Surrogacy Loans

With the right financing plan, you can stop worrying about how you’ll afford surrogacy — and start focusing on building your family. Many families find that surrogacy loans allow them to take that next step.

At American Surrogacy, we’ve helped many families take the next step confidently. Fill out this form to get more information about financing your surrogacy journey.

What is a Surrogacy Loan?

A surrogacy loan is a specialized type of personal loan designed to help intended parents afford the many costs of their surrogacy journey. Whether you're just beginning to explore surrogacy or you're deep into the process and feeling overwhelmed by the financial weight — you're not alone. Many hopeful parents rely on surrogacy loans as a practical way to move forward.

That’s why we’ve partnered with Sunfish, a leading fertility financing platform, to help families like yours get the funding they need when they need it most.

What Can a Surrogacy Loan Be Used For?

Surrogacy loans can cover a wide range of expenses, depending on your lender and loan type. At a minimum, they often include:

• Surrogacy agency fees
• Legal fees
• IVF and embryo transfer costs
• Surrogate compensation
• Egg donor expenses
• Travel and accommodation

Unlike some fertility loans that only apply to certain medical procedures, Sunfish helps you find financing options that can be used for nearly every aspect of your surrogacy journey. That’s one of the key reasons we’ve chosen them as our partner.

Need more details? Visit our breakdown of surrogacy costs for a full overview of what to expect financially.

Who Provides Surrogacy Loans?

There are several sources of surrogacy loans, including:

• Specialized fertility lenders (you can find these through Sunfish)
• Personal loans through banks or credit unions
• Medical financing companies

At American Surrogacy, we partner with Sunfish because they’re tailored specifically for intended parents — and they understand the emotional and financial complexity of this journey. Through their platform, you can compare loan offers from multiple lenders.

Explore your surrogacy loan options today through our partnership with Sunfish.

How Do Surrogacy Loans Work?

Most surrogacy loans follow this general process:

Step 1: Prequalification

You’ll complete a quick, soft credit check application to view potential loan offers — no impact on your score.

Step 2: Compare Options

Review your loan offers, which typically range in term length from 12 to 72 months, with varying interest rates based on your credit history.

Step 3: Choose a Lender & Submit Documents

Once you pick a loan, you'll provide supporting documents for full approval.

Step 4: Receive Funds

After approval, your funds are typically deposited directly into your account or paid directly to your surrogacy agency, fertility clinic, or another third-party provider.

Step 5: Begin Repayment

Payments generally begin 30–60 days after disbursement. A sample repayment might look like:

• Loan Amount: $30,000
• Term: 60 months
• Interest Rate: 9% APR
• Estimated Monthly Payment: ~$624

Worried about hurting your credit? Sunfish’s process begins with a soft inquiry, so you can explore your options with no obligation or impact.

Understanding Interest Rates, Repayments, and Loan Terms

Here’s a quick breakdown of important terms you’ll encounter:

• Loan Term: The length of time you’ll repay the loan (12–72 months).
• Interest Rate: What you’re charged to borrow the money (typically 6%–18% APR).
• Monthly Payment: What you pay each month, based on term length and loan size.
• Soft Inquiry: A credit check that doesn’t affect your score (used for prequalification).
• Hard Inquiry: A full credit check that can impact your score (used upon approval).

Want help navigating all of this? Reach out for a free consultation — our specialists can walk you through your options.

Common Concerns About Surrogacy Loans

We know that considering financing can bring up a lot of emotions. You might be feeling:

• Shame for needing financing. (You shouldn't — surrogacy is costly, and you deserve support.)
• Confusion about the application process. (We can walk you through every step.)
• Fear of making the wrong financial decision. (With prequalification and expert guidance, you can explore options confidently.)
• Concern about your credit score. (Start with a soft check to see your options safely.)

You’re not alone in these worries — and you don’t have to face them without help. With American Surrogacy and Sunfish, you’re supported from start to finish.

Your Next Steps

Surrogacy loans can be a powerful tool to help you achieve your dream of becoming a parent. But it's just one part of the journey. Here’s how to move forward:

• Explore our affordable surrogacy programs to see how we work to keep costs manageable.
• Get a complete picture of surrogacy costs so you can budget with confidence.
• Prequalify with Sunfish and see surrogacy financing offers within minutes.
• Request free information today and get personalized guidance.

You Can Afford Surrogacy — and We Can Help

At American Surrogacy, we know that finances can be one of the biggest barriers to building your family. That’s why we’re committed to helping you navigate this journey.

You don’t have to choose between financial stability and your dream of parenthood. With the right support and a clear plan, you can move forward with confidence.

Fill out this form to learn more about financing your surrogacy journey.