Home > IVF Loans with Jacaranda Finance

IVF Loans with Jacaranda Finance

Personal Loans up to $15,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

What is an IVF loan?

IVF Loans are a form of personal finance for Aussie couples that require fertility treatment to start a family. Basically, we offer personal loans for a variety of expenses from $1,000 to $15,000 and the repayment period will depend on the amount you borrow.

What constitutes infertility?

Infertility affects every 1 in 6 Australian couples of reproductive age. There are many different causes of infertility, including problems with sperm or egg production, hormonal or immune problems, and the function or structure of male or female reproductive systems. Couples battling with infertility can reproduce through IVF; however, the costs of treatment can grossly exceed your budget. As a result, Aussie couples can turn to IVF loans to help finance their dream of having a family.

IVF Costs: One Cycle Totals $9,495

The above data from IVF Australia was valid on July 1, 2018. Additionally, IVF Australia reports that intrauterine insemination (IUI cost) is $2,500 per cycle. Other treatment options that IVF loans Australia can cover include:

  • ovulation cycle tracking to establish ovulation periods;
  • artificial insemination;
  • preimplantation genetic diagnosis;
  • ovulation induction to help induce ovulation with pharmaceuticals.

Typically, couples considering one or more of these treatments have already spent a lot of money in assistance reproduction. Assisted reproductive procedures are stressful enough as it is, without added financial strain.

Jacaranda Finance is an award-winning Australian lender offering hopeful couples and individuals up to $15,000 for fertility financing. You can use the loan for any of the procedures listed above. All IVF loan applications are treated with the utmost confidentiality.

Where can I get IVF loans?

Yes! Basically, you can apply for a secured IVF loan from $2,100 to $15,000. This type of loan requires an asset to secure the loan like a boat, car, motorbike or caravan.

What are the most common fertility financing methods?

Australians often use credit cards to pay for fertility treatments in instalments. Some pay for the entire procedure upfront. Medicare rebates are available, but patients must pay the fees prior to processing of any partial rebate.

Some families may have credit card limits are high enough to cover upfront payments. Others have to rely on friends or relatives to lend them the funds required for fertility treatment financing.

Still, others find that the question of ‘how much does IVF cost’ is only the tip of the iceberg. Other questions like ‘how to pay for IVF by credit card?’ can pop up. In some cases, candidates don’t have a credit card because they have no credit history, or their limit is too low. Therefore, they cannot increase the limit on their credit card due to a poor credit score. Bad credit history may cause their credit card application to be declined.

Jacaranda Finance is a lender to turn to when you’re searching for a personal loan for IVF. We can approve loan applications for IVF loans or medical loans for IVF for everyday Aussie couples simply looking to start a family.

What are the treatment options?

Treatment options will vary depending on your circumstances. This is because there can be a wide variety of underlying issues that cause infertility, such as:

  • problems ovulating;
  • cervical or uterus problems;
  • damaged or blocked tubes;
  • endometriosis;
  • sperm count;
  • Various health, weight, or diet issues.

The most common treatment options include IVF, medication, and surgery.

How much is an IVF procedure with a loan?

The cost of loans for fertility treatment would reduce the cost of treatment by at least $1,000. Jacaranda Finance can provide an IVF loan from $1,000 to $15,000. You can apply regardless of your credit status. Our loan application process takes a few minutes to complete, and we can deliver a smart decision within the hour**.

You can apply for a small loan with Jacaranda Finance from $1,000 to $2,000. Our small loans are unsecured, we can approve clients with a good or bad credit history, and they can cover any kind of fertility treatment.

It is possible to get your application approved on the same business day**. If your application is approved, Jacaranda Finance will transfer the funds to your bank account and you can receive your loan in 60 seconds!*.

Customer Satisfaction

Jacaranda Finance is the proud winner of the Word of Mouth Service Award two years in a row – in 2017 and in 2018. And it’s not just this award that sets us apart from our competitors – our customer satisfaction rate speaks for itself. It’s a result of professional service, a readily available and helpful customer service team, and full consideration of everyone’s unique circumstances. If you have any questions or issues with your application or current loan, contact our friendly team now.

100% Personal Assessment

At Jacaranda Finance, we can understand the complexity of individual financial circumstances. Therefore, we review each application individually, looking at more than just your credit score to give every Aussie a fair go.

