Making IVF costs clearer
for Australians

Credle helps you compare IVF clinics, understand what treatment usually costs and see the ways people pay for it.

About Credle

Credle started with a simple idea: comparing IVF clinics and costs shouldn’t be this hard. We bring Australian clinics together in one place, with plain information on fees, Medicare and what to ask at your first appointment. If you’d like help paying for treatment, we can refer you to licensed brokers and/or lenders who hold an Australian Credit Licence or act as authorised credit representatives. Credle isn’t a lender and doesn’t give credit advice. The broker or lender makes every credit decision, and Credle may receive a fee or commission if you take out a loan through them. Credle was founded by people who know how much fertility treatment can take out of you. We want the cost side to feel a little simpler.

Wondering how to pay for IVF?

See the options people use, from payment plans to loans.

Got a question?

Didn’t find what you were looking for? Send us a message and we’ll respond with the details you need about IVF financing or the Credle process.

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Got Questions?

Common questions about IVF costs

Every Answer Starts With That Important Question.

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.

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.

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.