Fund embryo freezing and storage.
After a cycle, freezing surplus embryos preserves your options for future transfers without repeating a full stimulation round. The freezing and ongoing storage fees recur over time. IVF Funders spreads that cost into instalments so keeping your embryos safe stays affordable.
What the funding can cover
Your funding can be applied across the parts of treatment that matter for embryo freezing & storage.
Not sure on the cost?
Costs vary by clinic and treatment plan.
Enter your own treatment cost in our estimate to see indicative repayments. Your clinic gives you the exact quote.
Estimate your repayments-
Embryo vitrification -
First year of storage -
Ongoing storage renewals -
Embryology and lab handling -
Consultations
What it might cost
- Funding amount
- $5,000 to $50,000
- Terms
- 12 to 48 months
- Indicative rate
- 1.99% per month (equivalent to 23.88% per annum, fixed)
- Establishment fee
- $295
- Monthly admin fee
- $99 per month
- Security
- Optional, by amount
- Decision time
- 1 business day
Example: $12,000 over 3 years
or about $134 per week
Total repayable: $20,972
at 1.99% per month (23.88% per annum, fixed)
We pay your fertility clinic directly, so your funding goes straight to your treatment. Most smaller amounts are unsecured. Depending on the loan amount, we may register a PPSR security interest.
Indicative only. Not an offer of finance or a CCCFA disclosure. Your actual rate, fees, and repayments depend on a full affordability assessment.
Simple, start to finish
Apply online
A short application with your details, income, and the treatment you are funding. It takes a few minutes and there is no obligation.
Get approved fast
We assess affordability under the CCCFA and come back with a real decision, usually inside one business day.
Treatment funded
Once your agreement is signed, your funding is ready to put toward your clinic, and you repay in simple instalments.
Why fund with us
Keep your options open
Freeze surplus embryos now and spread the cost, so future transfers do not require a fresh stimulation round.
Simple instalments
A single regular repayment you choose: weekly, fortnightly or monthly, over a term that suits your budget.
Decision in a business day
A short online application and an affordability check under the CCCFA. Most decisions come back inside one business day.
No early repayment penalty
Pay the funding off early whenever you like, with no break fee.
Plain English, real people
NZ owned and operated, with real people on the phone. No jargon, no pressure.
Use your chosen clinic
We pay your fertility clinic directly, so you stay with the clinic and specialist you trust.
Many IVF cycles produce more embryos than are transferred at the time. Freezing and storing them keeps those embryos available for a future transfer without repeating the most demanding and expensive part of the process, the stimulation and collection round. Your clinic will advise on what is suitable for you.
Because storage is an ongoing commitment rather than a single bill, spreading the cost into instalments fits the recurring nature of the fees. IVF Funders assesses affordability under the CCCFA and pays your fertility clinic directly, so you keep full choice of clinic and specialist.
Common questions
Can you fund ongoing storage renewals?
How quickly can funding be arranged?
Is the funding secured against anything?
Take the first step toward funding your treatment
Apply in a few minutes and get a real decision, usually inside one business day. No obligation, and no pressure.