Family Planning Loans
Family planning financing? Worth every penny.
Grow your family with a $5K-$100K personal loan and you could save on monthly payments compared to high-interest credit cards. Fixed personal loan rates range from 8.74% APR to 35.49% APR (with all discounts)57.
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Checking your rate will not affect your credit score.✝︎
Why do over 12.6M members love SoFi?
The savings and experiences of members herein may not be representative of the experiences of all members. Savings are not guaranteed and will vary based on your unique situation and other factors.
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How can I use a family planning loan?
New additions to the family can be expensive. A SoFi personal loan could be a smart financing alternative to high-interest credit cards, helping you cover pregnancy, adoption, IVF or surrogacy costs with manageable monthly payments.
IVF Loans
Effortless IVF financing that can save you thousands.
IVF treatments, particularly for multiple cycles, can wreak havoc on credit cards and savings. A low-rate, no-fee option SoFi personal loan lets you become a parent, without the credit card debt.
IVF Loans
Effortless IVF financing that can save you thousands.
IVF treatments, particularly for multiple cycles, can wreak havoc on credit cards and savings. A low-rate, no-fee SoFi Personal Loan lets you become a parent, without the credit card debt.
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Adoption Loans
Adoption financing for life’s greatest gift – parenthood.
Achieve parenthood and financial freedom together. SoFi’s the savvy way to finance international adoptions and private domestic adoptions, with low rates, no fees required and fixed-rates that help you save for the future.
Adoption Loans
Adoption financing for life’s greatest gift – parenthood.
Achieve parenthood and financial freedom together. SoFi’s the savvy way to finance international adoptions and private domestic adoptions, with low rates, no fees and fixed-rates that help you save for the future.
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Surrogacy Loans
Surrogacy financing made simple.
Finance your surrogacy with SoFi and save thousands with a lower interest rate than high-APR credit cards.
Surrogacy Loans
Surrogacy financing made simple.
Finance your surrogacy with SoFi and save thousands with a lower interest rate than high-APR credit cards.
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Pregnancy Loans
Finance unexpected costs when you’re expecting.
Giving birth is hard enough. With low rates and no fees required, finding financial security for you and your newborn has never been easier.
Pregnancy Loans
Finance unexpected costs when you’re expecting.
Giving birth is hard enough. With low rates and no fees, finding financial security for you and your newborn has never been easier.
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Why SoFi for family planning financing?
Fast funding
Get your funds as quickly as the same day your loan is approved.*
Fixed Payments
Fixed payments keep your budget manageable, so you can cover the expected (and unexpected) costs of family planning.
Lower monthly payments
You could save with low fixed-rate monthly payments and no compounding interest, compared to high-APR credit cards.
Zero fees required
Unlike other lenders, SoFi has zero fees required. No origination fees required, no prepayment fees and no late fees.
Looking to finance IVF treatment?
SoFi expanded our personal loan coverage to IVF treatments because we believe fertility financing should be as easy and as affordable as possible. That’s why SoFi, unlike other lenders, has zero fees required. No origination fees required, no prepayment fees and no late fees.
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Looking to finance an adoption?
SoFi’s adoption loans provide peace-of-mind financing when you’re looking to add a new addition to your family. Low fixed-rate monthly payments make it easier to pay back all adoption expenses, so you can spend your energy with your little one rather than stressing over finances.
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Family Planning Loan FAQs
How do family planning loan payments work?
Family planning loans typically have fixed monthly payments over a set repayment term. Your monthly payment amount will depend on the loan amount, interest rate, and repayment period. Many lenders, including SoFi, offer autopay options that may qualify you for a rate discount.
Can I use a family planning loan to cover multiple fertility treatments?
Yes, you can use a family planning loan to cover various fertility-related expenses, including multiple rounds of IVF, egg freezing, medications, and even surrogacy. The flexibility of personal loans allows you to allocate funds where they’re needed most.
How does applying for a family planning loan impact my credit score?
Checking your rate usually involves a soft credit inquiry, which won’t affect your credit score. However, if you decide to proceed with the loan, the lender will perform a hard credit check, which may temporarily lower your score. Making on-time payments can help improve your credit over time.
What is a family planning loan?
A family planning loan is a type of personal loan that is used to pay for fertility treatments, such as:
• in vitro fertilization (IVF)
• frozen embryo transfer (FET)
• surrogacy
Family planning loans are a great way to help you and your partner afford the high costs of fertility treatments. These loans typically have fixed interest rates and repayment terms, and they can be used to cover the costs of:
• medical procedures
• medications
• travel expenses
Can you take a loan out for IVF?
Yes, you can take out a loan for in vitro fertilization (IVF). SoFi offers fixed-rate IVF loans, which can be used to finance:
• IVF
• FET
• Surrogacy
The interest rates on these loans vary from 8.74% to 35.49% APR.
What credit score do you need for an IVF loan?
Although the specifics of the credit score requirement for IVF loans are not disclosed, the APR range of 8.74% to 35.49% suggests that a credit score is a key factor in determining the interest rate. A higher credit score will likely secure a lower interest rate, making the loan more affordable.
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(without impacting your credit score)†
† To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2023 was around $33K. Information current as of 2/21/24. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 12/18/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2023 was around $33K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
5 Autopay: The SoFi 0.25%autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
7 Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct Deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.
§ Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.
* Same-Day Personal Loan Funding: Same Day Funding means that most borrowers receive funds the same day when loan is approved and the loan agreement is signed by 5:30 PM ET on a business day. SoFi does not guarantee this, and delays may occur outside of our control, such as if inaccurate information is submitted, the receiving bank declines the transfer. Your bank may have rules on when the funds become available. Does not include personal loans originated with a SoFi partner bank.
^ Direct Pay: Terms and conditions apply. Offer good for personal loan customers with credit cards and personal loans in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi’s underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your lenders/creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. SoFi reserves the right to change or terminate the Direct Pay Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your creditor/lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card and other loan fees.
Excellent/4.2/5 star rating based on 10,308 reviews as of December 8, 2025. © 2025 Trustpilot, Inc. All rights reserved.
How long do I need to wait to reapply after my Personal Loan application has been declined?
You will need to wait at least 30 days before re-applying for a Personal Loan with the same borrower(s). You are welcome to retry at any time with a co-borrower, if the previous application was as a single borrower. If you initially applied with a co-borrower, you can retry as a single borrower or with a different co-borrower.
