Find out how much you may be able to borrow. There is no credit check to get your indicative figure, so checking leaves no mark on your credit file — a credit check only happens later, if you decide to go ahead with a full application. Fertility treatment is the only thing we finance, built by someone who's been through it.
Form takes 3 minutes · Indicative response within 24 hours
Important: Credit is subject to full assessment and approval. An indicative pre-approval is not a guarantee of credit. Failure to meet repayment obligations may affect your credit report. Lending is subject to our responsible lending obligations.
IVF Pay Personal Loan
per IVF cycle
Loan terms: $2,001–$5,000 over 6 months to 2 years, or $5,001–$15,000 over 1 to 5 years
Interest rate: 10.00%–22.00% p.a. fixed, based on credit assessment
Representative examples: A loan of $11,000 over 4 years at 10.00% p.a. fixed (comparison rate 12.61% p.a.) results in 48 monthly repayments of $288.99 (incl. $10 monthly fee); total amount payable $14,021.52 including a $150 establishment fee. At 22.00% p.a. fixed (comparison rate 24.47% p.a.), 48 monthly repayments of $356.57; total amount payable $17,265.36.
Lending subject to credit assessment and approval. Fees, charges and conditions apply. An indicative pre-approval is not a guarantee of credit.
IVF Pay Pty Ltd ABN 86 693 531 958 · ACL 576437 · AFCA Member 120279
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How it works
Fill in our quick eligibility form — it only takes a few minutes. There is no credit check at this stage so there is no mark on your credit file, and you'll receive an indicative pre-approval within 24 hours showing how much you may be able to borrow and what your repayments could look like. This is not a guarantee of credit. Any rate shown at this stage is indicative. Your actual rate is confirmed after the credit check in your full application.
Happy with your indicative figure? Complete your full application online. This stage does include a credit check, which you consent to as part of the form, and it is also where you upload supporting documents like payslips and ID.
We complete a full credit assessment and confirm your loan amount, interest rate, and repayment schedule. You'll receive your loan contract to review and sign digitally — no paperwork, no branch visits.
Once your contract is signed, funds are released so you can pay your clinic and focus on what matters — your treatment. The whole process typically takes just a few days.
Why IVF Pay
The eligibility check takes just a few minutes. We'll come back to you within 24 hours with an indicative figure — no credit check at this stage, and no commitment. A credit check only happens if you choose to submit a full application.
Check what you could borrowNo commitment · No credit check at this stage · Subject to full credit assessment