Today, more families than ever are turning to a surrogacy program that offers financing, combining flexible agency payment plans, fertility-specific loans, grants and employer benefits to make the process manageable.
That’s why we partner with Sunfish, a trusted fertility financing platform, to provide payment solutions designed specifically for the unique timeline of surrogacy.
Fill out our contact form today to get personalized financing options and take the first step toward your surrogacy journey with confidence.
Are There Surrogacy Programs Offering Payment Plans or Financing?
Yes — many intended parents begin their journey through a surrogacy program that offers financing, making the process more manageable without paying the full cost upfront.
Surrogacy is a significant investment, often ranging from $100,000 - $200,000+ depending on medical, legal and agency fees. Fortunately, financing options allow you to:
- Start with a smaller initial payment
- Spread costs over 12–84 months
- Preserve savings while building your family
- Use employer benefits or tax advantages
Below, we’ll break down how different financing solutions work, what American Surrogacy offers, and how to build a realistic budget.
Learn more about how you can get closer to parenthood with financing through Sunfish.
Agency-Offered Financing: What to Expect
Many intended parents want to know if there’s a surrogacy program that offers financing directly through agencies. The answer is yes.
Reputable agencies understand affordability concerns and often partner with financing companies focused on fertility.
At American Surrogacy, we’ve partnered with Sunfish to make financing more accessible:
- Streamlined approval that aligns with your surrogacy timeline
- Fertility-focused loan terms designed for treatment milestones
- Transparent payment schedules so you know exactly what costs are covered
Through Sunfish, families typically access loans that translate to $500–$2,000 per month, depending on loan size and term length.
Our Surrogacy Program Options That Pair With Financing
Choosing the right surrogacy program that offers financing means finding a balance between flexibility and financial security. American Surrogacy offers two core options that can be paired with Sunfish financing:
- Foundation Program – Lower upfront cost with a pay-as-you-go fee structure. If your first transfer succeeds, total expenses may stay lower, but costs can rise if rematching or multiple transfers are needed.
- Limited Risk Program– Higher overall cost but includes financial protections for screening, matching and refunds if your journey faces disruptions. This program offers more budget security and peace of mind.
- Independent Program:– If you already have a surrogate in mind, you can complete the rest of your journey through us with free initial screening.
By pairing these programs with Sunfish financing, many families can begin with 10–20% down and manageable monthly payments.
Learn more about our comprehensive surrogacy programs.
Other Financing Solutions Beyond Agency Programs
A surrogacy program that offers financing is just one part of the picture. Families often combine multiple funding sources, such as:
Fertility-Specific Loans
- Offered by lenders like Sunfish and Future Family
- Loan amounts up to $200,000
- Terms from 12–84 months, with fixed interest rates (6–24%)
- No prepayment penalties
Personal Loans
- Available through banks or credit unions
- May have shorter terms and higher interest rates than fertility loans
Grants
Competitive but valuable options, such as:
- Baby Quest Foundation (up to $15,000)
- The Cade Foundation
- Men Having Babies (A grant program for gay fathers)
Employer Benefits
Many large companies and startups now cover surrogacy within fertility benefit packages. Some insurance plans also offer partial surrogacy coverage.
Pros and Cons of Financing Surrogacy
Like any financial decision, choosing a surrogacy program that offers financing has trade-offs.
Advantages:
- Start sooner without years of saving
- Keep emergency savings intact
- Fixed, predictable monthly payments
- Potential tax benefits
Considerations:
- Interest increases total costs
- Strong credit helps secure better rates
- Monthly obligations remain regardless of delays
Example: A $100,000 journey financed at 12% over 5 years equals $2,220 per month and $133,200 total — about $33,200 in interest. For many families, the ability to start parenthood sooner outweighs this added cost.
Learn more about why surrogacy financing is worth it.
Budgeting for a Financed Surrogacy Journey
A smart budget is essential when choosing a surrogacy program that offers financing. Key strategies include:
- Work with Transparent Agencies: American Surrogacy provides detailed cost breakdowns upfront.
- Plan for Unexpected Costs: IVF cycles, legal delays, or travel.
- Use Budgeting Tools: Apps like Mint or YNAB to track expenses.
- Consider Household Impact: Future childcare costs, savings goals, and income changes.
Most journeys follow a timeline of:
- Agency fees and legal costs (months 1–2)
- Surrogate compensation (throughout pregnancy)
- Medical expenses (as they occur)
- Final delivery payments
Take the Next Step With American Surrogacy
A surrogacy program that offers financing ensures you don’t need $100,000+ in savings to start your journey. Financing makes parenthood achievable today — not years from now.
Don’t let cost concerns delay your dream of becoming a parent.
Contact American Surrogacy to explore financing options tailored to your budget and learn how our Sunfish partnership can help you take the first step.