We understand that this journey has several layers of expenses and the last worry we want to impose on you is our agency's program fee. That's why we offer in-house financing options that will allow you to pay a portion of our program fee in monthly installments for up to 18 months, interest free. A deposit is required and a small non-refundable admin fee is affixed at the time of signing our contract. Additionally, a 10%-15% surcharge fee (for financing) will be added to the balance and financed with your agency fee over whichever term period you choose. Here's an example of how this typically breaks down ...

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Our Surrogacy Program Financing Terms (this is just an example):

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• $5,500 - This is your initial installment due at the time of signing our agency agreement

• $   750 - This is the admin fee affixed and also due at the time of signing our agency agreement

• $5,500 - This is your second installment due at the time of choosing your perfect surrogate

• $7,000 (or current balance) - This is your agency fee balance due and financed over 6-18 months, interest free

• $1,800 (10% of agency fee) - This is your surcharge fee due and also financed over 6-18 months, interest free

• 600 minimum Credit score is required for our 18-month financing term

• Payments as low as $489 per month

• Monthly installments will begin on the 1st of the month (which is also flexible) following a viable pregnancy confirmation

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Our Egg Donation Program Financing Terms (this is just an example): 

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• $2,500 - This is your initial installment due at the time of signing our agency agreement

• $   750 - This is the admin fee affixed and also due at the time of signing our agency agreement

• $   500 - This is your second installment due at the time of choosing your egg donor

• $2,000 (or current balance) - This is your balance due and financed over 6 months

• $   750 (15% of agency fee) - This is your surcharge fee due and also financed over 6 months

• Monthly installments will begin on the first of the month (which is also flexible) following your egg donor retrieval

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*Please Note: Our in-house financing terms are customizable. We do require a "soft" pull and basic, informal assessment of your credit profile to qualify for our in-house financing. However, when we have the opportunity to speak with you in person, we will be happy to review these options, even taking you through our finance worksheet to determine what options will best fit your budget and circumstances. Give us a call or send us an email to see how we can help you start or grow your family today!

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Most fertility clinics offer financing solutions within the office that may also provide for several discounts and/or payment options. Some discounts may include, but are not limited to:

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• Self-Pay Discounts

• Multiple IVF Cycle Discounts

• Donor Eggs / Egg Retrieval Packages

• Medication Discounts

• And More ...

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Check with your fertility clinic to determine what, if any, discount programs and/or payment plans they offer in order to reduce or soften these upfront clinical costs for you. If you do not already have a fertility clinic that you're working with, then we would be happy to make some recommendations for you.

Medical Lending through Prosper

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If all you need is a little more cushion to ensure that all surrogacy related expenses are covered, then Prosper may be a good solution for you. At www.prosper.com, you can apply for medical, baby, and adoption loans - up to $35,000 - under some pretty good terms.

• 640 Minimum credit score required

• Low interest rate

• Fixed term—3 or 5 years

• Single monthly payments

• No hidden fees or prepayment penalties

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The application process is pretty simple and qualifying is not that hard either. If, however, you find that you do not meet the minimum credit requirements, then you may want to consider our internal credit restoration program for the opportunity to improve your chances of getting approved. Call us for more details on how we can assist with this.

Lending Club's fertility financing offers easy and affordable patient financing up to $50,000. With multiple plans available, you have the ability to combine the cost of treatments, medications, and even genetic testing services.

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• Quality plans

• Fast decisions

• High approval rates

• Fair interest rates

• Affordable monthly payments

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For more information on financing any portion of your surrogacy or egg donation journey through Lending Club, please click the button below. If, however, you find that you do not meet the minimum credit requirements, then you may want to consider our internal credit restoration program for the opportunity to improve your chances of getting approved. Call us for more details on how we can assist with this.

Fertility Financing with LightStream

LightStream offers medical and adoption expense loans of up to $100,000. They guarantee the best loan experience possible or they will give you $100. Rates vary based on your credit profile. However, the following bullet points outline the benefits and terms of their loans.

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• Fixed rates

• Simple interest installment loans

• No fees or prepayment penalties

• Monthly payments will vary based on the loan amount, credit profile, and interest rate

• Florida loans subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR

• Rates are quoted assuming you take the AutoPay option

• The invoicing option is 0.50 points higher

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For more information on financing any portion or all of your surrogacy or egg donation journey through LightStream, please click the button below. If, however, you find that you do not meet the minimum credit requirements, then you may want to consider our internal credit restoration program for the opportunity to improve your chances of getting approved. Call us for more details on how we can assist with this.

Infertility Financing at Med Loan Finance

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Med Loan Finance helps to provide medical financing for infertility, adoption, even co-payments, and much more in the medical realm with loans ranging from $500 - $100,000. Though they are NOT the lender, they have an extensive database of lenders and providers who work with consumers with all types of different credit backgrounds. They have years of experience in finding the best lender for your needs. If all else fails and/or you have "average" or "less than average" credit, then Med Loan Finance may be the best solution for you. Here are their company highlights:

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• Amounts from $500 to $100,000

• Lowest, Competitive Interest Rates Available*

• 6-21 Months Interest Free*

• No Pre-payment Penalty*

• No-Money Down Options*

• Programs Options for Patients with Poor Credit

• Payments as low as 1% of Your Balance

• Fast Response Time

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*Based on credit profile and lender

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For more information on financing any portion or all of your surrogacy or egg donation journey through Med Loan Finance, please click the button below. If, however, you find that you do not meet the minimum credit requirements, then you may want to consider our internal credit restoration program for the opportunity to improve your chances of getting approved. Call us for more details on how we can assist with this.

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