending on the loan products for which you qualify and the clinics or vendors that will be providing your care. Interest rates are based on your credit score, the borrowing amount, and the length of your loan to cover IVF treatment costs.

Note: Terms and Conditions Apply. Your interest rate will depend upon credit score, income, loan amount, loan term, and credit history. APR ranges from 9.74% to 23.74%. For example, if you take out a Future Family loan for $18,000 with an APR of 9.74% and a 60-month term, Future Family will disburse $18,000 to vendors on your behalf and you will make 60 monthly payments of $380.15. Alternatively, if you take out a Future Family loan for $18,000 with an APR of 14.99% and a 60-month term, Future Family will disburse $18,000 to vendors on your behalf and you will make 60 monthly payments of $428.22. No down payment is required and there is no prepayment penalty.

State Licenses:

Missouri - Consumer Credit Loan Company License No. 367-19-8562

Pennsylvania - Consumer Discount Company License No. 71692

Your monthly IVF payment plan will be determined by a combination of your individual treatment plan, clinic pricing, and interest rate. Because we customize your payment plan to your specific IVF treatment cost, no two plans are the same.

It only takes two minutes online to complete the pre-approval process for a loan to cover IVF costs. Once you are pre-approved, you will speak to your Account Manager to develop your personalized plan with the best fertility clinics near you. Once your Agreement has been finalized and signed by all parties, you could be funded for your IVF treatment loan in as little as 24 hours.

Absolutely! We do not have any pre-payment penalties for your financing plans.

Timely payment of your Future Family loans helps ensure we can continue to deliver great products and services to the Future Family community. As of March, 2024, Future Family will charge late fees on loans.

Yes. You and your co-borrower are jointly liable for making your loan payments.

The easiest way to pay is to log in to the Future Family website (app.futurefamily.com/login) and make payments electronically via ACH. You can also set up online autopay to Future Family through your bank, or you can send in a paper check. Note that we do not currently accept payment via credit card.

We will pay your IVF clinic, pharmacy, and approved third parties associated with your Future Family IVF payment plan directly. You will never have to see the payment desk or deal with bills, which means there is one less thing for you to worry about during your IVF treatment cycle or egg freezing cycle.

We assess a variety of factors when making a decision on your prequalification application, including, but not limited to your FICO score, personal income, and household income. An adverse action notice, outlining the detailed reasons for your application decision, will be posted to your Future Family dashboard within 30 days of your application. We will notify you via email once it is ready for your review.

We always have options for those who don't qualify individually for IVF financing.

• Add an additional applicant to your plan here
• Re-apply in 30 days. Check out ways to increase your credit score here.

In order to add an additional applicant to your IVF treatment loan plan, your credit score must be 680 or above. Your additional applicant should have good credit standing (i.e. 680 and above) and sufficient annual income to support your financing plan.

Future Family allows payments to providers (disbursements) starting within 45 days of signing your contract. Once your first disbursement was issued within this window, an additional 120 days is provided to use all available remaining funds. Additionally, the window for direct disbursements (payments made directly to the borrower instead of a provider for reimbursements) is limited to 30 days from the date of the first direct disbursement. You may still be able to utilize your remaining funds to pay a provider.

Some women choose to have a tubal ligation reversal and attempt to conceive naturally while others proceed directly to an in vitro procedure (which does not require functional fallopian tubes). Your doctor will assist you in making this decision. Factors your physician will consider include your age, other infertility issues for both you and your partner, the type of tubal ligation you had, and cost for treatment.

Some men choose to have a vasectomy reversal while others will have the sperm surgically retrieved. Your doctor will help you make this decision considering: how long it has been since the vasectomy, you and your partner's age, any female infertility factors, how quickly you want to conceive and cost. The overall pregnancy rate after a vasectomy reversal is 50% but this rate decreases with more time since the vasectomy.

Intrauterine Insemination (IUI) is the process of placing prepared sperm directly into the patient's uterus around the time of ovulation in order to aid fertilization chances.

In Vitro Fertilization (IVF) is a process consisting of several steps. First the ovaries are stimulated using medications, then the eggs are retrieved and put together with sperm. After the embryos have been created and incubated in the lab, they are transferred into the patient's uterus.

