iconIn Vitro Fertilization, Adoption and Surrogacy

baby wrapped in blanket

Loans for individuals or couples to offset the cost of infertility treatments, and the costs related to adoption, up to $20,000.



Number of GuarantorsMaximum Loan Amount

All borrowers must have at least one qualified guarantor.

Applicants may not exceed a total household gross income of $200,000 annually.


  • Applicants must be at least 18 years of age and have a current CA issued ID and Social Security number.
  • ⁠Applicants must have a CA issued ID or driver's license showing permanent residency in Los Angeles, Ventura or Santa Barbara County
  • Applicants must demonstrate a need 
  • Documentation provided must have a consistent mailing address
  • ⁠Applicants must show ability to repay the loan. Loans are paid back within 36 months and payments begin 30-45 days after receiving funding. (A few of our loan funds have shorter or longer repayment rates, please check the loan description for more information.)
  • Guarantor requirements are listed in the table above
  • Applicants cannot be a current Borrower or Guarantor on a JFLA loan
  • Please note, married couples are considered as one applicant or one guarantor

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 adoption including mental health expenses related to infertility.

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

JFLA Assistant