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How to Get Financial Help For Surrogacy

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Surrogacy is a very expensive process but for some intended parents, it is the best and perhaps only option for them to have a child. If you are unable to pay the high costs of surrogacy out of your own pocket, there are many ways in which you can finance the process – these are known as surrogacy loans.

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Can you get a personal loan for surrogacy?

The availability of loans for surrogacy can vary depending on the country and financial institutions involved. In some cases, it may be possible to obtain a loan specifically for surrogacy purposes. However, it's important to note that the process and requirements for such loans can be complex and not all lenders may offer them.

In countries where surrogacy is legally regulated and widely accepted, some financial institutions may offer specialized loans for intended parents to cover the expenses associated with surrogacy, including medical procedures, legal fees, and surrogate compensation. These loans are often referred to as "fertility loans" or "reproductive financing."

It's worth noting that obtaining a loan for surrogacy can be challenging due to the unique nature of the arrangement and the associated legal and ethical considerations. Lenders may have strict eligibility criteria and require a thorough assessment of the intended parents' financial stability, creditworthiness, and legal documentation related to the surrogacy process.

If you are considering surrogacy and require financial assistance, it's recommended to consult with fertility clinics, surrogacy agencies, or specialized financial institutions that have experience in providing loans for surrogacy.

What are surrogacy personal loans?

Surrogacy loans, also known as fertility loans or reproductive financing, are specialized loans designed to help intended parents cover the costs associated with surrogacy arrangements. Surrogacy can be an expensive process, involving various medical procedures, legal fees, surrogate compensation, and other related expenses. Surrogacy loans aim to provide financial assistance to individuals or couples who are seeking to become parents through surrogacy but require additional funds to cover the costs involved.

How do surrogacy loans work?

A surrogacy loan typically works like any other loan – you find a lender that offers you the right amount of money you’re willing to borrow at a rate that’s right for you and you apply. If accepted, the money will be deposited into your account for you to use on the costs of the surrogacy.

Benefits of surrogacy financing

There are a number of benefits of surrogacy financing, including:

  • Surrogacy financing enables intended parents to borrow at least some, if not the entire cost, of their surrogacy journey
  • Surrogacy financing allows intended parents to pay back any borrowed balance in easy to manage monthly installments so that the cost of surrogacy is spread out over a number of years, rather than needing to find the money all at once
  • Without surrogacy financing, some people would not be able to become parents

Types of surrogacy financing

Fortunately, there are a wide range of options for parents looking to fund their surrogacy journey. Here are some of the most popular:

  • Personal loans: these are often unsecured, but you can also find secured personal loans which will allow you to borrow more at a lower interest rate.
  • HELOC: This stands for “home equity line of credit,” which is like a second mortgage. This type of financing provides you with a revolving line of credit, using your home as collateral.
  • Credit Cards: You have the option of using a credit card to pay for a portion of the surrogacy process, but you may only want to use this financial method for smaller expenses as the interest on credit cards can quickly add up. If you have excellent credit, look into cards with a long 0% APR introductory period.
  • 401(k) Plan Loan: This type of financing allows intended parents to borrow money from their retirement funds. You are usually allowed to borrow up to 50% of your total balance and the borrowed amount must be paid back within a certain amount of time, usually taken directly out of your paycheck.
  • Fertility Financing Loans: There are a number of financial organizations that specialize in fertility finance and can provide those who are looking to pursue surrogacy with loans and more manageable payment plans. The organizations you may want to start with include Prosper Healthcare Lending, New Life Fertility Finance, and CapexMD.
  • Family and Friends: Discussing any financial matter with family and friends can be a difficult subject, but if you have a good support network around you, it is worth asking for their help to make your surrogacy journey a little easier. If there’s ever a time to ask for help, it’s around bringing a new family member into the world.

Do surrogacy grants exist that could help with my journey?

Potentially the best way to finance your surrogacy is through a grant if you are able to qualify for one. Grants are a fantastic way to secure financing as there is nothing to pay back.

The majority of these grants are given out once or twice annually to couples and individuals who meet their qualification requirements and have the strongest applications. If you find that you are not eligible with one organization that doesn’t mean you won’t be eligible with another as they all have their differing eligibility criteria.

Organizations that offer grants include:

How much does surrogacy cost?

The cost of surrogacy can vary significantly depending on various factors, including the country or region where the surrogacy arrangement takes place, the specific services involved, and the individual circumstances of the intended parents. It's important to note that the following estimates are approximate and can vary widely:

  1. Gestational Surrogacy: In gestational surrogacy, the surrogate carries an embryo created using the intended parents' or donors' genetic material, which means she is not biologically related to the child. The cost of gestational surrogacy can range from $80,000 to $150,000 or more in countries like the United States. This cost typically includes medical and legal expenses, surrogate compensation, agency fees, fertility treatments, and prenatal care.
  2. Traditional Surrogacy: Traditional surrogacy involves the surrogate using her own egg, making her the biological mother of the child. The costs for traditional surrogacy are usually lower than gestational surrogacy due to the absence of complex fertility treatments. However, traditional surrogacy is less common due to legal and emotional complexities. The costs can range from $50,000 to $100,000 or more.
  3. International Surrogacy: Some individuals or couples may opt for surrogacy arrangements in countries where the costs are comparatively lower. Popular destinations for international surrogacy include countries like India, Ukraine, and Russia. The cost can vary significantly depending on the chosen country, ranging from $40,000 to $100,000 or more, excluding additional expenses such as travel and accommodation.

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Why is surrogacy so expensive?