It is never easy to be specific about the success rates of a given treatment as there are so many variables that affect individual cases, but statistically, IUI has lower success rates than IVF, and the gap widens as women age.

• IUI with fertility medication (Clomid): average success rates range from 8% to 15% per cycle for patients under 35 to 2% to 5% for patients over 40.

• IVF using a woman's own eggs: average success rates range from 40% to 45% for patients under 35 to 15% or less for women over 42.

If you are younger than 35 years and have not gotten pregnant after one year of having regular sexual intercourse without using any form of birth control, talk with your ob-gyn or other health care professional about an infertility evaluation or find a fertility center near you to learn more about IVF treatments. If you are age 35-40, this shortens to 6 months before you should seek evaluation for in vitro semination treatment or other alternatives. If you are older than 40 years, an evaluation is recommended before trying to get pregnant.

For healthy couples in their 20s and early 30s, around 1 in 4 women will get pregnant in any single menstrual cycle. By age 40 years, around 1 in 10 women will get pregnant per menstrual cycle. A man's fertility also declines with age, but not as predictably as a woman's fertility.

Women become less fertile as they age because they begin life with a fixed number of eggs in their ovaries. The number of eggs decreases as women get older. Also, the remaining eggs in older women are more likely to produce embryos with abnormal chromosomes which can make it more difficult to get pregnant, increase the chances of miscarriage when a woman becomes pregnant and/or increase the chances of abnormalities in her baby ("birth defects"). As women age, not only does the quantity of eggs decline but the quality of those eggs declines as well.

Some women find themselves faced with medical conditions requiring treatment that may result in a loss of fertility such as chemotherapy and or radiation. Others desire to delay starting a family for a variety of personal reasons such as career, school or not being "ready" to be a parent.

Egg freezing retrieval provides women with the possibility to have a biological child when they are ready but it does not guarantee a future baby.

About 90 percent of eggs survive freezing and thawing, and about 75 percent will be successfully fertilized. The chances of becoming pregnant after implantation are roughly 30 to 60 percent, depending on your age at the time of egg freezing.

The older you are at the time of egg freezing, the lower the likelihood of a live birth. Pregnancy rates might be lower when frozen eggs are used, compared with fresh or frozen embryos.

The optimal age to freeze eggs is before age 38, but any woman should consider egg freezing if they plan to delay a family. If you are 38 years old or older, it is important to have a realistic conversation with your physician about how many eggs could likely be retrieved, how many eggs would likely be needed to produce an embryo in the future and his/her overall thoughts on your likelihood of success based on your age and other contributing factors.

The number of eggs a woman needs is dependent upon her age, but age is only one predictor and not every 35 year old or 40 year old are the same.

The number of eggs you chose to freeze should be discussed with your physician prior to treatment start. It may take more than one round of egg freezing to obtain all the desired eggs.

After your doctor does an evaluation to determine that you are a candidate for egg freezing, you will proceed with 10-12 days of daily injections. The goal of these injections is to stimulate a group of eggs to grow and mature and be available for retrieval. During this time period, you will visit the clinic every 2-3 days for lab test and ultrasounds to evaluate how you are responding to the medication.

Once your doctor determine your follicles (the space where eggs grow) are at optimal size and number for you, you will be directed to administer a "trigger shot" which causes the final maturation of the follicles and the beginning of ovulation.

Approximately 34-36 hours after your trigger shot, you will be scheduled for your egg retrieval. The egg retrieval is a brief (15-30 minutes) outpatient procedure performed under mild anesthesia. Once the eggs are retrieved, they will be evaluated by the clinic's embryology team and the usable eggs will be stored indefinitely. You typically will need to pay a monthly or annual fee for the egg storage going forward.

To transfer frozen embryos, your uterine lining, or endometrium, must be at the correct "phase" of development for implantation to occur. This is usually achieved with a combination of estrogen and progesterone.

Estrogen is administered orally, vaginally or transdermally (patch) for 2-4 weeks and the growth of the uterine lining is monitored with ultrasound. When the lining is of adequate thickness, progesterone is added and the embryo transfer is scheduled.

