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Infertility Treatment Loans

For individuals and couples facing the heartbreak of infertility, modern medical advances are often viewed as miraculous. But many of the more effective infertility treatments come at a cost which is almost never covered by health insurance. This leaves individuals and couples to cover the costs out of pocket. In many cases, infertile individuals and couples obtain infertility treatment loans to cover their expenses. Among the sources for infertility treatment loans are banks or credit unions, finance companies and other responsible lenders like LoanNow.

financingBank and Credit Union Loans

Infertility treatment loans from banks and credit unions represent a potentially desirable financing option. Interest rates for bank loans and credit union loans tend to be lower than loans from other sources. Bank loans and credit union loans also have manageable monthly installment payment schedules. But banks (and to a lesser extent, credit unions) demand good or excellent credit from approved borrowers. Applicants with marginal or poor credit are often required to provide additional guarantees in the form of collateral or creditworthy co-signers in order to gain approval. In many cases, such borrowers are denied outright.

Finance Company Loans 

Finance companies represent another potential source for infertility treatment loans. Lending requirements are somewhat more lenient than for banks and credit unions, allowing many borrowers with marginal credit to qualify for approval. But finance company loans carry higher interest rates than bank loans. Finance companies also frequently require applicants to wait weeks for lending decisions, just like banks.

Credit Cards 

Some individuals or couples turn to credit cards to finance infertility treatments. Doing so allows them to avoid the need to seek infertility treatment loans. But credit cards represent revolving credit, which could ultimately result in individuals or borrowers paying far more than they would have by paying cash out of pocket or even taking an installment loan.

The LoanNow Choice 

For many individuals and couples, LoanNow presents the ideal solution for infertility treatment loans. Unlike banks and credit unions, LoanNow considers more than FICO scores in making lending decisions. LoanNow also does not require borrowers to wait weeks for lending decisions – unlike banks, credit unions and finance companies.  LoanNow loans are installment loans, not revolving credit. This means that payments made actually reduce the amount of outstanding debt, just like loans from banks, credit unions and finance companies. LoanNow combines the speed and convenience of credit cards with the manageability of bank loans. If you’re facing infertility, why not give LoanNow a try!

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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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