Can you get an IVF loan if you’ve declared bankruptcy?

You are eligible for an unsecured loan if you have:

  1. court judgements and summons;
  2. credit defaults;
  3. Are currently under or discharged from a bankruptcy agreement;
  4. Have been discharged from a part 9 debt agreement for over a year.

Unfortunately, you are not eligible if you are under a part 9 debt agreement at present. However, applicants with credit defaults, court judgements and summons, part 9 debt agreements and bankruptcy agreements can apply for secured loans in any amount. Please keep in mind that there will be other criteria applicants are required to fulfil during the assessment process.

Can I get a personal loan while on maternity leave?

Maternity can be a tricky time for a new family. So you can certainly apply for a personal loan while on maternity leave. We offer maternity leave loans from $1,000 to $15,000, and the repayment period will depend on the amount you borrow.

If you’re getting a loan while on maternity leave, we’re in your pocket and ready to give you a fair go for life’s hurdles, big and small.

Submit a maternity loan application today, receive a smart decision within 60 minutes (depending on when you apply), and if approved, you could have your loan in 60 seconds*.

Do we offer IVF loans for bad credit?

Yes, we can! We can give applicants with bad credit a fair go on the fertility finance they need. As part of our assessment policy, we look at more than just your credit score. We also assess your current relationship with money, including your income and expenses.

We pride ourselves in helping applicants who are ready to get back on track, no matter their credit score. Consequently, it may be possible to get a loan depending on your level of bad credit.

So, if you’re searching for fertility loans for bad credit, Jacaranda Finance is the lender to bank on. Apply in minutes for a smart, speedy decision within the hour**.

Can I apply for an IVF loan?

In short, to be eligible for fertility financing you simply need to meet a few basic requirements:

  • Must be at least 18 years old;
  • be an AU citizen or permanent resident;
  • Have a regular income in a personal account for at least 3 months;
  • Have a valid mobile number and email address.

The only way to apply is online because we need to see a copy of your bank statement. We will only be able to open it in read-only format, so there’s no need to worry about data safety.

It takes most people a few minutes to apply online for cash loans. We will process and start reviewing your application as soon as we receive it. It may take longer to perform an assessment if we find additional documentation is required.

What loans do we offer?

Jacaranda Finance provides 3 types of personal loans. These are:

Loan Type Secured Options Loan amount Loan term
Small Loan Unsecured $1,000 to $2,000 12 months
Medium Loan Secured $2,001 to $4,600 13 to 36 months
Large Loan Secured $5,000 to $15,000 13 to 36 months

How do I know my data is secure?

Privacy is up for debate and like everyone else, Aussies are concerned about how their data is used and access by third-party providers. Financing can be a sensitive area and fertility financing – even more. You might not want anyone to know you applied for such, least of all your boss!

A lot of applicants wonder if anyone sees their online banking log-in details when they provide an electronic bank statement. Please rest assured that no one can access these details. We use third-party encryption to secure your data. We store them in a highly secure data centre that then generates read-only copies of your account statements.

Nobody can view your account, change banking details, or set up direct debit or standing orders without your consent. Our online system is fast and safe. Your data is protected by stable, reliable security systems, guaranteeing much-needed peace of mind. Amid your financial concerns, there is no need to worry about data protection.

100% Confidential Review

Jacaranda Finance will review your bank statement information to help us make an accurate assessment of your loan application. This information will also help us to manage your credit and evaluate any future applications. Unfortunately, we don’t accept bank statements in paper format. Moreover, paper format documents are in no way safer than electronic form. For example, they are much easier to misplace.

What is instant banking?

Instant banking is a new payment method that enables speedy transfers between any bank! Jacaranda Finance is one of the first Australian lenders to enable instant banking when you borrow money. If approved, most people receive their money within 60 seconds*! So, don’t wait for the loan you need – get back to what you do best and don’t let transfer times stand in your way.

Apply for an IVF loan with Jacaranda Finance now!

If we approve you and offer you a loan contract, you have a wealth of options available, including early repayment. Get in touch with us within regular business hours if you have any questions for a quick response. We can provide a statement of funds owed at any time. So, if you’re struggling with repayments, talk to us about it. We’re on hand to help.

*most people have their money in their bank account once they are approved and have accepted their contract within 60 seconds

**depending on when you apply and your financial circumstances


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Reviews current as of June, 2021.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.