Funding structured around treatment that rarely takes one cycle.
Funding available within 2 business days.
Loans from $5K to $100K.
Access to over 90+ bank, non-bank, and private lenders
Your finance broker for fast, same-week settlements.
Fertility treatment is one of the few costs where the total is genuinely unknown at the start. Most people budget for one cycle and find they need two or three, and the financial planning quietly becomes as stressful as the treatment. Financing this well is less about the first cycle and more about not being stuck if there is a second or third. Joseph Farhat and his team will look at your situation and set out what is available, structured around how this treatment actually runs rather than a single one-off cost.
Before you borrow: options worth checking first
Several things can reduce what you need to borrow. Medicare rebates a meaningful portion of most IVF cycles once you have a referral, and your clinic can tell you the item numbers, the expected rebate, and your out-of-pocket gap. Once your family has reached the Medicare Safety Net threshold in a calendar year, the rebate on subsequent out-of-hospital services increases, which can make the timing of cycles across a year matter financially, and Services Australia can confirm where you sit. If you hold private hospital cover, the fund can confirm what it covers for the hospital component and whether a waiting period applies. Many clinics offer their own payment plans, and some have lower-cost or bulk-billed programs, so it is worth asking what options exist before assuming a loan. We will still be here if a loan is the right answer.
Who we can help access finance
•Couples funding a first IVF cycle and wanting a structure that allows for more than one.
•People who have already had unsuccessful cycles and are funding another attempt.
•Those funding egg or embryo freezing, including for medical reasons before treatment.
•Single people and same-sex couples funding donor sperm, donor eggs, or reciprocal IVF.
•People pursuing surrogacy, where the costs include legal and counselling components alongside the medical ones.
•Patients funding preimplantation genetic testing or other add-ons not covered by the rebate.
•Self-employed borrowers and ABN holders whose income is real but takes longer to evidence.
•Anyone who has been offered a clinic payment plan and wants to know whether it is genuinely competitive.
How Fertility Finance Works
This is funded with a standard unsecured personal loan rather than a specialist product, which gives you flexibility a clinic plan usually cannot. The key decision is structure. Borrowing for one cycle and returning for another loan later means a second application, a second enquiry on your credit file, and a second approval that is not guaranteed. Borrowing a larger amount up front costs more in interest if you do not use it. A middle path some borrowers take is to approve a facility sized for the likely course of treatment and draw what they need. Joseph Farhat and his team will lay out the options with the numbers so you can decide with clear eyes.
What Lenders Assess
•Income and capacity: assessed on you and, where you are applying jointly, on both of you. Lenders do not assess the treatment.
•Credit profile: personal lending is risk-priced, so your file drives the rate you are offered.
•Existing commitments: other loans, card limits, and buy-now-pay-later accounts all count.
•Amount and term: a realistic total across the likely course of treatment is easier to plan around than repeated small applications.
•Purpose: stated as medical is sufficient. Lenders do not require clinical detail, treatment history, or an explanation of why you are having treatment.
•Whether you are applying jointly or individually: joint applications generally support a larger amount, and both parties are equally liable.
•Employment type: salaried is simplest. Self-employed, casual, and contract income narrow the lender list rather than closing it.
The Process: What to Expect
1.Talk to Joseph Farhat and his team about the cost per cycle, what your clinic expects the course to involve, and your income. We will ask whether you have confirmed your rebate and your gap with the clinic first.
2.Provide the basics: identification, recent bank statements or payslips, and the clinic's quote if you have one.
3.We discuss structure honestly: one cycle now versus a facility sized for the likely course, with the interest cost of each set out so the choice is yours.
4.We match your profile to the lenders most likely to approve it at a sensible cost, and lodge one application rather than several.
5.Funds are released to you, usually within two business days, so you can pay the clinic directly and manage the timing of cycles yourself.
Indicative Finance Options
Route
Pricing
Typical Amount
Loan Term
Suits
Speed to Funding
Bank personal loan
Sharpest available pricing
$5K to $75K
1 to 7 years
A planned course of treatment
3 to 10 business days
Non-bank personal loan
Priced for flexibility
$2K to $100K
1 to 7 years
Faster access, or a more complex file
Within 2 business days
Clinic payment plan
Set by the clinic, sometimes interest free for a period
Usually one cycle
Usually under 24 months
A single cycle paid to that clinic
Immediate
Indicative figures only. Actual terms depend on your circumstances and lender assessment at the time of application. We quote your rate and comparison rate for your specific loan amount and term before you apply. Terms are subject to change.
Why borrowers choose Settled With Joe for fertility finance
•We represent you, not the lender: Joseph Farhat and his team act in your interest, and on consumer lending that is a legal duty, not a slogan.
•We plan for more than one cycle: most people need more than one, and a structure that assumes a single attempt is the most common mistake we see on this product.
•We will tell you to confirm your rebate first: Medicare and the Safety Net can change the gap significantly, and those checks cost nothing.
•Funds go to you, not the clinic: that means you can change clinics, pause treatment, or use a different provider without renegotiating your finance.
•One conversation, not five applications: a second loan application after an unsuccessful cycle is harder if your file already carries several enquiries.
•No clinical detail required: lenders fund the amount, not the treatment. We do not ask about your history and neither do they.
•The clinic plan is one option, not a comparison: it may well be the cheapest, and that is worth being able to see rather than assume.
•90+ lenders on one panel: bank, non-bank, and specialist, so a clean file gets a sharp rate and a complex one still has options.
•Usually no direct cost to you: as a broker we are typically paid by the lender on settlement.
