IVF Loans from Nifty May Just Help You Create a New Beginning

ivf loans

For people who’ve never been through in vitro fertilization (IVF), it’s hard to imagine everything a couple goes through to create the wonderful gift of life. Not only do they have to cope with arduous, long and sometimes painful treatments, there are also financial expenses that add to the burden. If you’re struggling and considering fertility treatments, IVF loans may be something to consider.

In the last decade, IVF treatment has become more advanced and its success rate has substantially increased. Now, couples who can’t conceive naturally have a greater chance of bearing a child of their own through IVF treatment. Despite this, it’s still a lengthy process. Moreover, IVF comes with a hefty price tag and many can’t pay for it out of pocket.

At Nifty, we understand the pain of infertile couples. We know that IVF treatment can be costly and many want a simple solution to finance it – one that doesn’t add to the stress couples may already be under. That’s why we offer IVF loans to help manage your treatment expenses. With quick loans for IVF, you can spread the cost of your treatment over time.

Getting a Loan for IVF Treatment

If you have decided to grow your family with IVF treatments, you can apply for an IVF loan through Nifty. Our application process is paperless and painless. Just provide simple information and have our experts review it. We may provide you with an outcome within 60 minutes (during normal business hours). If you get approved, funds will be transferred to you the same day, if approval takes place during normal business hours. Our IVF loans may just help you create new beginning, so don’t hesitate to apply for one.

What are the possible costs?

Loans up to $2,000

The standard amount you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our smart loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Loans up to $4,600

The interest rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Loans up to $5,000

The interest rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Click Here to Apply

What does IVF cost in Australia?

When a couple decides to go for a baby, they generally hope that they’ll be seeing those lines on the pregnancy test soon after. Unfortunately, that doesn’t happen for some people. When a couple finds that one of them is infertile, it can be a stressful time for them. In the past, there were limited treatments for infertility issues. However, now there are more advanced fertility treatments available to make it possible for infertile couples to give birth to a child of their own. Fertility treatments like IVF have a good success ratio.

There is an undeniable financial pressure on the family who applies for an IVF treatment as it tends to be expensive. Fortunately, an quick personal loan can be used to finance the treatment. Couples who are looking to undergo IVF may have a number of questions on their minds. The most important ones are: How much does IVF cost? How much is IVF in Australia?

Like many other medical treatments and procedures, IVF costs vary considerably between individual centres and practitioners. There isn’t a single consistent fee between every clinic in the country and each has set their own fee structure for IVF. The fee structure is usually available on the clinic’s website. Generally, an IVF treatment may cost you around $15,000. However, you may have to pay a higher amount depending on your individual circumstances. Due to the high cost of IVF treatments, it may be necessary for you to borrow money to fund the treatment. At Nifty, we offer a fast personal loan for fertility finance. We may just make your dream of having your own child come true.

Can I get a personal loan for IVF?

There could be different causes for infertility, including problems with ovulating, low sperm count, damaged or blocked tubes, cervical and/or uterus issues, and weight, diet and other issues. Couples who experience fertility issues during their reproductive window can use the IVF treatment to create the gift of life.

Our IVF personal loans can be used for financing fertility treatments. At Nifty, we may help you build the family of your dreams. We can assist if you are struggling with infertility and long for a child. Our IVF personal loan process is quick and easy, ensuring you have access to your approved funds within a day or two. There are no shady fees or nasty gimmicks when you apply for IVF personal loans through Nifty.

How to Apply for IVF Personal Loans?

Applying for an IVF personal loan through Nifty is a breeze. Just follow the process and you’ll be done with it in a matter of minutes.

Part One: Fill the Online Application

Our application process is paperless and painless. Just fill out our super simple application that can take only minutes to complete. To start, click here and use our loan calculator to start your application. Select the amount of cash you need to borrow and how long you need to pay it back. After this, click the “apply now” button and fill in the required information.

Part Two: Fast Outcome

At Nifty, we hate waiting and we are sure you do too. So, we don’t take long to process your application. Our team will quickly determine whether you can reasonably afford your repayments on your loan. We may just provide you with an outcome within 60 minutes after you apply (provided you apply during normal business hours).

Part Three: Cash Straight to Your Bank

If you’re approved we may transfer the funds to you on the same day (if approved during normal business hours).

Eligibility Criteria for IVF Personal Loans

We have simple requirements that you must meet before applying for an IVF personal loan. These include:

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • You must have valid contact details
  • You must be able to show that you have been receiving a regular income for the past three months

Credit Checks for IVF Personal Loans

When you apply for an IVF personal loan through Nifty, we do check your credit. However, credit isn’t the only thing we take into account. There are other factors we take into consideration. So, you may be able to qualify for our IVF loans as long as you can afford to repay the loan.

How to Calculate Interest on an IVF Loan?

At Nifty, we offer cash loans Australia of up to $5,000. We do charge interest on our IVF loans, but our loans come with simple repayment structures which may make them more convenient for you. So, if you are looking for a personal loan to finance your IVF treatment, we may be able to help you.

Click here to apply for a loan through Nifty Personal Loans or view our repayment calculator.

Fertility Financing with Bad Credit

At Nifty, we realize that people can experience financial issues that can impact their credit over the long haul. However, bad credit score shouldn’t prevent them from getting an IVF loan to build their family. That’s why we offer bad credit IVF loans for those who have a poor credit.

At Nifty, we don’t make false promises. There are no shady fees or hidden charges associated with any of our loan products. You’ll know exactly what you are paying for when you apply.

We do check your credit, but we consider a lot more than that to determine whether you qualify. We know there could be good qualities that make you shine. Our loan specialists look at those qualities and give you a fair go. This means you may just qualify even with bad credit. Now, that’s Nifty!

Sounds too good to be true? You might be wondering if there’s a catch somewhere. Well, there’s no catch. We offer simple and easy IVF loans, designed to help you create new beginnings.

Click Here to Apply for Bad Credit IVF Loan Through Us!

Create a New Beginning with Nifty

You no longer have to put off an IVF treatment just because you don’t have the money to pay for it. You might just further decrease your chances of conceiving if you delay the treatment. Therefore, finance your fertility treatment with our IVF loans now before it is too late and you lose all your hopes of having your own child.

The low rate and simple repayment structure may make an IVF loan from Nifty a convenient and affordable option. IVF treatment with our personal loan may just help you create a new beginning.

Still not sold on using our IVF loans to fund your treatment? Well, when you apply with Nifty, you can eliminate the stress of handling mountains of paperwork and waiting days to hear back from lenders. All our applications are processed online and you can get an outcome within minutes. It’s not just our application process that’s easy. We also have simple repayment plans. You’ll be set with a direct debit that’ll automatically come out of your account on the day you agree to our terms. This way you won’t have to worry about repayments. When you repay your IVF loan, the payments stop. It is really that easy.

Let us help you open the door to happiness. Apply today.

Want to know more about Nifty? Find out about a bank loan today!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews


"I have found the nifty team to be quick helpful friendly and always try to exceed there expectations."

- Colleen Hogden


Types of loans