Fund your frozen embryo transfer.
A frozen embryo transfer, or FET, uses an embryo you already have in storage, so it avoids another full stimulation round. There is still a cost for the thaw, the transfer and supporting medications. IVF Funders spreads that cost into instalments so your next step does not have to wait.
What the funding can cover
Your funding can be applied across the parts of treatment that matter for frozen embryo transfer.
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 thaw -
The transfer procedure -
Monitoring scans -
Supporting medications -
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
Take your next step now
Move ahead with a transfer when you are ready and spread the cost, rather than waiting to save the full amount.
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.
A frozen embryo transfer is often the next step for people who froze embryos in an earlier cycle. Because it uses an embryo that already exists, it skips the stimulation and collection stages, which makes it less costly than a full cycle but still a real expense to plan for.
Spreading the transfer cost into instalments keeps the timing of your next attempt in your hands. IVF Funders assesses affordability under the CCCFA and pays your fertility clinic directly, so you keep full choice of clinic and specialist.
Common questions
Is a frozen embryo transfer cheaper than a full cycle?
Can the same plan cover medications?
How soon can the transfer happen?
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.