YOUR SURROGACY FINANCING OPTIONS

If there’s a good amount of equity in your home, a home equity loan or line of credit can be an option for funding surrogacy. Talk to a professional about finding the best rates.

You may be able to take a loan out against your 401(k) savings. Before using this option, it’s best to talk to your financial advisor to understand repayment, taxes, and penalties.

Your bank or credit union may offer competitive rates for a personal loan, especially if you have some collateral to offer. Before moving forward with this option, confirm that using the money for surrogacy is eligible.

Some agencies offer their own financing programs. Be sure to understand the interest rates and review with your financial professional.

Some financial organizations specialize in fertility financing that may be applied to surrogacy programs. Prospective parents can receive fertility financing loans from the following organizations:

• CapexMD
• New Life Fertility Finance
• Prosper Healthcare Lending

These non-repayable funds are awarded on an annual basis to help ease the financial burden of surrogacy and other infertility treatments. Learn more about the specific eligibility requirements that must be met.

Interest-free credit cards are a smart way to spread a large surrogacy payment out over a period of time. Look for a card with a 0% introductory annual percentage rate (APR) for at least 12 months and make every attempt to pay the balance before the interest is due.

Friends and family may be willing to help you take a step toward parenthood. Some websites host campaigns for IVF funding and help you create a fundraising page that tells your personal story. Online campaigns can help motivate others to support your journey to build a family.