•An honest answer early: tell us the timeline and we will tell you what is realistically achievable.
Frequently Asked Questions
It is funding used to cover the out-of-pocket cost of fertility treatment, including IVF cycles, medication, egg or embryo freezing, donor services, and genetic testing. In practice it is a standard unsecured personal loan taken for that purpose rather than a specialist product. That matters, because the funds come to you rather than being tied to one clinic, and you keep control over timing and provider.
This is the most important question on this page. Most people need more than one cycle, and borrowing for exactly one means returning for a second application at a point when you may have less financial capacity and another enquiry on your file. Borrowing more up front costs interest on money you may not use. There is no universally right answer, but going in with a plan for the likely course rather than the best case is what separates a manageable outcome from a stressful one. We will price both so the decision is informed.
Not directly. Lenders assess your income, your commitments, and your credit file. They do not know the outcome of your treatment, do not ask, and have no way of taking it into account. What can change between applications is your own financial position, since the first cycle has already been paid for and may now sit as a commitment on your file. That is exactly why structuring the first loan with a possible second cycle in mind is worth doing.
Only to the extent that you state a purpose category such as medical. Lenders do not require clinical detail, a diagnosis, a treatment plan, or any explanation of why you are having treatment. If you provide a quote it may show the clinic name and the amount, and that is the extent of it. This is a common concern and the answer is that your medical information stays yours.
It varies widely by clinic, by state, by whether you use a full-service or lower-cost provider, and by what your treatment involves. Medicare rebates a meaningful portion of most cycles once you have a referral, and the Medicare Safety Net can increase the rebate on later services in the same calendar year. Medication, genetic testing, freezing, and storage are commonly additional. Your clinic is the authoritative source for your gap, and it is worth asking them for the total across a likely course rather than a single cycle.
Sometimes, particularly where it is genuinely interest free over a defined period and you can clear it within that period. Where the interest-free window ends, or where monthly fees apply, the total can exceed a personal loan comfortably. Clinic plans also usually cover a single cycle at that clinic, which is the limitation that matters most here. Bring us the plan you have been offered and we will price the alternative against it honestly, including telling you when the clinic plan wins.
Every credit application is recorded on your file, and several in a short window read poorly to the next lender. That matters more than usual here, because a second application for a further cycle may come six or twelve months later, and you want your file in good shape for it. We work out which lender fits before anything is lodged, so your file carries one enquiry rather than several.
A comparison rate combines the interest rate with the standard fees into a single figure so two loans can be compared honestly. It matters here because clinic plans often quote a monthly fee rather than a rate, which is hard to compare against a loan without doing the arithmetic. A comparison rate is also only meaningful for a specific amount and term. We quote your rate and comparison rate for your real numbers alongside the total dollar cost.
Yes, and it is common. A joint application usually supports a larger amount because both incomes are assessed. Both parties are equally liable for the whole debt, which is worth understanding clearly rather than assuming it splits. Applying individually is also perfectly workable if that suits your circumstances better. Single applicants and same-sex couples are assessed exactly the same way as anyone else.
Yes, we do. A default, an old arrears listing, or a thin credit file does not rule you out, and it is not something we will make you feel awkward about. Most people carrying a listing picked it up during a period they did not plan for. Several lenders on our panel assess your current capacity rather than the credit file alone, and price for it rather than decline it. Telling us early lets us approach the right lender first instead of adding enquiries to your file.
Yes. When we provide credit assistance on consumer lending we owe you a best interests duty. We make reasonable enquiries into your financial situation, requirements, and objectives, and we must not suggest or help you apply for a loan that is unsuitable for you. On this page that duty is why we point you to your Medicare rebate and the Safety Net first, and why we raise the multiple-cycle question rather than simply writing the loan you asked for. Before we provide credit assistance you will receive our Credit Guide.
Because the structure matters more than the rate on this one. Most of the people we help are couples and individuals who have budgeted carefully for a cycle and have not been asked what happens if they need a second. There is no judgement in the conversation and we do not ask about your treatment. What matters is your capacity, your credit file, and how the course of treatment is likely to run, because that determines the structure. We will point you to your rebate and the Safety Net first, since those reduce the cost rather than finance it, and if a loan is still the answer the funds come to you rather than being tied to one clinic. Our panel covers 90+ bank, non-bank, and specialist lenders. We are based in Sydney and work with borrowers Australia-wide. Joseph Farhat and his team will tell you honestly and early what is achievable.
No. We do not guide you on your finances, nor give financial advice. We focus on outcomes and solutions of presenting your unique scenario to the right lender so you can access funding in a timely and compliant manner.
Yes. Settled With Joe is based in Sydney but arranges personal finance Australia-wide, covering both metro and regional areas. We work with clients in Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra, as well as regional areas including Newcastle, Wollongong, Geelong, Gold Coast, Sunshine Coast, and Toowoomba. Lender appetite does not vary by location on this product, though clinic pricing and the availability of lower-cost providers do vary by state. Joseph Farhat and his team will identify which lenders on the panel are the best fit for your situation.
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Why Settled With Joe?
✓Specialist commercial and personal finance broker
✓90+ lender panel across bank, non-bank, and private
✓Loans from $20,000 to $10,000,000
✓Urgent finance within days
✓Financing complex and unique scenarios for both personal and business scenarios
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Great experience from start to finish. Joe was professional, responsive and transparent throughout the entire process. He explained everything clearly and made it easy to move forward with confidence. Highly recommend for anyone looking for reliable and trustworthy financial services.
