The largest network of Leading National Fertility Lenders

Get quick access to pre-approved fertility loan offers with no impact on your credit

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Introducing

KinderHELOC™

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home, allowing you to borrow money as needed, similar to a credit card, and only pay interest on the amount you borrow.

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A Smarter Way to Finance Your Family-Building Journey

EggFund has always been dedicated to giving you more financial options to move forward with your family-building journey. As the first and largest lender network, we continue to innovate fertility financing with our new KinderHELOC™, designed to reduce borrowing costs and provide more choices and chances for funding. If you, your co-borrower, parents or a relative own a home or have access to property you may qualify.

Check Your Qualification

Our National Lenders

*This does not necessarily constitute EggFund’s most recent national lenders, as lenders can be added or removed at any time.

Access Affordable Fertility Loans with Our Trusted Network of National Lenders

Our trusted lenders offer flexible terms and competitive rates, with loans up to $250,000. Whether it’s IVF, egg freezing, egg donation, surrogacy, or adoption, EggFund is committed to making these costs manageable.

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EggFund’s Family of Loans

Beyond fertility loans, EggFund supports your family through life’s milestones, offering personal loans for medical, dental, home improvement, vacations, debt consolidation, and more. Trust EggFund to meet your family’s evolving financial needs.

Fertility Loans

EggFund’s fertility loans are designed to make your family-building journey easier. Whether you’re pursuing IVF, egg freezing, surrogacy, or adoption, we offer fertility loans tailored to your needs. With no hidden fees and a fast application process, we ensure you get the funding you need without the hassle. Our loans go up to $250,000 to reflect the real costs. You can have funds in your bank account in as soon as 24 hours. Our focus is on making sure you have the financial support to focus on what matters most—your family.
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Baby Loans

Starting or growing a family can be financially challenging. EggFund’s baby loans help you meet the costs related to unexpected hospital expenses, a night nurse, doula, or even baby gear (strollers, car seats, cribs) and setting up the nursery, EggFund offers you more choice. We work with leading lenders to offer affordable, flexible loans. Quick and easy application. Get funded in as soon as 24 hours.
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Other Loans

Your family’s financial needs evolve over time, often becoming more costly. Whether it's for braces, birthdays, or home remodeling, we provide personal loans up to $100,000. Our offerings include medical and dental loans, home improvement, vacation, debt consolidation, and credit card refinancing. Enjoy a fast, streamlined application process similar to our baby and fertility loans, with potential funding in as little as 24 hours.
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The EggFund Advantage

At EggFund, we’re committed to supporting your family-building journey.  Experience freedom, flexibility, and empowerment, putting you in control of your financing choices. Our platform is user-friendly, transparent, and tailored to your needs.

Freedom

Explore a variety of loan options to suit your unique needs.

Flexibility

Benefit from customized loan terms that match your financial situation. Receive funds directly from our lenders, allowing you to choose your preferred provider.

Empowerment

Gain confidence in your family plans with reliable financial support.

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Our Industry Partners

Collaborating with leading fertility clinics, surrogacy agencies, egg banks across the U.S. and internationally, we provide seamless access to fertility financing. Our partnerships ensure patients receive tailored loan solutions, making treatments more affordable and accessible. Together, we support families in their parenthood journey.

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Featured Partners

TrustPilot Reviews

EggFund helped me and my husband to be able to move forward quickly with IVF. There's so much to think about, especially financially, with fertility treatments.EggFund took the overwhelming stress and guesswork out of trying to find the right financing. Before finding out about them, we didn't even know where to start because there are so many loan options, it's difficult to know if you're choosing the right one. The process with EggFund was seamless, and gave us so much peace knowing we could move forward financially. This is an incredible resource and we highly recommend!
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— Kimberly Finlay
Eggfund made the loan process extremely easy and stress free! As someone going though fertility treatments, the cost can be scary and EggFund gave my husband and I a worry free experience which was so refreshing. The last thing you want to deal with is the hassle of applying for loans but EggFund was simple. I highly recommend them!

- Jessica
This service is amazing, I found out my insurance did not cover the clinic I was using and I had already started the process. The clinic told me to try this and literally in 2 days 40K was in my bank account. Awesome. Worked out fi us perfectly. Now I can just pay like I’m paying out of pocket and submit my payments to my insurance for reimbursement. Such a great service.Thank you!

- Rory Brendtro

Fertility Resources

November 6, 2024

Funding Your Family-Building Journey

Building a family can come with high costs, from IVF to adoption. Discover smart ways to fund your family-building journey, from maximizing cash opportunities to exploring borrowing options and provider discounts.

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November 6, 2024

IVF Cost Breakdown

Curious about IVF costs? This guide breaks down the typical expenses, from standard procedures to common add-ons, helping you understand what to expect.

Learn more
October 7, 2024

Understanding Out-of-Pocket Costs for Fertility Benefits

Learn about fertility treatment costs, employer benefits, and options for managing out-of-pocket expenses on your family-building journey.

Learn more

Frequently Asked Questions

How does EggFund work?

Submit your application online with EggFund, and it will be matched to our network of lenders without impacting your credit score. If matched, pre-approved offers will appear on your screen and be emailed to you (check your Junk folder).Offers include your APR, loan term, pre-approved amount, and estimated monthly payment. You are under no obligation to proceed. If interested, click the offer to visit the lender’s site and complete your application. The lender will request additional information and permission for a full credit check. If approved, funds may be wired to your bank within 24 hours. Use the funds to pay your chosen provider directly, as funds are provided to you, not the provider, unlike other fertility lenders.

Is EggFund a direct lender?

EggFund is not a direct lender. EggFund connects you with a network of lenders, offering guidance throughout the loan application process. Contact us at 877-470-4877 or info@myeggfund.com.

Is there a fee to apply with EggFund?

Applying with EggFund is free of charge, with no hidden fees.

Is there a prepayment penalty?

You can prepay your loan early with no penalty. 

My credit is not great, can I have a co-applicant?

If your credit isn't strong, a co-applicant can strengthen your application. This can be a spouse, partner, relative, or friend who shares financial responsibility.

Are there any other fees with EggFund?

$200-$600 depending on your funded loan amount. See here for more details

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Ready to make growing your family more affordable?

Apply now and see if you prequalify with a lender in EggFund’s national network .

Have questions before you begin? Contact us at 877-470-4877. We’re here to help!

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@MyEggFund

Check out our founder and CEO, Carmela Rea’s latest post on TikTok, where she helps people  afford their dream of a family.

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Email: info@myeggfund.comPhone: (877) 470-4877
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