Apply For An IVF Loan Today?

Credle makes IVF funding simpler.

Credle connects you with licensed credit providers who understand the unique costs of fertility treatment, so you can compare options and apply with confidence. You’ll apply with a licensed credit provider. Credle is not the lender.

Begin your IVF Loan Application

Start your application today and get a decision from the lender within 24 hours.

Why Choose Credle

Credle helps you explore fertility financing through licensed credit providers, with clear terms and structured repayments. You’ll apply with a licensed credit provider. Credle is not the lender.

Tailored Funding

Apply for the amount you need, from one cycle to full treatment, with terms that suit your timeline.

Fully Regulated

Every loan is issued by licensed Australian credit providers under ASIC oversight.

Clear Costs

Charges, including any application fee and total repayments, are shown by the licensed credit provider before you commit. Credle is not the lender.

How IVF Financing Works

Exploring an IVF loan is simple. Follow these four steps to compare options with licensed credit providers. You’ll apply with a licensed credit provider. Credle is not the lender.

Apply Online

Complete the application with your treatment details. You’ll apply with a licensed credit provider. Credle is not the lender.

Get Pre-Approved

Receive a pre-approval decision from the licensed credit provider within 24 hours, subject to final verification. Credle is not the lender.

Choose Your Clinic

Use our directory to find the right IVF clinic or work with your preferred provider.

Start Treatment

Once a licensed credit provider approves an application, funds are released by that provider to you so you can begin treatment. Credle is not the lender and does not fund the loan.

Ready to Apply for an IVF Loan?

Not sure where to begin? Start your application online today. You’ll apply with a licensed credit provider. Credle is not the lender.

By submitting your details, you agree that Credle can pass them to a licensed broker and/or lender so they can contact you about finance. Credle may receive a fee or commission if you take out a loan through them. See our Privacy Policy.

Referral disclosure: Credle (Lending Capital Ventures Pty Ltd, ABN 27 658 767 714) is not a lender, doesn’t give credit advice and doesn’t arrange, approve or fund loans. If you choose to explore financing, we refer you to licensed brokers and/or lenders who hold an Australian Credit Licence or act as authorised credit representatives. They make all credit decisions using their own criteria, and approval isn’t guaranteed. Interest, fees and charges apply. Credle may receive a fee or commission from the broker or lender if you take out a loan through them. Before you apply, read the provider’s terms and target market determination, check the comparison rate and total cost, and think about whether the product suits your needs and whether you can comfortably repay it. If you’re unsure, the National Debt Helpline (1800 007 007) offers free financial counselling.

Got Questions?

Questions & Answers.

Every Answer Starts With That Important Question.

What can I use an IVF loan for?

An IVF loan can be used to pay for fertility-related expenses such as IVF cycles, ICSI, egg freezing, donor programs, medications and embryo storage. You apply with a licensed credit provider. Credle is not the lender. Funds are transferred by the provider so you can pay your fertility clinic or provider as needed.

How much can I borrow?

You can explore loan options from about $5,000 to $50,000, subject to each licensed credit provider’s assessment and terms. Credle connects you with those providers and does not underwrite or fund loans.

How long does approval take?

Most applicants receive an eligibility outcome from the licensed credit provider within 24 hours. Once your application is verified and approved, funds are released by the provider to your nominated account within one to two business days. Credle is not the lender.

Who is eligible to apply?

You can apply if you are an Australian resident over the age of 18 with a regular income. Applications are reviewed based on your financial position and ability to meet repayments under responsible lending requirements. Joint applications are accepted for couples undergoing treatment together.

Is IVF financing safe and regulated in Australia?

Each loan is issued by a licensed Australian credit provider. Credle connects you with those providers and does not underwrite or fund loans. Products are subject to the provider’s terms and Australian credit law.