
How to Afford Surrogacy with Financing Options
The costs associated with surrogacy can be $150,000 or more. To make surrogacy accessible to more families, there are financing options available to help Intended Parents.
3 Ways to Afford Surrogacy
EggFund

Founded by a person who overcame infertility, EggFund is the first and largest financing platform for fertility treatments. EggFund helps 1 in 8 Americans with infertility realize their dream of starting a family. ​
Their network of 25 national fertility-specialized lenders offers you more options, so you can find the loan that best fits you, all in one place. ​
Loans can cover all aspects of the treatment process, including egg donation, surrogacy fees, testing, medications, agency fees, legal fees, and storage fees. ​
Loan Features:
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Loan amounts up to $250,000
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Quick, simple, and easy application
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Funding available in as little as 24 hours
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Less than 60 seconds to find out if you are pre-approved
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Checking your options does not affect your credit score
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No application fee. A $300 platform fee will be charged if our lender approves and funds your loan
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Minimum FICO score of 600 to be eligible to apply
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APR from 5.99% to 36.99%* ​
*The APR for which you qualify is based on your own creditworthiness and the lender’s evaluation criteria. Other fees may apply depending on the lender; please review your offer. EggFund saves you time and stress, so you can focus on building your family. ​
To learn more or to apply, visit www.myeggfund.com and click on “Get Started.”
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Contact them at (877) 470-4877 or at info@myeggfund.com.

Specialized Fertility and Surrogacy Loan Providers
These companies specialize in loans for IVF, egg donation, and surrogacy:
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CapexMD – Offers personalized fertility loans with flexible repayment terms, and frequently collaborates directly with fertility clinics and surrogacy agencies. https://www.capexmd.com
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Sunfish – Offers loan options for IVF, surrogacy, and egg freezing -https://loans.joinsunfish.com/?partner=Giving%20Tree%20Surrogacy
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United Medical Credit – Works with applicants with various credit profiles to finance costs related to fertility treatments. https://www.unitedcredit.com/loans/fertility-ivf/

Surrogacy Grants and Non-Profit Support
Some organizations offer grants or partial financial assistance for family building: ​
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Baby Quest Foundation – Provides grants for IVF, egg donation, and surrogacy. https://babyquestfoundation.org ​
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Journey to Parenthood Grant – Supports families pursuing fertility treatments and surrogacy. https://journeytoparenthooddotorg.wpcomstaging.com/
Our team is always available to discuss surrogacy costs and financing options with you. Complete our intended parent form to get started.

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