Fertility & IVF

Fertility treatment
loan

IVF and fertility treatment can cost £5,000–£15,000 per cycle. Cash Train's Plus tier provides up to £5,000 toward treatment costs, helping you take the next step without delay.

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Unregulated lender • Apply online — decision in minutes

What fertility treatment costs

Typical UK fertility treatment costs

IVF cycle (self-funded)

£3,500–£6,000

A single IVF cycle including drugs. UK average is around £4,500–£5,000 at most private clinics.

Frozen embryo transfer

£1,000–£2,500

Using previously frozen embryos is cheaper than a full IVF cycle and often tried after an initial cycle.

IUI (intrauterine insemination)

£600–£1,200

Less invasive than IVF. Often recommended as a first-line treatment before progressing to IVF.

Initial investigation package

£500–£1,500

Blood tests, sperm analysis, hysteroscopy, and consultant review required before treatment begins.

Prices vary by clinic, location, and individual treatment protocols. Always obtain a full itemised quote from your clinic before proceeding.

Loan options

Match the loan to your treatment plan

Cash Train offers two tiers suited to fertility treatment costs. Flex covers investigations and less invasive procedures; Plus is designed to make a meaningful contribution toward an IVF cycle.

Flex

£500–£2,000

3–12 months

IUI cycles, initial investigations, or a partial contribution toward an IVF cycle.

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Plus

£2,000–£5,000

6–24 months

A significant contribution to an IVF cycle. Spread over a comfortable, fixed repayment term.

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The process

How Cash Train works

Apply online

Fill in a short form with your details and the amount you need. Takes under 3 minutes.

Fast decision

Our technology checks your affordability and credit profile. Most decisions take under 2 minutes.

Money to your account

Approved and signed? We transfer funds direct to your bank — most arrive the same day.

Common questions

Fertility treatment loan FAQs

NHS-funded IVF is available in some areas under NICE guidelines — typically 1–3 cycles depending on your integrated care board. Criteria vary widely and many couples don't qualify or face multi-year waits.

Some fertility clinics offer their own in-house payment plans. Always compare the total cost carefully, including any interest or arrangement fees, against a personal loan.

Your loan obligation remains regardless of outcome. Carefully consider your financial resilience if multiple cycles may be needed before borrowing a large amount.

The Fertility Network UK charity operates a bursary fund for those who cannot self-fund. Some employers also include fertility treatment as a workplace benefit. Both are worth exploring before borrowing.