[email protected]

0% Loans as seen on

Undergoing fertility treatment can be a stressful and worrying time for anyone.

At BetterMed, we know that the last thing you need is financial worry on top of that. That’s why our fertility loans are 0% interest with a simple flat application fee – saving you thousands of dollars.

Once you receive a fertility treatment loan from us, you can undertake IVF or other treatment at a clinic or hospital of your choosing.

We offer fairer finance.
  • Loans from $10,000 to $350,000.
  • Our interest rate is always 0% APR.
  • Take 15 years to pay back your loan.
  • No down-payment. No early repayment penalties.
  • 98% of applications are approved.

Try our loan calculator

Personal loans, made personal.

  • Tick We believe in total transparency, and we’ll never surprise you with hidden costs or fees.
  • Tick Our loans are privately funded, so they won’t tie up your credit like a bank loan.
  • Tick You’ll have a personal advisor for the lifetime of your loan – they help you get the funds you need.
  • Tick You can defer repayments for up to one year, without accruing interest.
  • Tick Bad credit? Don’t worry — we’ll work with you to find a solution.
  • Tick Our service works with or without medical insurance — you can even use it to pay off premiums and deductibles.

Our loans have helped to change lives for thousands of people.

As featured on

  • CNN
  • USA today
  • Yahoo finance
  • Global Banking & Finance review
  • Best company

Here's how the process works.
It’s simple and we’re here for you
the whole way through.

Tell us about you
Give us some basic details – including why you need a loan.
Complete your application
To process your application, we ask for a $1,999 application fee, which acts as security on the loan. This non-refundable fee will be taken off the total amount you pay back.
Additional information
We'll need some extra information to complete your application, such as ID, proof of income and proof of employment.
Good to go
We'll work with you to make sure you get the loan you need. Once it's approved, you have up to 15 years to repay it – always at 0% interest.
Receive your funds
As soon as your loan is approved, we will transfer the funds into your account. It's fast and hassle free.
Apply now

Here are the most
frequently asked questions.

Our approval rates are over 98% but we can’t guarantee approval. We are required to make certain checks.

You can undertake your treatment at any clinic you wish. We believe that fertility treatment is a really personal decision and we don’t restrict where our clients have treatment.

Yes. They’re really 0%.

We just don’t agree that people should worry about interest fees which can add up to thousands of dollars, when they’re already going through something as stressful as fertility treatment.

You can benefit from 0% interest loans for up to 15 years.

When you apply for a fertility treatment loan with BetterMed, you pay a set fee to process your application. From application to the money transferred to your bank varies case by case, but takes a minimum of 30 days.

The world’s lowest
interest rate.

0% Loans

Your rate will
never increase.

Frozen rates

You can take 15 years
to repay.

Repay your loan over 15 years

98% of applications
are approved.