In Vitro Fertilisation (IVF) loans

An IVF loan with repayment flexibility can make all the difference when it comes to starting a family.

If you're considering in vitro fertilisation (IVF) to start a family, you’ll most likely know by now that the process entails noticeable expenses. If you don't have the available funds, you may want to consider a loan that can cover the costs of IVF.

Find out how these loans work and how you can apply in this guide.

HSBC Personal Loan Offer

HSBC Personal Loan


9.50 % p.a.

fixed rate


10.06 % p.a.

comparison rate

  • Competitive interest rate
  • Additional payments OK
  • Borrow up to $50,000
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100% confidential application

HSBC Personal Loan Offer

A flexible personal loan from HSBC with an interest rate tailored to you. Early and additional repayments allowed.

  • Interest rate from: 9.50% p.a.
  • Comparison rate: 10.06% p.a.
  • Interest rate type: Fixed
  • Application fee: $150
  • Minimum loan amount: $5,000
  • Maximum loan amount: $50,000
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Compare unsecured personal loans for IVF

Rates last updated July 24th, 2018
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
HSBC Personal Loan
From 9.5% (fixed)
1 to 5 years
A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.
Citi Personal Loan Plus
From 8.99% (variable)
3 to 5 years
Borrow up to $75,000 to use for a range of purposes. You’ll receive a rate of between 8.99% p.a. and 17.99% p.a. depending on your risk profile. (Comparison Rate of 9.96% p.a. to 18.91% p.a.)

Compare up to 4 providers

What loan options do I have for IVF?

  • Unsecured personal loan. As these loans, which can be from a bank, credit union or standalone lender, can be used for any purpose you can use the funds to pay for IVF treatment. However, keep in mind some lenders will not lend for IVF, so check this before you apply.
  • Medical loan. Specialised medical financing companies offer loans to cover a range of medical treatments, including IVF.
  • Bad credit IVF loan. Those with bad credit may still be able to access financing for IVF. Unsecured bad credit personal loans are an option to consider, as are specialised medical loans for bad credit individuals.

What are the benefits of these loans?

  • Range of loan options. Depending on your eligibility for these credit options, you can have your choice between a specialised medical loan, credit card and unsecured personal loan and IVF.
  • Structured or ongoing credit. If you opt for a credit card or line of credit personal loan you can redraw the funds you repay as and when you need. Unsecured personal loans and medical loans give you a lump sum that you repay over a set term.
  • Choose a loan to suit your budget. As there is a range of options available you can choose the most competitive option.

Things to avoid about IVF loans

  • Interest rates. Some IVF loans attract high interest rates, resulting in you paying much more over the course of your loan. If you have a poor credit history, expect to pay a higher than average interest rate.
  • Hidden fees and charges. When you apply for an IVF loan, go through its fine print to look for a list of fees and charges you might have to pay during the course of the loan. These can include application fees, loan disbursement fees, early exit fees and late fees.

How to apply for an IVF loan

Many lenders allow you to complete online applications for IVF loans, so you can start the shopping process by comparing loans in the table on this page. The eligibility criteria and application process will differ depending on the lender you opt for.

  • You should be a permanent Australian resident
  • You should be at least 18 years of age

When you begin filling out an IVF loan application, keep in mind that you have to enter a variety of information, so make sure you can provide the following:

  • Contact details like phone number, email address and mailing address
  • Employment-related information
  • Details of liabilities
  • Details of assets
  • Details of income
  • Details of expenses

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HSBC Personal Loan

A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.

Harmoney Unsecured Personal Loan

Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a.. based on your credit history.

SocietyOne Unsecured Personal Loan

Based on your risk profile, you will receive a tailored rate between 7.5% and 20.49% with a SocietyOne personal loan.

Latitude Personal Loan (Unsecured)

An unsecured loan with a tailored rate from 13.99% p.a. to 29.99% p.a. designed for multiple purposes including renovating, buying a car or travelling.

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