Apply For An IVF Loan Today

Credle makes IVF funding simpler.

We connect you with trusted lenders who understand the unique costs of fertility treatment, so you can secure the support you need quickly. Compare IVF loan options, check your eligibility, and apply with confidence, all in one place.

Begin your IVF Loan Application

Start your application today and receive an eligibility outcome within 24 hours.

Why Choose Credle

Credle helps you cover fertility treatment costs with clear terms, structured repayments and funding designed for IVF timelines.

Tailored Funding

Apply for the amount you need, from one cycle to full treatment, with terms that suit your timeline.

Fully Regulated

Every loan is issued by licensed Australian credit providers under ASIC oversight.

Clear Costs

All charges, including the application fee and total repayments, are shown before you commit.

How IVF Financing Works

Getting your IVF loan is simple. Follow these four easy steps to access the funding you need.

Apply Online

Complete our simple application form with your treatment details and financial information.

Get Pre-Approved

Receive your pre-approval decision within 24 hours, subject to final verification.

Choose Your Clinic

Use our directory to find the right IVF clinic or work with your preferred provider.

Start Treatment

Once approved, funds are released directly to you so you can begin treatment and manage payments with your clinic.

Ready to Apply for an IVF Loan?

Not sure where to begin? Start your application online today.

Got Questions?

Questions & Answers.

Every Answer Starts With That Important Question.

What can I use an IVF loan for?

An IVF loan can be used to pay for fertility-related expenses such as IVF cycles, ICSI, egg freezing, donor programs, medications and embryo storage. Funds are transferred directly to you so you can pay your fertility clinic or provider as needed throughout your treatment.

How much can I borrow?

You can borrow between $5,000 and $50,000 depending on your treatment costs, income and credit history. Loan amounts are assessed under Australian responsible lending obligations to ensure repayments remain suitable for your financial situation.

How long does approval take?

Most applicants receive an eligibility outcome within 24 hours. Once your application is verified and approved, funds are released directly to your nominated account within one to two business days.

Who is eligible to apply?

You can apply if you are an Australian resident over the age of 18 with a regular income. Applications are reviewed based on your financial position and ability to meet repayments under responsible lending requirements. Joint applications are accepted for couples undergoing treatment together.

Is IVF financing safe and regulated in Australia?

Yes. IVF financing in Australia is regulated under the National Consumer Credit Protection Act 2009 and overseen by the Australian Securities and Investments Commission (ASIC). All lenders must hold an Australian Credit Licence and comply with responsible lending obligations, ensuring each loan is suitable, transparent and fair. Borrowers are also protected by the Australian Financial Complaints Authority (AFCA) for independent dispute resolution.