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iconIn Vitro Fertilization and Surrogacy

baby wrapped in blanket
Loans for individuals or couples to offset the cost of infertility treatments, up to $20,000.

Thanks to a generous gift from Alan and Emily Feit, Jewish Free Loan offers zero interest, zero-fee loans to individuals and couples in Los Angeles, Ventura, and Santa Barbara counties who are struggling with bills and expenses related to IVF, surrogacy and other infertility complications.

With a zero interest, zero-fee loan JFLA hopes to relieve the financial burden that mounting expenses related to in vitro fertilization or surrogacy can place upon families struggling to conceive.

Applicants can receive a zero interest, zero-fee loan of up to $7,500 with one guarantor and up to $20,000 with two guarantors.

Feit 4 KidZ Press

Can same-sex couples apply for an IVF loan?

Yes. JFLA's Feit 4 KidZ Fertility Loan Fund provides zero-interest loans to individuals and couples struggling with fertility treatment costs. JFLA serves people of all backgrounds and does not restrict eligibility based on factors such as sexual orientation or gender. All applicants must be California residents (LA, Ventura, or Santa Barbara counties) and meet standard eligibility requirements.

Can an IVF loan be used to cover surrogacy costs?

Yes. IVF loans from JFLA can be used for a wide variety of expenses which can include, but are not limited to; medications, ultrasounds, blood tests, egg freezing, donor eggs and sperm, IUI and IVF cycles, and surrogacy costs.

Is there 0% interest financing available for IVF?

Yes, JFLA's Feit 4 KidZ Fertility Loan Fund offers zero-interest, zero-fee loans specifically for IVF and fertility treatments. Borrowers can receive up to $7,500 with one guarantor or up to $20,000 with two guarantors. Loans are repaid within 36 months with manageable monthly payments, and borrowers pay back exactly what they borrow—no interest or fees ever.

Can I get an IVF loan with a credit score of 550?

At JFLA, we use guarantors rather than borrower credit scores as the main eligibility requirement to secure interest-free loans. While credit inquiries are conducted on borrowers requesting $10,000 or more, the primary requirement is having qualified guarantors with strong credit (650+ score with no recent collections or bankruptcies) and steady income. This approach allows individuals with lower credit scores to access IVF financing as long as they have at least one guarantor.

How much can I borrow for IVF treatment?

Through JFLA's Feit 4 KidZ Fertility Loan Fund, borrowers can receive up to $7,500 with one guarantor or up to $20,000 with two guarantors. Applicants may not exceed a total household gross income of $200,000 annually.

What documents do I need for an IVF loan?

JFLA requires the following documents for an IVF loan application – from the borrower and borrower's spouse or domestic partner:

  • California-issued ID or driver's license (showing permanent residency in LA, Ventura, or Santa Barbara County)
  • Social Security number or ITIN
  • Proof of need (such as a bill or estimate from your fertility clinic)
  • Proof of income (demonstrating ability to repay)

Guarantors must also provide identification, proof of income, and personal contact information. All documents are submitted electronically.

Can single women get IVF loans?

Yes, JFLA's interest-free loan programs can be applied for by individuals of any marital status, including single women and men. Singles who meet the standard eligibility requirements (California residency, qualified guarantor(s), demonstrated need) can apply for up to $20,000 in interest-free financing.

JFLA Assistant