Fertility Treatment Loans

HFLS provides interest-free loans of up to $25,000 to help cover the cost of fertility medications, artificial or intra-uterine insemination (IUI), IVF cycles, donor egg programs (including lab fees and egg purchases), or surrogacy costs.

Fertility Treatment Loans require documentation of cost (invoices or bills for treatments) and documentation or a letter from the insurance company indicating how much the applicant’s insurance plan will cover. The loan is made in installments based on the costs incurred by the borrower. Loans are repayable in equal monthly installments over up to five years.

For more information about Fertility Treatment Loans, required documents, and the HFLS loan process, please view the Fertility Loans Information Sheet. Contact HFLS at (212) 687-0188 or loan@hfls.org with any questions or to request an application.

The Hebrew Free Loan Society makes interest-free loans to low- and moderate-income individuals and families living in New York City’s five boroughs, Westchester, or Long Island. You can view our income guidelines here.

If you have financial need for an interest-free loan but your household income is higher than the amount listed for your household size, please contact HFLS at (212) 687-0188 or loan@hfls.org to discuss whether you qualify for a loan based on your specific situation.