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INTEREST FREE FINANCE & KLARNA

We know that planning fertility treatment involves lots of decisions, and cost is often part of that. To help keep things flexible, we offer payment options that support you at different stages of your journey

Paying with Interest Free Finance

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. 

Buy now, pay later with Klarna

If you’d like a flexible way to get started, you can pay for your Pre-Treatment Bundle using Klarna. This gives you the choice to:

Pay in 30 days, or
Split your payment into 3 monthly instalments

There’s no interest to pay, and it’s a quick, simple way to move forward without covering the full cost upfront.

Please note: Klarna is only available for the Pre-Treatment Bundle and cannot be used for any other treatments, tests, or invoices.

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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