What are the credit requirements? Will this affect my credit score?

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We require a FICO score of 680 or higher to get started. Checking your rate or prequalifying for a loan will not affect your credit score when applying for Future Family’s personal invitro fertilization financing.

What are your interest rates?

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Our interest rates are some of the lowest in the industry from 7.99%-15.99%. 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 7% to 15%. For example, if you take out a Future Family loan for $18,000 with an APR of 8% and a 60-month term, Future Family will disburse $18,000 to vendors on your behalf and you will make 60 monthly payments of $364.98. Alternatively, if you take out a Future Family loan for $18,000 with an APR of 15% 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. Our financing plans do not charge upfront loan fees, but there are membership fees associated with our membership and concierge offerings. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures as required by Future Family or A-Frame Capital, LLC.

State Licenses:

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

Pennsylvania - Consumer Discount Company License No. 71692

What are the monthly payments?

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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.

How long does it take to get approved?

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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.

Can I pay off my loan early?

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Absolutely! We never have any pre-payment or additional payment penalties for your egg freezing or IVF loans.

How do I get the money?

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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.

Why was my application declined?

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In order to qualify for a Future Family plan to pay for IVF or egg freezing you must fit the following qualifications:

  • FICO credit score of 680 or higher
  • Annual income above $40,000
  • Either a US citizen, permanent resident or legally able to work in the US with residence in the US for at least two years
  • No bankruptcy in the past 2 years
  • Must have health insurance

I didn’t get preapproved -- now what?

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

  • Add a cosigner to your plan here
  • Have a family member take out a loan on your behalf: here.
  • Re-apply in 30 days. Check out ways to increase your credit score here.

What are the cosigner requirements?

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In order to add a cosigner to your IVF treatment loan plan, your credit score must be 650. Your cosigner should have a credit score of 720 or higher and an annual income to support your in vitro fertilization payment plan.

Can someone else take out a loan on my behalf?

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Yes! We offer a Family Plan where a family member who has a credit score of 720 or higher and the income to support your plan can take out a loan for IVF or egg freezing and make payments on your behalf.


Sign up for Membership today

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Contact us

If you have any questions, email us at customercare@futurefamily.com