Fund your IVF cycle, repay over time.
A full IVF cycle in New Zealand commonly runs into five figures before you add medications. IVF Funders spreads that cost into manageable instalments so treatment can start when you are ready, not when you have saved the full amount.
What the funding can cover
Your funding can be applied across the parts of treatment that matter for ivf cycle.
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-
Clinic cycle fees -
Egg collection and embryology -
Fresh embryo transfer -
Fertility medications -
Monitoring scans and bloods -
Initial specialist 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
Start when you are ready
Begin treatment now and spread the cost, rather than waiting another year 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 full IVF cycle is the most significant single cost in most fertility journeys. In New Zealand, patients who do not qualify for publicly funded treatment usually pay the clinic privately, and the cycle fee sits separately from the cost of medications, which can add several thousand dollars more.
Spreading the cycle cost into instalments turns a large one-off bill into a predictable repayment. IVF Funders assesses affordability under the CCCFA and pays your fertility clinic directly, so you keep full choice of clinic and specialist.
Common questions
How much of an IVF cycle can you fund?
Do you pay the clinic directly?
How quickly can treatment start?
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.