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Surrogacy Financing: How to Afford Your Journey
Can you finance surrogacy? Yes. Intended parents can finance surrogacy with fertility loans (sometimes called surrogacy loans) through marketplaces like EggFund and Sunfish, and can reduce how much they borrow with grants from nonprofits such as Baby Quest Foundation.
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At Giving Tree Surrogacy, the Standard Surrogacy Program costs $149,500 and the fixed cost Family Forward Guarantee™ is $180,000. See Programs & Costs for what each includes. In order to properly apply for a loan or grant, having an idea of how much your family-building journey will cost will help you plan. Giving Tree's fixed cost programs might be your best option since it sets your program price before you begin, which makes it easier to decide how much you may need to borrow. Fertility clinic costs, such as IVF, are paid directly to the clinic and are not included in surrogacy program costs.
3 Ways to Afford Surrogacy
Here is how the three financing options compare. Grants work differently from loans, so it’s important to understand the details of each.
What it is
Funding type
Amount
What it can over
Credit score / eligibility
Speed
Best if you want to
*The APR you qualify for depends on your creditworthiness and the lender's evaluation criteria. Other fees may apply depending on the lender; please review your offer.
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EggFund: Compare Lenders With One Application
EggFund is the first and largest fertility financing platform, started by an infertility survivor. EggFund's network of 25 national fertility lenders lets you compare offers from a single application, and its loans can cover egg donation, surrogacy fees, testing, medication, agency, attorney, and storage fees. According to EggFund:
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Loans go up to $250,000
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Funding can arrive in as little as 24 hours
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You can see if you're pre-approved in under 60 seconds, and checking your options doesn't affect your credit score
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There's no application fee; a $300 platform fee applies only if a lender approves and funds your loan
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A minimum FICO score of 600 is required to apply
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APRs range from 5.99% to 36.99%*
To apply, visit www.myeggfund.com and click "Apply Now," or contact EggFund at (877) 470-4877 or info@myeggfund.com
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Sunfish: Loan Marketplace And Planning Tools
Sunfish is a family-building platform that combines financial planning with a fertility loan marketplace. Through its partner lenders, loans can cover surrogacy, donor costs, medications, storage, and even travel. Most unsecured loans range from $5,000 to $50,000, and secured options (HELOCs) go up to $400,000. Most decisions come within one to two business days, and funds typically go directly to you, so you can use them with any clinic or agency. Sunfish doesn't charge a fee to apply, though some lenders charge an origination fee of 1% to 12%, which is included in the APR you see. Borrowers must be U.S. citizens or permanent residents.
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Sunfish also offers a loan repayment calculator, an IVF cost calculator, and a grants and discounts hub to help you plan before you borrow. Approval isn't guaranteed, and terms, eligibility, and rates vary by lender, so compare each offer carefully before you accept.
How it works
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Check your options online. Fill out Sunfish's online form. A soft credit check matches you with pre-qualified offers and doesn't affect your credit score.
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Compare offers. Sunfish matches you with offers from its partner lenders, so you can compare rates and terms in one place.
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Choose a lender and finish your application. You complete the loan with the lender you choose, which will typically run a hard credit check before funding.
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Grants & Nonprofit Assistance
Some nonprofits offer grants or partial financial assistance for family building. Grants are typically competitive and don't usually cover the full cost, but they can reduce how much you need to borrow.
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Baby Quest Foundation provides grants for IVF, egg donation, and surrogacy. Per Baby Quest, surrogacy grants generally don't exceed $20,000 and cover future costs such as escrow, legal, insurance, transfer fees, and medications, but not embryo creation.
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Journey to Parenthood Grant supports families pursuing fertility treatments and surrogacy.
Plan the timing
Each grant will have specific details about the best time to apply. To apply for a Baby Quest surrogacy grant, you need embryos created, a surrogacy agency selected, and the grant must be issued before your embryo transfer. Decisions come roughly 4 to 6 weeks after the application deadline, so apply early.
When Should I Apply For Financing?
Check your options early, then finalize a loan closer to when your first payment is due. Checking your options with EggFund doesn't affect your credit score, and Sunfish uses a soft credit check to show you offers. With Giving Tree's Standard Surrogacy Program, you pay nothing until you've matched with a surrogate, and the program cost is then paid in three installments to an escrow account. If you need an egg donor, the 3-Step Family Forward Concierge has planning and donor-sourcing fees that come earlier. For grants, timing matters most: Baby Quest requires embryos created and an agency selected, and the grant must be issued before your embryo transfer. Your Giving Tree consultant can walk you through your program's payment schedule.
Frequently Asked Questions
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Related: Programs & Costs · Escrow Protection · Surrogacy Insurance · Egg Donor Costs
Giving Tree Surrogacy does not provide loans or guarantee loan approval. Financing is offered by independent third parties, and their terms are set by those providers. Information on this page is for general purposes, is subject to change without notice, and isn't financial advice. Last reviewed: October, 2026.