FigCare Pay helps patients spread the cost of eligible fertility treatments, procedures, and reproductive care into manageable monthly payments through financing options from multiple lending partners.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
IVF and fertility financing helps make treatment costs more manageable, giving patients a flexible way to pay for care as they move forward on their path to growing their family.
Fertility care is one of the largest out-of-pocket expenses many patients ever face. A single IVF cycle commonly runs $20,000 to $25,000, insurance coverage varies widely by state and employer, and many patients need more than one cycle. Faced with that total upfront, a patient who is ready to begin can delay treatment, choose a lesser plan, or leave to price-shop.
A way to pay over time changes that. When patients know they have options, more of them start treatment and stay with your practice through the cycles their care requires.
With IVF and fertility financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient can begin their treatment plan.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your team back time for patients.
Keep Your Fees
Offer a flexible way to pay without discounting your cycle pricing or packages.
Key Takeaways
Fertility financing lets a patient pay for a treatment cycle or package in monthly installments, while your practice is paid in full once the loan funds.
The patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice receives the full amount when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects fertility clinics and reproductive medicine practices with a network of lenders that help patients finance IVF, egg freezing, donor cycles, and multi-cycle packages. Because coverage is inconsistent and treatment is high-cost, a clear way to pay is often what turns a consultation into a started cycle.
| Stage | What Happens |
|---|---|
Step 1 Apply | The patient applies through your financing link and sees the monthly payment options they qualify for. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Begin Treatment | The loan funds, your practice is paid in full, and the patient begins their cycle. |
Offer monthly payments through a lender, so patients pay over time while you keep your full fee and skip the billing and collections.
When a patient hesitates at the cost of a cycle, it is rarely because they doubt they want treatment. More often, paying twenty thousand dollars or more upfront feels impossible. Discounting cuts into your cycle pricing, and running your own payment plan or a shared-risk program puts financial exposure and administration on your practice. Financing keeps both off your plate: your patient pays over time, and the lender manages repayment.
Because fertility care depends heavily on out-of-pocket revenue, that predictability helps you plan around lab capacity, staffing, and the multi-cycle journeys your patients travel.
Patients most often finance IVF cycles, IVF with genetic testing and add-ons, egg freezing, donor cycles, IUI, and multi-cycle packages.
Financing fits fertility care that patients pay for themselves, though eligibility for any specific treatment ultimately rests with the lender.
IVF Cycle
$20,000 – $25,000
A complete in vitro fertilization cycle, the most common reason patients seek fertility financing.
IVF With PGT & Add-Ons
$23,000 – $30,000
Cycles with genetic testing, ICSI, and frozen transfer added to the base plan.
Egg Freezing & Preservation
$6,000 – $12,000 per cycle
Fertility preservation cycles, plus ongoing storage fees patients often plan around.
Donor Egg & Donor Cycles
$25,000 – $45,000
Donor egg, donor sperm, and related cycles, among the highest-cost fertility plans.
IUI
$500 – $4,000
Intrauterine insemination, often the first treatment step before IVF.
Multi-Cycle & IVF Packages
$25,000 – $50,000
Bundled multi-cycle plans, which patients frequently finance as a single amount.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
A single IVF cycle typically runs $20,000 to $25,000 all-in, and many patients need more than one cycle, so total costs often climb well beyond a single cycle.
Pricing varies by clinic, medications, and add-ons, and coverage differs by state and employer. The figures below reflect common ranges; because most of this care is paid out of pocket, financing helps patients commit to a full treatment plan. For patient education on treatment options and standards of care, practices can point to the American Society for Reproductive Medicine.
| Treatment | Typical Cost |
|---|---|
| IVF, single cycle (all-in) | $20,000 – $25,000 |
| Base IVF cycle (before medications) | $12,000 – $18,000 |
| Fertility medications | $1,500 – $7,000 |
| Genetic testing (PGT-A) | $3,000 – $6,000 |
| Egg freezing (per cycle) | $6,000 – $12,000 |
| IUI (per cycle) | $500 – $4,000 |
| Donor egg cycle | $25,000 – $45,000 |
Figures are illustrative typical ranges; actual pricing varies by clinic, medications, add-ons, and region, and insurance coverage differs by state and employer.
Make monthly payments a normal part of the financial consultation, presented with care alongside any insurance benefits the patient has.
Fertility is a sensitive decision, so a calm, consistent sequence helps patients weigh their options without pressure.