Once progesterone treatment has started, the transfer must occur within a very specific time frame to ensure that the developmental phase of the lining matches that of the frozen embryos.

Embryo transfer is generally not done under anesthesia. The number of embryos to be thawed and transferred will have been discussed by your physician prior to initiating your cycle. Rarely, embryos will not survive the thawing process and additional embryos, if available, will be thawed to reach the number planned for transfer.

Your physician and embryologist will review the status of your embryos with you prior to your embryo transfer. A blood pregnancy test will be performed around 9-14 days after transfer.

Together with your physician you will come up with a number of embryos to transfer. Based on the American Society of Reproductive Medicine (ASRM) and Society for Assisted Reproductive Technologies (SART) data guidelines for the limits on number of embryos to be transferred continues to support and promote singleton gestation and reduce the number of multiple pregnancies.

A twin (or higher multiple) pregnancy is much riskier to both the woman and the growing fetus/babies. The general goal is to have one healthy baby at a time.

Preimplantation genetic testing (PGT) is not necessarily a recommended component for all patients undergoing IVF, although the frequency of its use is rapidly increasing.

Preimplantation genetic screening (PGS or PGT-A) tests an embryo for an abnormal number of chromosomes which does increase with the aging of eggs.

PGS can also determine the gender of the embryo. Some of the common reasons a patient/couple might choose PGS are:

• Women 35 years or older

• Recurrent 1st trimester pregnancy loss

• History of chromosomally abnormal pregnancy

• Previous IVF failure

• Family balancing of genders

• Reduction of 1st trimester loss – improving efficiency of IVF

A chromosomally tested embryo will not always result in a pregnancy. Factors other than those tested (ie, specific genes), the metabolics of the embryo and the uterine environment all affect the pregnancy outcome.

Individuals who are known carriers of a specific genetic disorder (such as cystic fibrosis or Tay- Sachs) or chromosomal translocation or inversion may elect to do preimplantation genetic diagnosis (PGD or PGT-M) to identify embryos affected by the known condition.

If you have not yet completed your family, you can continue to store your embryos at the clinic or you may need to transfer them to a long term storage facility for future attempts at pregnancy. Typically, you must pay a monthly or annual storage fee. If you have completed your family, there are four main options regarding your remaining embryos:

• Dispose of your embryos
• Donate them to the lab for quality control (staff training and development)
• Donate them to another couple for reproductive purposes
• Donate them for scientific research

The ERA biopsy is a test designed to identify the ideal window for implantation of pregnancy. For most women, this window occurs after the lining of the uterus has been exposed to five full days of the hormone progesterone. In some women, however, this implantation window can be skewed.

The ERA test will determine if additional or less progesterone exposure is needed and will help your physician determine the best protocol to use for your FET cycle prep. This test is ideal for women who have had recurrent failed FET cycles or recurrent miscarriages.

The test will be performed on the same day in your FET cycle prep that your FET would take place. The biopsy is typically performed as an in office procedure with no recovery time needed.

Future Family is the only company that offers personalized loans for IVF and egg freezing. We offer flexible monthly payment plans as a new way to pay for IVF. Our loans for IVF are designed to include your fertility-related healthcare costs in one place, based on your specific needs.

As part of Future Family's membership, you are partnered with a dedicated Fertility Coach to make your IVF and egg freezing treatments smooth and stress-free.

We are nationwide and have in-network locations in all major metros so that we make it easy to move forward at a fertility IVF clinics near you in our network.

We have a nationwide network of fertility clinics. With Future Family, you will receive care from the best fertility doctors near you at an in-network fertility clinic. We provide the best IVF experience and a way to pay for IVF.

Yes, we can work with your company's insurance coverage for IVF to create a complete loan to cover the costs around in vitro fertilization or egg freezing.

You will need to create a Future Family login by clicking on "Get Started" from our web site, www.futurefamily.com. If you have already done so, log in to your dashboard and select "Prequalify." Complete all questions to submit your credit check.

You will be notified via email of your status. Once completed, a member of our accounts team will reach out with next steps to secure IVF treatment costs, and create a personalized way to pay for your IVF process.