Yes, you can get a loan to help cover the costs of surrogacy.
While surrogacy can be expensive—often ranging from $80,000 to over $150,000—many intended parents explore financing options, including personal loans, specialized fertility financing, or even home equity loans to help make their dream of parenthood a reality.
Why Consider a Loan for Surrogacy?
Surrogacy is a beautiful journey, but it’s also a significant financial commitment. Costs often include:
- Agency fees
- Legal and medical expenses
- IVF procedures
- Surrogate compensation
- Insurance and other unexpected costs
Since most health insurance plans do not cover surrogacy-related expenses (especially surrogate compensation and agency fees), intended parents often seek alternative financing solutions.
More: How Much Does Surrogacy Cost with Insurance in Texas?
Types of Surrogacy Loans and Financing Options
- Personal Loans
- Offered by banks, credit unions, or online lenders
- Unsecured (no collateral required)
- Can be used for any surrogacy-related costs
- Interest rates depend on credit score
- Fertility Financing Companies
- Some lenders specialize in fertility or surrogacy loans (e.g., Future Family, CapexMD, Prosper Healthcare Lending)
- Often more flexible in terms of loan purpose and repayment plans
- May work directly with your clinic or agency
- Home Equity Loans or Lines of Credit (HELOC)
- Use your home as collateral
- Lower interest rates compared to unsecured loans
- Risk: Your home is on the line if you can’t repay
- Credit Cards
- Best for covering smaller or short-term expenses
- High interest rates make this less ideal for long-term financing
Tips Before Taking a Surrogacy Loan
- Understand the full cost: Get a clear estimate from your agency or clinic
- Compare interest rates: Shop around before committing
- Check your credit: Higher credit scores often mean better terms
- Ask your agency: Some agencies offer in-house payment plans or work with lenders
More: Finding a Surrogate Mother in Houston: A Step-by-Step Guide
Other Support Options
- Grants: Some nonprofit organizations offer fertility or surrogacy grants
- Crowdfunding: Platforms like GoFundMe are commonly used by families seeking financial support
- Employer Benefits: Some companies now include fertility support or surrogacy reimbursement as part of employee benefits
Final Thoughts
Taking out a loan for surrogacy is a big decision—but for many families, it’s a lifeline that brings them closer to parenthood. Just like the surrogacy journey itself, financing it requires careful planning, support, and trust in the process.