Make financing visible before and during the financial consultation, on your website, new patient forms, and at the treatment-plan review.
The earlier patients know that paying over time is an option, the more likely they are to begin, so financing should read as a normal choice rather than a last resort.
Before the Consultation
During the Financial Consult
Financing pays your practice in full upfront and hands repayment to the lender; in-house plans and shared-risk programs leave financial exposure and administration on your practice.
Fertility practices collect payment in several ways, and the real difference is how much time and risk each one puts on your team.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Cycles, packages, and multi-cycle plans |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Smaller balances like IUI or meds |
| Shared-Risk / Refund Program | Over the program | The practice / program | Moderate to high | Eligible multi-cycle candidates |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
Consider a patient who enrolls in a $22,000 IVF cycle. With your own plan or a shared-risk program, your practice carries the balance and the administration. With financing, the patient borrows for the cycle, the loan funds, and you are paid in full while the lender handles repayment and sets the rate, term, and approval. Financing can also sit alongside a shared-risk program, covering the patient’s portion.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients a flexible way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly, the lender sets the rate and term, and once the loan funds your practice is paid according to your agreement.
During the application, the patient may be asked for details about their identity, income, and credit, and the lender decides the offer, including the rate, any fees, and the term.
The process varies from one lender to the next, and some let patients preview their options before a full application. Once everything is finalized and the loan funds, your practice is paid per your arrangement.
The loan is between the patient and the lender, so repayment issues follow the lender’s policies, while cancelled or delayed cycles follow your own refund and financial-agreement terms.
If a Patient Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your financial agreement and the care you have delivered.
If a Cycle Is Cancelled or Delayed
Cycles are sometimes cancelled or postponed for medical reasons. Spell out in your financial agreement how you handle cancellations, and how any refund interacts with the patient’s loan.
If a Patient Cancels Treatment
Set your refund policy clearly before treatment begins. Any refund or adjustment follows your financial agreement and the lender’s terms.
Keep your pricing clear, present financing as one option among several, never imply a guaranteed pregnancy or outcome, and send every question about rates and terms to the lender.
Describe treatments and expected outcomes accurately, put your treatment plan and financial agreement in writing, and frame financing as a way to pay, never as a promise of a live birth or specific result. When you market success rates and patient testimonials, keep them truthful, properly contextualized, and consistent with recognized reporting standards.
| Do | Avoid |
|---|---|
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If you offer IVF, egg freezing, donor cycles, or multi-cycle packages and regularly see cost stall treatment, financing is likely a strong fit.
When patients say some version of “we want to do this, but we cannot pay for it all right now,” a flexible way to pay keeps cost from ending the conversation and helps more of them begin, and complete, the treatment their care requires.
Add monthly payment options to the financial consult you already run, keep your fees, and get paid in full once the loan funds.
FigCare Pay helps fertility clinics build financing into their existing process, so cost is one less reason a patient delays or leaves before starting treatment.
Ready to Add Financing to Your Fertility Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. Cost figures are illustrative typical ranges and do not reflect any specific practice’s pricing or guarantee an outcome. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
Offering financing helps more patients start treatment when the upfront cost of a cycle would otherwise stall or delay them. Your practice is paid in full once the loan funds, the lender handles repayment, and you keep your cycle pricing intact instead of discounting or carrying a balance.
Financing removes cost as the reason a ready patient walks away or price-shops, so practices that present a monthly-payment option typically convert more consultations into started cycles. It also helps patients commit to medically recommended add-ons and additional cycles rather than trimming their plan to fit a budget.
Your practice is typically paid in full once the loan funds and any funding requirements are completed, rather than collecting over months on an in-house plan. Exact timing depends on the lender and financing product, so follow the funding steps your financing provider outlines.
Practices commonly offer financing for IVF cycles, IVF with genetic testing and add-ons, egg freezing and fertility preservation, donor cycles, IUI, and bundled multi-cycle packages. Eligibility for any specific service is determined by the lender.
You add financing to the financial consult you already run: your practice gets a financing link to share, patients apply and choose an offer, and you are paid in full once the loan funds. Request information to see how quickly your clinic can start offering monthly payment options.
Yes, financing is often used to cover the out-of-pocket portion insurance does not, and to fund additional cycles when the first does not succeed. That makes it a practical fit for the multi-cycle journeys common in fertility care, and it can be presented right after you confirm a patient’s benefits.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.