The first home equity line of credit designed to help you build your family. Instant preapproval with no impact on your score.
- Applicant for KinderLoanTM must be the homeowner
- You need to have at least $75k equity in your home
- Co-borrowers are allowed only if they are also listed on the home’s title
- Patient or would-be parent are not required to be on the application
- The minimum FICO score is 660
- The minimum loan is $25K and the maximum is $350K.
- Not available in AK, HI, TX, MD
- High credit line: up to $350K for fertility treatments, adoption, egg donation, surrogacy, and more.
- Flexible access: Not sure the total amount you need? KinderLoanTM works for the reality of family-building: that you often need additional funds as you go vs all upfront (ie for multiple IVF cycles or for donor eggs). Withdraw a minimum of $25,000 up front, up to 100% of your credit line. With no need to reapply for funds. You pay interest only on what you withdraw.
- Flexible Payment: Up to 20 years to repay, with 10 years of low Interest-Only payments.
- Low APR starting at 7.95%
- Protection: Loan payment coverage for job loss or inability to work.
- No application fees (other fees may apply)
- Use funds anywhere—no restrictions on providers
EggFund is not a direct lender. We match would-be borrowers with lenders in our vetted network for loans to build their families. Loans proceeds are provided by lenders directly to funded borrowers.
Loan options offered by EggFund Inc. and its partner GreenLyne Inc. are fulfilled by Farmers Bank of Kansas City, NMLS ID 613839
Why EggFund Personal Loans:
- No fee to apply and no impact to your credit score for checking your options
- Quick and simple. Get funded in as little as 24 hrs
- You are only charged if you are successfully funded. See our Success Fee detailed below.
- Apply & get matched with personalized loan options from 25 top providers, including Best Egg, LightStream, Upstart, and more.*
Loan Features:
- Minimum FICO score of 600
- Loans amounts up to $250,000
- APRs from 6.99% **
- Use loan funds with any provider, clinic, egg bank, agency, or pharmacy
- Loan proceeds can be utilized for any aspect of family building, as well as to meet gaps in insurance coverage
- There is a Success Fee if you are funded based on the loan amount:
- $200 for loans funded up to $14,999
- $300 for loans funded up to $15,000-$34,999
- $500 for loans funded $35,000 - $99,999
- $600 for loans $100,000 and above
*This does not necessarily constitute EggFund’s most recent national lenders, as lenders can be added or removed at any time.
**The APR you will be qualified for is based on your own credit worthiness and lender’s underwriting criteria. Other fees may apply depending on the lender, check your offer.
[2] EggFund is not a direct lender. We match would-be borrowers with lenders in our vetted network for loans to build their families. Loans proceeds are provided by lenders directly to funded borrowers. Pre-approval lender matching powered by Engine by MoneyLion.
