See clinics near you, what treatment usually costs and the ways people pay for it, all in one place.
Credle brings Australian IVF clinics together with plain information on fees, Medicare and what to ask. If you’d like help paying for treatment, we can point you to licensed brokers and/or lenders.
The price on a clinic’s website is only part of the picture. Here’s what’s worth knowing before you compare.
A first IVF cycle at a large private clinic has a published fee of about $12,000 to $13,400. After Medicare, out of pocket is often closer to $6,400 to $7,600.
Medicare rebates and the Extended Medicare Safety Net can cover a good share of the cycle fee, and some states, like NSW, offer an extra rebate.
Scans, medicines, frozen transfers and embryo storage are often billed separately, and some people need more than one round.
Read: IVF costs in Australia explained | Browse all IVF Guides
Figures are a guide from published clinic fees, checked October 2026. Your experience and circumstances are unique, so always consult with your health professional.
Choosing the right fertility clinic can feel complex, especially when pricing and success rates vary. Our platform brings everything together so you can compare clinics with confidence and clarity.
Clinic data is checked and regularly updated for accuracy and transparency.
Read authentic feedback and experiences from people who have been through treatment themselves.
Compare multiple clinics side by side in minutes and start short-listing the ones that suit your needs.
Join thousands of couples who've found their path with Credle
See what a financial back-up plan could look like. This calculator gives you a rough idea of repayments. It’s a guide only, not a quote or an offer.
Credle isn’t a lender and doesn’t give credit advice. We refer you to licensed brokers and/or lenders, who make all credit decisions, and we may receive a fee or commission if you take out a loan through them. Read the full referral disclosure
Every Answer Starts With That Important Question.
01
How do I choose an IVF clinic?
Most people start with location, cost and how comfortable they feel with the team. It helps to ask each clinic for a written quote, what’s included in the cycle fee and how they’ll support you along the way. Our guide to choosing an IVF clinic has a list of questions to take to your first appointment. Your experience and circumstances are unique, so always consult with your health professional.
02
How much does IVF cost in Australia?
It depends on the clinic, the treatment and your Medicare position. A first IVF cycle at a large private clinic has a published fee of about $12,000 to $13,400, and after Medicare the out-of-pocket cost is often closer to $6,400 to $7,600. Extras like medicines and embryo storage can be billed separately. Our IVF cost guide breaks it down.
03
What kind of loan can I use to finance IVF treatment in Australia?
In Australia, you can use a personal loan or a medical-purpose loan to help cover fertility treatments such as IVF, ICSI, egg freezing, donor programs or embryo storage. These loans function like standard personal loans: you receive a lump sum, then repay in regular instalments over a set term. It’s helpful to compare your options and understand the terms before borrowing. For guidance on personal loans and how they work, visit the official government consumer site.
04
How much can I borrow for IVF treatment in Australia?
Most IVF cycles in Australia cost between $8,000 and $15,000, though costs may rise with medications, storage and additional procedures. Through Credle you can explore loan options from licensed credit providers, typically from about $5,000 to $50,000 with terms from 12 to 60 months, subject to the provider’s assessment and terms. Credle connects you with those providers and does not underwrite or fund loans. Interest rates, fees and comparison rates are disclosed by the credit provider in accordance with Australian credit law.
05
Is IVF financing safe and regulated in Australia?
Yes. IVF financing in Australia is considered a regulated form of consumer credit under the National Consumer Credit Protection Act 2009 (NCCP Act), which is enforced by the Australian Securities and Investments Commission (ASIC). Any lender or finance platform offering IVF loans must hold an Australian Credit Licence or operate under one, and must comply with responsible lending obligations that assess your ability to repay before approval. Borrowers are also protected through the Australian Financial Complaints Authority (AFCA), which provides independent dispute resolution for credit matters.
Look through clinics near you, then work out the costs when you’re ready.
Look through clinics near you, then work out the costs when you’re ready.
