IVF Financing Options

Fertility Treatment Financing Programs | couple on computer

Prosper Healthcare Lending

Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over $3 billion borrowed and over 250,000 people empowered, this is a name and a program you can trust. Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Immediate decisions for loans under $35,000
  • Longer terms for lower monthly payments
  • No collateral required
  • No prepayment penalties
  • Fast & easy loan inquiry process
  • 100% Confidential


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On your application, use our provider # 004349


Arizona Reproductive Medicine Specialists is very excited to offer a new IVF financing option for patients undergoing infertility treatment!
CapexMD | Fertility Financing | ARMS

Via our partnership with fertility financing specialists CapexMD, we are pleased to offer our patients the most comprehensive financing options available, with customized loan programs to meet their individual needs and help ease the financial stress of treatment.

CapexMD | IVF Financing | ARMSCapexMD specializes in providing patient financing services for all fertility treatment options, including IVF financing & medication financing.  With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family.

CapexMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances and once approved, their Fertility Loan Specialists will work closely with your fertility center to ensure the funds are secured prior to the commencement of your treatment.

Apply online and receive your pre-approval within 24 hours! Click here or call 888.497.8414 to learn more about fertility financing.


Fertility Medications for CAPEXMD Borrowers CapexMD, in collaboration with DesignRX, is proud to announce a “first of its kind” program, which will allow CapexMD to offer fertility medication loans to patients who simultaneously require funding for their IVF medical treatment. Borrowers requiring financing for IVF treatments can increase their loan by up to 20%, which additional funds can be used to finance fertility medications. CapexMD has retained DesignRx Inc. as the exclusive third-party administrator for the portion of the loan designated for medications. In the event that fertility medications are included in the loan amount, payment for the medication portion will be disbursed directly to DesignRx, on behalf of the Borrower, for immediate release to the dispensing DesignRx Network Pharmacy. For more information go to http://www.capexmd.com/  and select the MEDICATIONS tab.
CapexMD | Fertility Medications | ARMS





Lending Club financing

Arizona Reproductive Medicine Specialists (ARMS) understands that many patients do not have insurance

coverage for infertility treatment.

ARMS is committed to helping patients stay in treatment so they can increase their chances of taking home a baby.

We are pleased to announce that we offer IVF financing through Lending Club Patient Financing. Lending Club offers convenient, low interest, and flexible financing options for self-pay fertility treatments as well as the Attain IVF Program. Fixed-rate plans start at only 5.99% APR** with no upfront payment needed, and no prepayment penalties.

Payments as low as $176 per month*. There is no cost or obligation to apply, for more info contact us. *$176 per month payment based on $10,000 loan amount at 7.99% APR at 72 months. **Rates subject to change. Terms available based on amount financed and credit history. 

We also have additional financing options available through Medical Financing that may meet your needs. We are here to help you throughout this process.  Our Financial Counselor will be happy to answer your questions, explain your insurance coverage benefits and review your payment and financing options. Kindly call us to discuss.

First Steps

First Steps | ARMSDesignRx and Mandell’s Clinical Pharmacy are committed to providing fertility patients with a wide number of financial options for achieving their family. We know that life isn’t always easy, and that everyone can use a little help from time to time.

First Steps is available to self pay patients needing help paying for their medications. Patients who qualify based on income or hardship cases may receive to up to 75% off their prescription purchase price! Furthermore, everyone who applies will receive some level of discount, with the largest discounts reserved for those who have the largest financial need. A tiered approach (25%, 50%, and 75%) makes it easy for patients to qualify, and easy for patients and health care providers to understand. Prescriptions eligible for these discounts may be filled at Mandell’s Clinical Pharmacy.

Qualified patient discounts are good for up to a year*.
Re-enrollment necessary after 12 months.

WINFertility treatment discounts

WINFertility Participating ProviderThe WINFertility Program offers high-quality infertility care at the most competitive cost so that more people will be financially able to access the treatments that can help them become parents.

The WINFertility Treatment Program is offered throughout Arizona to Arizona Reproductive Medicine Associates patients who have no infertility insurance coverage or who have exhausted their benefits and seek an efficient, economical way to obtain and pay for advanced fertility treatment.

  • WINFertility offers patients up to 40% savings on both treatment and medications, saving patients both time and money
  • The WINFertilityRx Program is a perfect compliment to the ARMS multi-cycle program, saving patients up to 40% on fertility medications, without forms, applications or hassles.

WINFertility offers Pay-as-you-go treatment and fertility medication coverage.

Learn more about WINFertility financing options

Need financial help for your infertility medication costs?

EMD Serono | Fertility Financing | ARMS

Through our partnership with EMD Serono, self-pay patients may qualify for savings rebates or the Compassionate Care Program.




A. Savings/Rebates For Self-Pay Patients

If you have any questions, please call 1-866-441-9463.

Self-pay patients with a valid prescription can receive a discount, via mail-in rebate, off their out-of-pocket costs for the following EMD Serono products:

  • Gonal-f® (follitropin alfa for injection) ($10.00 off per 75 IU)
  • Ovidrel® PreFilled Syringe (choriogonadotropin alfa injection) ($10.00 off per 25 mg)
  • Cetrotide® (cetrorelix acetate for injection) ($10.00 off per 0.25 mg)

You and your partner can start saving now. Download your GO Direct to Savings mail-in rebate form.

B.  Compassionate Care ~ New Tiered Approach: Eligible Patients may save either 50% or 75%

Committed to helping eligible patients overcome financial barriers, the Compassionate Care Program may provide significant savings on EMD Serono medications for uninsured, income-eligible patients.

Eligibility is based on qualifying annual household gross income and first-time participation in the Compassionate Care program

More patients can now save on Gonal-f® (follitropin alfa for injection), Ovidrel® PreFilled Syringe (choriogonadotropin alfa injection), or Cetrotide® (cetrorelix acetate for injection).

Eligible patients can use the Compassionate Care Program for multiple cycles within each year* *Patients must reapply each year.

Compassionate Care is offered by EMD Serono and requires patient enrollment:  Click here to obtain the forms and learn more about enrollment terms and conditions or call (855) 541-5926.