Surrogacy can be expensive due to several factors involved in the process. Here are some reasons why surrogacy costs can be high:

  1. Medical Expenses: Surrogacy involves various medical procedures, including fertility treatments, in vitro fertilization (IVF), embryo transfer, and prenatal care. These medical procedures can be costly, especially if multiple attempts are required to achieve a successful pregnancy.
  2. Surrogate Compensation: Surrogates play a vital role in the surrogacy process, and they receive compensation for their time, effort, and the physical and emotional challenges they face during pregnancy. The compensation varies depending on the country and specific circumstances, but it typically covers medical expenses, pregnancy-related costs, and a base fee for the surrogate's services.
  3. Legal and Administrative Fees: Surrogacy arrangements involve complex legal processes, including drafting and reviewing contracts, obtaining parental rights, and ensuring compliance with relevant laws and regulations. Legal and administrative fees can contribute to the overall cost of surrogacy.
  4. Agency Fees: Many intended parents choose to work with surrogacy agencies or facilitators to help them navigate the surrogacy process. These agencies provide services such as matching intended parents with surrogates, coordinating medical and legal aspects, and providing support throughout the journey. The fees charged by surrogacy agencies can be a significant portion of the overall cost.
  5. Insurance and Health-related Expenses: Surrogates often require comprehensive health insurance coverage to cover any potential medical complications during pregnancy and delivery. Obtaining suitable insurance can be expensive, especially if the surrogate does not already have coverage or if additional policies are required to meet the specific needs of the surrogacy arrangement.
  6. Psychological Support: Surrogacy involves emotional and psychological considerations for all parties involved. Psychological evaluations and support services for intended parents and surrogates are often recommended, adding to the overall cost.

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Tips to choosing the best surrogacy financing option

Before considering any other financing option, you will want to consider all relevant organizations to see if you qualify for any surrogacy grants and submit any applications with them.

Only once you have been unable to secure a grant should you look into borrowing money. You need to calculate how much money you are going to need so that you can only borrow as much as you need to prevent going into unnecessary debt.

You need to look at what the total cost of your loan will be, including interest rates and any additional fees, and ensure that you will be able to afford to make the repayments in the terms specified.

Take some time to reach out to intended parents or those that have already been through the surrogacy process to find out what financial options they used. This will help you to get a better idea of what works and what may not be such a good option for you.

What are the average interest rates on a surrogacy loan?

The average interest rates on surrogacy loans can vary depending on several factors, including the lender, the loan amount, the repayment period, the borrower's creditworthiness, and the country or region where the loan is obtained. It's important to note that interest rates can fluctuate over time, and the following estimates are general and may not reflect the current rates.

In the United States, where surrogacy loans are more common, interest rates on fertility loans typically range from around 7% to 20%. The specific rate offered to an individual borrower depends on their credit history, income, and other financial factors. Borrowers with excellent credit may qualify for lower interest rates, while those with lower credit scores or higher risk profiles may be offered higher rates.

Do I need to have good credit to qualify for surrogacy financing?

Having good credit can be beneficial when applying for surrogacy financing, as it can increase your chances of loan approval and potentially help you secure more favorable terms, including lower interest rates. However, the credit requirements for surrogacy financing can vary depending on the lender and the specific loan program.

While each lender sets its own criteria, many financial institutions typically consider factors such as credit history, credit score, income stability, and debt-to-income ratio when evaluating loan applications. A good credit score, which generally ranges from 670 to 850 in the FICO scoring model, can demonstrate your ability to manage debt responsibly and may result in more favorable loan terms.

If you have a lower credit score or less-than-ideal credit history, it doesn't necessarily mean you won't qualify for surrogacy financing. Some lenders may still consider your application based on other factors such as income, employment stability, and the overall strength of your financial profile.

How to get surrogacy financing

Here's a step-by-step guide on how to apply for surrogacy financing.

  1. Research and Compare Lenders: Begin by conducting thorough research to identify financial institutions or specialized lenders that offer surrogacy financing. Look for those with experience in reproductive financing and a track record of assisting intended parents. Compare their loan terms, interest rates, repayment options, and eligibility criteria to find the best fit for your needs.
  2. Gather Necessary Documentation: To apply for surrogacy financing, you will need to provide supporting documentation to demonstrate your financial stability and creditworthiness. Prepare documents such as tax returns, pay stubs, bank statements, and any other financial records that lenders may require. Organizing these documents in advance will streamline the application process.
  3. Assess Your Credit Profile: Obtain a copy of your credit report and review it carefully. Check for any errors or discrepancies that may negatively impact your credit score. If necessary, take steps to improve your credit profile, such as paying off outstanding debts or addressing any delinquencies. A higher credit score enhances your chances of securing favorable loan terms.
  4. Complete the Loan Application: Fill out the loan application form provided by the chosen lender. Be thorough and accurate in providing the required information, ensuring that all sections are completed. Along with personal details, the application may ask for information about the surrogacy arrangement, estimated costs, and other relevant factors.
  5. Provide Additional Documentation: In addition to the application form, you may be required to submit supplementary documentation. This can include a copy of the surrogacy agreement or contract, medical reports or recommendations, and legal documentation related to the surrogacy process. Ensure that all documents are properly prepared, signed, and notarized as needed.
  6. Await Loan Approval and Review Terms: Once your application is submitted, the lender will review your financial profile and assess your eligibility for surrogacy financing. They will consider factors such as credit history, income stability, and debt-to-income ratio. If approved, carefully review the loan terms, including the interest rate, repayment period, and any associated fees or conditions.
  7. Proceed with Surrogacy Arrangements: Upon accepting the loan offer, work closely with the lender to finalize the financing details. Funds will be disbursed according to the agreed terms, allowing you to proceed with your surrogacy journey. Keep in mind that surrogacy financing typically covers expenses such as medical procedures, surrogate compensation, legal fees, and agency costs.

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