You don’t have to put your dream of becoming a parent on hold because of finances.
With the right surrogacy loan, you can make this journey achievable — without draining your savings or delaying your timeline.
Learn more about how you can afford surrogacy and have the family you’ve always dreamed of.
Whether you’re just starting to explore surrogacy or are ready to match with a surrogate, this guide will walk you through your best financing options — and how American Surrogacy can help you find the right loan for your family’s future.
Where Can We Get Loans for Surrogacy?
There are two primary types of lenders offering loans for surrogacy:
- Fertility-specific lenders: Companies that specialize in reproductive health financing and understand the surrogacy process.
- Traditional lenders: Banks, credit unions, or online platforms offering general-purpose personal loans.
Each option comes with pros and cons. The best choice for you depends on your credit profile, loan amount, and whether you need support tailored to surrogacy-specific costs and timing.
Fertility Financing Companies for Surrogacy Loans
Fertility lenders often offer the most surrogacy-friendly features — like payment schedules that match your agency and medical billing timeline.
Top providers:
- Sunfish: American Surrogacy’s partner lender, Sunfish offers surrogacy-specific loans with terms of 2–7 years, competitive rates, and flexible repayment options.
- CapexMD: A leader in medical financing, CapexMD works with a wide range of credit profiles and understands the complexities of surrogacy costs.
- Future Family: Offers fertility loans plus concierge-style services. Personalized loans are tailored to your treatment plan, with additional support for LGBTQ+ families.
Why choose a fertility lender? They’re often more understanding of your journey and may offer deferments, flexible disbursement, and empathetic customer support.
Personal Loans for Surrogacy: Banks, Credit Unions, and Online Options
Traditional personal loans are another path to funding surrogacy. These loans usually offer fixed interest rates, predictable payments, and fast access to funds.
Common Sources:
- Banks like PNC may offer fertility-specific loans or personal loans
- Credit unions with member-friendly rates
- Online lenders such as SoFi, Marcus, and LendingClub
Key Benefits:
- Lump-sum distribution gives you full control over spending.
- Competitive rates available for borrowers with strong credit.
- Wide range of loan amounts — from $10,000 to $100,000.
Unlike fertility lenders, traditional lenders may not offer support aligned with surrogacy-specific billing cycles or milestones.
Other Types of Surrogacy Loans
Loans for Surrogacy if You Have Bad Credit
Even with a lower credit score, you still have options for financing surrogacy — though your interest rates and loan terms may differ.
Common options if you have low credit:
- Co-Signed Loans: Partnering with a trusted relative or friend can unlock lower rates.
- Credit Unions: Often more flexible than big banks, especially if you’re an existing member.
- Unsecured Loans: Some lenders may offer unsecured loans. These loans don’t require collateral but may carry higher interest rates and shorter terms.
Tip: Improve your chances by reducing other debts before applying, or explore credit-builder loans if you’re planning ahead.
LGBT Surrogacy Loans and Grants
Intended parents in LGBTQ+ relationships have access to the same surrogacy loans as any other couple.
Whether you apply with a partner or as a single parent, lenders like Sunfish, Future Family, and CapexMD evaluate your application based on financial eligibility, not family structure.
Several nonprofit organizations offer grants tailored to LGBTQ+ couples and individuals pursuing parenthood through surrogacy.
Men Having Babies offers a Gay Parenting Assistance Program (GPAP) to reduce surrogacy costs for gay men through discounts and cash grants.
If you identify as LGBTQ+ and are pursuing surrogacy, these grants can supplement loans and help close the funding gap — no repayment required.
What to Know Before Taking Out a Surrogacy Loan
Before choosing a loan for surrogacy, make sure you understand these key details:
- Interest Rates: Range from 6%–20% APR. Fixed rates = predictable payments.
- Terms: Longer repayment = lower monthly payments, but higher total interest.
- Fees: Watch for origination fees, late charges, or early payoff penalties.
- Eligibility: Based on credit score, income, and debt-to-income ratio.
- Budgeting: Plan not just for pregnancy — but for the increased expenses after your baby arrives.
Alternatives to Loans for Surrogacy
Not every family chooses to take out a loan. These alternatives may help reduce or eliminate the need to borrow:
- Fertility Grants: Awards from $2,000–$10,000 from organizations like Baby Quest and Tinina Q. Cade Foundation.
- Employer Benefits: Ask HR about surrogacy coverage or fertility stipends.
- Fundraising: GoFundMe, family loans, or community events can help offset costs.
- HSA/FSA Funds: Some medical expenses may be eligible for tax-advantaged coverage.
Is Financing Surrogacy Worth It?
For most intended parents, the answer is yes.
Surrogacy loans provide the opportunity to start your family now — not years from now. The peace of mind, structure, and momentum they offer often outweigh the cost of interest.
Financing allows you to:
- Start sooner
- Preserve savings
- Protect your financial future
- Plan monthly payments with predictability
When you hold your baby for the first time, that monthly payment becomes more than worth it.
How American Surrogacy Supports Your Financing Plan
At American Surrogacy, we understand that the cost of surrogacy can feel overwhelming — and we’re here to make the financial path clearer, safer, and more achievable.
Partnership with Sunfish: Expert Financing, Tailored for Surrogacy
We’ve partnered with Sunfish, a trusted fertility financing provider, to help our families access loans designed specifically for the surrogacy process. With terms built around typical surrogacy milestones, Sunfish offers:
- Competitive interest rates
- Flexible repayment options
- Fertility-aware customer service
- Loan disbursements timed to agency and clinic payments
Because they understand the unique structure of surrogacy costs, Sunfish offers a smoother, more supportive financing experience than many general lenders.
Financial Protection Through Our Limited Risk Program
In addition to loan guidance, we offer our Limited Risk Program, which provides built-in protection for your surrogacy investment.
This program is designed to minimize your financial exposure if unexpected complications arise during your journey.
Protect your investment with our Limited Risk Program
It’s one more way we help ensure that your finances are secure — so you can focus on what matters most: becoming a parent.
Take the First Step Toward Affording Surrogacy
Finding the right loan for surrogacy isn’t just about interest rates — it’s about choosing a financing strategy that supports your family’s future with confidence and care.
Contact American Surrogacy to start your financing plan.
Whether you’re comparing lenders, calculating your budget, or exploring our Limited Risk Program, we’re here to guide you.