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If you’ve looked at surrogacy costs and felt overwhelmed, you’re not alone. Many hopeful parents pause when they see that the cost of surrogacy can reach six figures — but that doesn’t mean surrogacy is out of reach.
With a structured surrogacy payment plan, families like yours are finding real ways to make this journey financially feasible.
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Yes, You Can Find Surrogacy Payment Plans
Instead of focusing on the total cost all at once, you can take advantage of surrogacy loans that break the cost into manageable monthly installments. That means you could take the next step toward parenthood today, without needing to pay everything upfront.
How Do Surrogacy Payment Plans Work?
Here’s the reality: most agencies (including American Surrogacy) do not offer in-house payment plans. But that doesn’t mean payment plans don’t exist — or that they can’t work for you.
The most accessible and secure way to create a surrogacy payment plan is through financing partners that specialize in fertility and family-building loans. Through these lenders, you can:
- Borrow funds you need for surrogacy
- Repay the loan in monthly installments over time (typically 24 to 72 months)
- Select terms that match your budget and credit profile
- Eliminate the need for large upfront payments
Learn more about affordable surrogacy programs with American Surrogacy.
How Surrogacy Loans Work
Surrogacy loans are just like personal loans — but tailored to family-building needs. American Surrogacy partners with Sunfish, who specializes in fertility financing.
Here’s what you need to know:
Key Features of Surrogacy Loans:
- Loan Amounts: Often range from $10,000–$75,000+
- Term Lengths: Flexible, commonly between 24–72 months
- Monthly Payments: Can vary from $300–$1,200+, depending on terms and total cost
- Surrogacy Loan Interest Rates: Typically 5%–15% APR, based on credit and income
- Approval Process: Often includes a soft credit check and quick pre-approval
- No Collateral Needed: Many options are unsecured loans
Example Monthly Payments:
- $50,000 over 60 months at 10% APR = approx. $1,062/month
- $30,000 over 72 months at 7% APR = approx. $511/month
Even a large cost can be broken down into realistic monthly payments — creating a surrogacy payment plan that works for your budget.
Learn how much surrogacy really costs
How Do I Apply for a Surrogacy Loan?
The process is simpler than you might expect — and you can often apply online in under 10 minutes. Here are the basic steps:
Step 1: Choose a Loan Provider
We recommend trusted partners like Sunfish, who specialize in fertility financing.
Step 2: Complete Pre-Qualification
This usually involves a soft credit check and basic financial questions. There’s no impact on your credit score.
Step 3: Compare Offers
You’ll receive loan options based on your profile. You can compare terms, rates, and monthly payment plans.
Step 4: Finalize and Fund
Once you choose a loan, complete the paperwork and get your funding — often in just a few business days.
American Surrogacy is here to walk you through this process and support you at every step. You don’t have to navigate it alone.
Why a Surrogacy Payment Plan is Realistic — and Responsible
Taking out a loan for surrogacy can feel intimidating at first. But for many families, it is an empowering step that allows them to take on their journey to parenthood.
Here’s why surrogacy payment plans make sense:
- They offer flexibility. You choose your terms, budget, and how much you can realistically afford each month.
- They’re structured and safe, with the right lenders. Reputable lenders provide clear contracts, interest disclosures, and legal protections.
- They make surrogacy feel possible. Families often feel hope again when they realize they can afford this path to parenthood.
And most importantly — you’re not alone in this journey. American Surrogacy has helped countless families like yours grow through surrogacy. Our team of specialists is here to guide you as you take the next steps.
Imagine This…
Imagine holding your baby for the first time. Imagine feeling the joy of starting your family — not someday, but soon — because you found a way to make it financially possible.
You don’t have to wait for “someday.”
You don’t have to figure it out alone.
If you're feeling overwhelmed, we’re here to help you explore payment plans for surrogacy and find options that work for your life, your goals, and your future.