Buy Now, Pay Later IVF Options | Affordable Fertility

How does buy now, pay later 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% Buy Now, Pay Later (BNPL) 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 BNPL 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% Buy Now, Pay Later (BNPL) 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% Buy Now, Pay Later (BNPL) facility to top up your own funds to upgrade or pay for part/all of your Access Fertility programme.

How much BNPL 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 BNPL application is approved?

Access Fertility’s BNPL portal will allow you to track the progress of your application.

Will I receive any funds from Access Fertility as part of my BNPL 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% BNPL 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% BNPL 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.