Fertility Treatment Loan Overview


The Fertility Treatment Loan Program provides interest-free loans of up to $25,000 to low- and moderate-income residents of New York City’s five boroughs, Westchester, or Long Island to support the cost of fertility treatments, including fertility medications, artificial insemination (IUI), IVF, surrogacy, and donor eggs.

Loan amounts are based on the expenses incurred by the applicant; HFLS will disburse loan checks upon receiving documentation of such expenses.

Loans are repayable over up to five years, with the repayment term and monthly repayment amount based on the amount of the loan. Payments are made by electronic debit of a checking account, beginning one month after the loan is received.

Guarantor Information

Two guarantors are required for all loans, and both guarantors must complete and sign Guarantor Forms. A married couple is considered one guarantor. If a guarantor is married, his or her spouse must also complete and sign the Guarantor Form.  

Each guarantor is “jointly” and “severally” liable for the loan in the event you are unable to pay for any reason. This means that, while HFLS would expect each guarantor to share equally in the responsibility of repaying the loan, each is legally liable for the full amount, and any one guarantor could be called upon to repay the balance due.

Guarantors must meet the following criteria:

  • US citizens or legal residents currently living in NYC’s five boroughs, Westchester, or Long Island
  • Have a checking account, good credit, and total family income of at least $50,000 a year
  • Currently employed (HFLS prefers persons who have worked at least one year in their present position)

Even if they meet the requirements above, the following people may not guarantee a loan:

  • Persons living in the same household as the borrower
  • Persons who currently have an HFLS loan or are a guarantor on an HFLS loan
  • Pulpit Clergy (clergy are often asked to guarantee due to their high visibility within their community; this rule, therefore, exists for their own protection)
  • Persons who are unable to repay the loan

Loan Documents & Interview

The documents below are required for a Fertility Treatment Loan. Once you have completed or collected all the documents below and have all necessary signatures, contact the HFLS office at Loan@HFLS.org or (212) 687-0188 to set up a loan interview by phone or Zoom. Please send the following documents to HFLS prior to your scheduled interview.

From the borrower:

  • Loan Application, completed and signed by the borrower (and their spouse, if they are married). The Application Form is available for download at the bottom of this page; an online application is coming soon.
  • Invoices, bills, or other documentation of fertility treatments costs that are no more than one year old.
  • Copies of government-issued photo IDs that serve as proof of address for the borrower and their spouse (e.g. driver’s license). If the driver’s license does not include the borrower’s current address, HFLS will require proof of residency (e.g. a utility bill or account statement).
  • Voided check, checking account statement, or other bank document that includes the bank name, routing number, and checking account number. HFLS will use the checking account information to deposit the loan funds directly into your checking account and withdraw monthly loan repayments.

From the guarantors (guarantors may choose to send these documents directly to HFLS):

  • Guarantor Forms, completed and signed by the guarantors (and their spouses, if they are married). The Guarantor Form is available for download at the bottom of this page; an online Guarantor Form is coming soon.
  • Copies of government-issued photo IDs for the guarantors and their spouses, if they are married (e.g. driver’s license or U.S. passport).

Failure to submit these documents will delay the processing of your application. 

All applicants must have a 10-15 minute loan interview with an HFLS Loan Officer by phone or Zoom. The documents listed above should be submitted to HFLS before or at the loan interview.

During the loan interview, an HFLS Loan Officer will review your application and other required documents, ask any relevant questions, determine whether any additional information is needed, explain the rest of the loan process, and answer any questions.

Loan Decisions & Closing

HFLS reviews and decides on loan applications weekly. If we have questions about your application or guarantor, you may receive a call or email from a Loan Officer asking for further information before HFLS will make its decision.

You will receive an email within three business days of your interview advising you whether your loan has been approved. HFLS, in its discretion, may decline to make a loan, make a loan in an amount less than that requested, or require different or additional guarantors.

If your loan is approved, the email you receive will contain instructions to complete and electronically sign the final loan paperwork through DocuSign.  The final loan paperwork includes:

  • A Promissory Note, to be signed by the borrower, guarantors, and all spouses
  • An ACH authorization form, so monthly loan payments can be withdrawn automatically from your checking account (you may complete this form at your loan interview instead)

Apply Now

Apply for a Fertility Treatment  Loan Here

If you prefer to print a hard copy application, please email Loan@HFLS.org to request a PDF.