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0% INTEREST FINANCE

IVF is costly, so we offer 12 months of interest-free credit through our partner, Access Fertility, to help make treatment more affordable.

How does 0% interest finance work?

At Care Fertility, we understand that IVF can be a significant financial commitment, which is why we’ve partnered with Access Fertility to offer a 0% interest finance payment option. This flexible facility allows you to spread the cost of your treatment for up to £12,000, making it easier to manage your journey toward parenthood.

Whether you’re topping up your funds or covering your full programme cost, Access Fertility’s 0% interest finance plan ensures you can focus on what truly matters—your IVF journey.

Frequently asked questions

We know financial planning is an important part of your IVF journey. To help, we’ve compiled answers to some of the most commonly asked questions about our 0% interest finance option with Access Fertility. Whether you’re exploring how it works or need details on eligibility, you’ll find helpful information below. 

Do I have to apply for my full programme amount? No – you can apply for a 0% interest finance to top up your own funds to upgrade or pay for part/all of your Access Fertility programme. 
How much 0% interest finance can I apply for?

You can request a maximum of the cost of your programme, up to £12,000. 

 
How will I know if my 0% interest finance application is approved?

Access Fertility’s 0% interest finance portal will allow you to track the progress of your application. 
Will I receive any funds from Access Fertility as part of my 0% interest finance application?

No – as the funds are used for the payment of all or part of your Access Fertility programme cost, the approved amount will be used to reduce pay off your programme fee, with any difference in balance left being paid off in monthly instalments.  
How is the 0% interest finance application assessed?

All IVF payment programmes are assessed based on your personal credit circumstances. Access Fertility use both a credit bureau score and open banking data as part of your application process. 
When can I start the application process?

The application portal is only made available once you have registered with Access Fertility, so that programme fee is known ahead of application. 
Can non-UK patients apply?

No, only UK residents can apply. Applicants will need to demonstrate they live and work in the UK. 
What are my options if I am not approved for a 0% interest finance payment plan?

If you are not approved for a 0% BNPL IVF payment plan for your requested amount, you can apply for a lower amount of credit. 

IVF pricing

When you have your first consultation at Care Fertility, we will provide you with a tailored treatment plan including a breakdown of all estimated costs. 

Find your clinics pricing

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