CapexMD

Why We Like It

CapexMD has built an extensive network of fertility clinic partnerships that enables funds to flow directly to providers — reducing paperwork for patients. Their fast approval process and broad treatment coverage (including surrogacy and adoption) make them a strong choice for borrowers who need financing quickly. Rates are fair but less competitive for borrowers who don't qualify for the best tiers.

Pros & Cons

Pros

• Partners directly with hundreds of fertility clinics for streamlined disbursement
• Offers egg freezing, IVF, surrogacy, and adoption financing under one program
• Fast approval decisions — often within 24 hours

Cons

• Interest rates on the higher end for borrowers with good (not excellent) credit
• Loan terms less flexible than some personal loan alternatives

Score Breakdown

Fertility financing options were evaluated on interest rates and total borrowing cost, repayment flexibility and hardship terms, approval speed relative to treatment timelines, and the quality of borrower support through the process.