How to Afford Surrogacy

Financing Options Explained

If you're feeling overwhelmed by how to afford surrogacy, you're not alone. Many hopeful parents face the same questions: How do people pay for surrogacy? Is financing even possible? The truth is, with the right tools, most families find a way forward — and you can too.

Fill out this form to get personalized guidance on your financing options.

Yes, You Can Afford Surrogacy— Here’s How

At American Surrogacy, we’ve helped countless families just like yours create financial paths to parenthood. Through our support and partner resources, we’re here to make the journey possible, and to remind you that your dream isn’t out of reach.

Families usually use a combination of savings as well as financing and more.

What Are Your Surrogacy Financing Options?

Financing is not only a common approach — it's often the most responsible way to manage surrogacy costs. Just like a mortgage or car loan, a surrogacy loan gives you access to the care you need today, while allowing you to spread payments out over time.

Here are the most popular and accessible ways intended parents pay for surrogacy:

Surrogacy loans and fertility financing (check out Sunfish surrogacy financing)
Personal loans and lines of credit
Credit cards or home equity loans
Grants and financial aid
Employer fertility benefits
Health insurance coverage for IVF or pregnancy

If you've been asking, “Can I finance surrogacy?” — the answer is often yes, and many intended parents are doing just that.

Explore our affordable surrogacy programs

Our Surrogacy Financing Partner: Sunfish

To simplify and streamline financing, American Surrogacy proudly partners with Sunfish — a leading platform offering surrogacy-specific loan programs.

Through Sunfish, you can:

Compare loan offers from multiple lenders
Apply for fertility loans for IVF and surrogacy
Choose payment plans that suit your monthly budget

This partnership gives you trusted access to the support you need, all in one place.

How to Apply for a Surrogacy Loan

Here’s how to apply for surrogacy financing through Sunfish or other reputable sources:

Step 1: Assess Your Needs

Determine how much funding you need by evaluating total surrogacy costs, including IVF, agency fees, legal fees, and compensation, and identifying any gaps in your budget.

Step 2: Explore Loan Platforms

Visit Sunfish and create an account. You’ll input basic personal and financial details to match with appropriate lenders.

Step 3: Compare Options

You can see what may work for you, including options that have:

Fixed or variable interest rates
Varying payment timelines (5–10 years)
Soft credit checks to start

Step 4: Submit Application

Apply with the lender of your choice. Some may require documentation like pay stubs or credit history. Most partners offer quick pre-approval processes.

Step 5: Secure Your Funding

Once approved, funds are distributed either to you or directly to your surrogacy professionals depending on the loan structure.

Qualifications vary, but many lenders work with average-income households. You don’t need a perfect credit score — just a solid plan and commitment to your journey.

Why Surrogacy Financing Can Be a Responsible Choice

We understand the hesitation. A large upfront cost can create financial anxiety — and taking on debt for a family-building journey might feel daunting.

But here’s the truth: Financing is not only normal — it’s often the best choice.

Many families can’t pay $100,000+ out-of-pocket, but they can manage a monthly payment of $500–$800. Paying for surrogacy over time can mean:

Predictability: Fixed monthly payments
Accessibility: The ability to start now, not years from now
Peace of Mind: No need to liquidate savings or delay medical procedures

When structured well, surrogacy loans can be a safe, thoughtful way to grow your family. And with a trusted partner like American Surrogacy on your side, you’re never navigating it alone.

Schedule a free consultation to learn how this path could work for you.

Other Resources for Making Surrogacy Affordable

Beyond loans, there are additional tools that can help ease the financial pressure of starting your family:

Employer Fertility Benefits

More companies now offer reimbursement for IVF, fertility preservation, and surrogacy. Ask your HR department about available options.

Surrogacy Grants

Several nonprofit organizations award family-building grants for intended parents. These are often competitive but can offset tens of thousands of dollars.

Health Insurance

Some plans cover IVF or parts of the surrogate’s pregnancy. Read the fine print or work with a professional to review your policy.

Crowdfunding and Community Support

Some families raise money through GoFundMe or community fundraisers. While not for everyone, it’s a route many pursue with success.

American Surrogacy Program Choices

We offer a range of programs including independent and full-service options, so you can take a look at what you need and make a plan that works for your budget.

Explore our full-service and independent programs.

You’re Not Alone — And You Don’t Have to Wait

If you've dreamed of becoming a parent through surrogacy, you deserve to know all your options — and feel confident moving forward.

At American Surrogacy, we’ve helped families from all financial backgrounds begin this journey — and we’re here to help you too.

Whether you’re ready to apply for financing or just beginning to explore possibilities, you don’t have to do it alone. We’ll guide you every step of the way.

Fill out this form to get personalized information on affording surrogacy and building your family.