Fertility treatment can be life-changing, and taking that first step isn’t always easy. If you are considering IVF or other assisted conception methods, the cost can sometimes feel like a barrier. The good news is that you do not have to manage it all at once. With flexible fertility finance, you can spread the cost into manageable monthly payments that suit your budget. It’s simple to arrange and allows you to move forward sooner, focusing on what really matters: starting or growing your family with the treatment that’s right for you.
At Medicred, we offer a range of payment plans to help spread the cost of IVF and fertility treatment into more manageable payments. Our finance plans help to reduce the financial barriers that some people may face when seeking fertility care, and make private treatment more accessible to a wider range of individuals and couples.
If you’re thinking about taking the next step towards growing your family, applying online for fertility treatment finance can make accessing private care feel that little bit more achievable than you may have thought.
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Book your fertility treatment at your chosen clinic
Make your monthly IVF loan payments
Minimum £100 · Maximum £10,000
| Cost (per month) | Term (months) |
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Finance Payment Plan
0% APR over 3 months
A fertility loan of £5,000 over 12 months would mean you make monthly repayments of £416.67 at a representative APR of 0%.
The total amount of credit would be £5,000, to which we would add £0.00 (0% p.a.). Therefore, the total cost of your fertility treatment after 12 months would be £5,000.
If you took out fertility financing today, you would pay the first £416.67 on the day of your first appointment, then 11 payments of £416.67 each month.
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The number of fertility treatment cycles needed varies for each person, with some becoming pregnant after one IVF cycle while others require several. Doctors often recommend planning for more than one attempt, as success rates can improve over time. Factors such as age, overall health and the cause of fertility issues all play a role, and clinics will provide personalised guidance, outlining expected success rates and helping patients understand how many cycles may be needed in advance.
There are several alternatives to IVF, depending on the underlying cause of fertility challenges. Treatment options may include:
Your doctor will recommend the most suitable approach based on your diagnosis, helping you choose the right path for your individual fertility needs.
Improving fertility before treatment often involves simple lifestyle changes that support overall health. Maintaining a healthy weight, eating a balanced diet, and exercising regularly can help the body function at its best, while avoiding smoking and limiting alcohol use supports reproductive health. Good sleep and managing stress may also improve your chances of conception. Taking folic acid is commonly recommended, and a doctor can provide personalised advice based on your individual circumstances and medical history.
The cost of private IVF in the UK can vary by clinic and treatment plan. On average, a single cycle may range from £4,000 to £8,000, but can exceed £10,000 once things like medication, consultations, and screenings are added. If more than one cycle is needed, the overall cost can rise quickly, so it is important to understand the full cost of a single cycle before starting treatment at a clinic.
Egg retrieval is usually not considered to be painful because it is carried out under sedation or light anaesthesia, so most people feel nothing during the procedure itself. Afterwards, some people may experience mild cramping, bloating, or discomfort for a short time, but these symptoms are generally manageable with rest and simple pain relief. Clinics will provide guidance on what to expect after egg retrieval and how to stay comfortable during recovery at home afterwards.
Before starting IVF, medical professionals will carry out several tests to check patients’ fertility health:
These tests help doctors plan treatment safely and choose the most suitable approach for each individual case.
Finance is not usually limited to a set number of treatment rounds, as it is designed to be flexible. The only limits with Medicred are based on what is affordable within an agreed monthly repayment plan. This ensures the cost of IVF or fertility treatment is spread in a way that remains manageable over time. Approval is guided by affordability assessments, rather than restricting access to a specific number of cycles or procedures included in treatment packages.
After embryo transfer, most people go home the same day and can resume normal activities, but they may need to take things a little easier. It is common to notice mild cramping, bloating, or light spotting in the days that follow, which usually settles quickly. A pregnancy test is normally taken around two weeks later to check the result. During this waiting period, clinics often advise against heavy exercise and recommend following any aftercare instructions provided.
Higher-grade embryos are usually preferred for transfer, so they are graded in the laboratory based on their development and appearance under a microscope. This grading helps doctors identify and select those with the best chance of implantation. Doctors look for:
This careful assessment helps improve the chances of a successful pregnancy during fertility treatment cycles.
Fertility treatment does not usually require you to stick with a single option throughout the process. Doctors may suggest starting with less complex treatments and consider other methods if pregnancy is not achieved. Each stage is guided by medical results and how your body responds to care. This means treatment can change over time, allowing different approaches to be used in a way that best supports your overall chances of success.
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