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Fertility Treatment Loans

Infertility can be heartbreaking for individuals and couples striving to start or add to their families.  Medical advances have made it possible for many individuals and couples to have children who would previously have been unable to do so. But procedures such as in-vitro fertilization can be extremely expensive, with patients completely responsible for the costs.

That’s because health insurance policies normally do not cover fertility treatments. Nor is it possible to draw from Health Savings Accounts or Flexible Spending Accounts to pay for such treatments without incurring a significant federal income tax liability.  While fertility treatment loans are available from several sources, LoanNow may ultimately prove to be the best choice. 

financingHome Equity Loans 

Before the financial crisis and Great Recession, home equity loans were a popular form of credit. The housing bubble virtually guaranteed that nearly every homeowner had access to nearly some funding for loans. While home equity loans are less common now than before the housing crisis, they still exist as a source for fertility treatment loans.

Drawing on Retirement Savings 

Creating fertility treatment loans by borrowing from retirement accounts is another option, but one that carries significant drawbacks. The IRS charges stiff penalties for early withdrawals from conventional Individual Retirement Savings accounts, which normally allow deposits with pre-tax dollars. Withdrawals from funds deposited from Roth accounts can be made without tax penalties. Nonetheless, the funds you withdraw no longer earn interest, which can result in a significant reduction in the amount of money available after retirement. 

Bank Personal Loans 

Banks are definitely an option for fertility treatment loans – at least for borrowers who have high FICO scores and significant assets. The underwriting requirements for bank loans can be stringent. Applicants with marginal credit profiles are often required to provide a co-signer or collateral to be approved. The process for applying for bank loans can also be extremely lengthy, with applicants often waiting weeks to receive a response.

fertility-treatment-loansThe LoanNow Option

As a non-bank lender offering personal loans, LoanNow is definitely a possible source for fertility treatment loans. Unlike banks, we don’t just go by your FICO score and your credit report – so we’re often able to say yes when banks say no. We also don’t make you wait weeks for a decision. Most applications receive a response within 24 hours. LoanNow can provide the financing you need for fertility treatments, allowing you to concentrate on growing your family. Why not give LoanNow a try today?

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* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

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