IVF Pay offers flexible finance for fertility treatment, created from personal experience. Find out how much you could borrow for your treatment at Stellar Fertility.
Check how much you could borrowHow it works
Find out how much you could borrow. No credit check and no documents needed at this stage.
We'll usually be in touch within 1 business day with your indicative pre-approval and next steps.
When you're ready, complete your full application. This includes a credit check and our assessment of your situation.
Repayment calculator
Choose your amount, term and credit score to see what your repayments could look like.
Rates are fixed and range from 10.00% to 22.00% p.a. Not sure of your score? You can check it free with Equifax. Your actual rate is set when we assess your full application, including a credit check, and doesn't change after approval.
Estimate only — not a quote or an offer of credit. Your credit score band is a guide; your actual rate depends on our credit assessment. All lending is subject to credit assessment and approval.
Based on a loan of $11,000 over 4 years with 48 monthly repayments, including the $10 monthly fee and a $150 establishment fee:
| Interest rate | Comparison rate | Monthly repayment | Total payable |
|---|---|---|---|
| 10.00% p.a. | 12.61% p.a. | $288.99 | $14,021.52 |
| 22.00% p.a. | 24.47% p.a. | $356.57 | $17,265.36 |
Fees: establishment fee $100 ($2,001–$5,000) or $150 ($5,001–$15,000), $10 monthly fee, $1.99 direct debit fee per transaction, $19 dishonour fee. No early repayment fees.
Why IVF Pay
Created from personal experience, by a team that understands what you're going through.
On loans over $5,000, switch to interest only repayments for up to 12 months during treatment or recovery.
Up to $15,000 per cycle and $50,000 in total active lending, so another round doesn't mean starting again.
Your rate is fixed for the life of the loan, every fee is disclosed upfront, and there are no early repayment fees.
Get started
What are you looking for today?
How much do you need to borrow?
Eligibility criteria apply, including minimum income. Only borrow what you can afford to repay, including if your circumstances change. Read our Credit Guide and Target Market Determination before applying.
Application
Questions
No. Your pre-approval doesn't involve a credit check, so your credit score isn't affected. When you proceed to a full application, we conduct a credit assessment which will appear on your credit file, and we'll let you know before we run it. A pre-approval is not a guarantee of credit.
Your loan is provided by IVF Pay Pty Ltd (Australian credit licence 576437). Stellar Fertility does not provide credit or financial advice, and is not responsible for the assessment of your application.
From $2,001 up to $15,000 per treatment cycle, with repayment terms from 6 months to 5 years depending on the amount. The amount you're offered depends on your circumstances and our credit assessment.
Our rates range from 10.00% to 22.00% p.a. fixed (comparison rates 12.61%–24.47% p.a.*). Your rate is set when we assess your full application, based on your credit history and Equifax credit score. Once approved, it's fixed for the life of the loan. Any rate discussed at pre-approval is indicative only.
We aim to come back to you as quickly as possible, usually within 1 business day of receiving your pre-approval request.
Yes. There are no early repayment fees, so you can pay your loan off ahead of schedule without any penalty.