For those diagnosed with infertility or struggling to get pregnant, finances and the cost of treatment can often be barriers to getting the fertility care they need. At Reproductive Science Center of the San Francisco Bay Area (RSC), our goal is to make fertility treatment more accessible to all. To help ease the financial stress of treatment, we’ve partnered with CapexMD, an established fertility & in vitro fertilization (IVF) financing organization.
CapexMD specializes in fertility treatment & IVF financing, offering personalized loan options to patients for all fertility treatment options, including specialized procedures and medications. Applying for a loan from CapexMD is simple, secure and fast. Patients can apply online and receive a decision within 24 hours.
CapexMD offers a variety of loan options at competitive financing rates. Each plan is tailored to address the unique financial and treatment needs of every patient to ensure affordability. Financing can also be integrated with all insurances to help patients take advantage of their available benefits.
Breaking Barriers, Building Families
Since 1983, we have pioneered fertility treatment for every kind of family. We want to help you achieve your dream of having a baby.
Request appointmentBenefits of using CapexMD fertility treatment & IVF financing
- Personalized fertility treatment & IVF financing plans with rates often much lower than credit cards.
- Easy, secure online application with pre-approval within 24 hours.
- One-on-one coordination with RSC to ensure delivery of payment and appropriate loan amount.
- Customized terms to meet individual budgets and financial circumstances.
- Plans can be integrated with all insurances.
- No annual fees.
- No pre-payment penalties (patients can pay off their loan at any time).
- Medication financing available.
- Genetic testing financing available.
How CapexMD financing is applied to fertility treatment costs
After creating a treatment plan with a doctor at RSC, patients can apply for a loan from CapexMD online. If you need assistance determining your treatment cost, contact your RSC personal financial counselor. For each financing application there is a $25 processing fee. Patients who apply during business hours can be pre-approved for a loan within 24 hours. If the application is pre-approved, CapexMD fertility loan specialists will then coordinate with the team at RSC to ensure that the loan amount will cover the costs of procedures and medication.
Once CapexMD calculates the loan amount, the patient/applicant(s) will sign the final loan documents. Funding from the loan will be applied to treatments at RSC within two business days of the patient signing final loan paperwork.
Frequently asked questions about CapexMD fertility treatment & IVF financing
Can I still apply for CapexMD if I have a poor credit score or credit problems?
CapexMD makes every effort to find an appropriate fertility and IVF financing plan, even for those with credit problems.
How will I know how much money I need to borrow?
When you complete your online application with CapexMD, you can give an estimated loan amount. CapexMD fertility specialists will then work directly with your RSC personal financial counselor to determine the exact loan amount that will cover the costs of your treatment plan. To learn more about costs and insurances accepted at RSC, visit our FAQs page, contact us or speak with a financial specialist.
What information do I need to apply?
You will need personal and financial information for both the borrower (the primary applicant) and the co-borrower (secondary applicant – typically a spouse or partner). The application will also ask you the name of your doctor at RSC Bay Area, the requested loan amount and the repayment term, or the number of months you would like to have to repay the loan.
Are there any fees associated with a CapexMD loan?
CapexMD loans have no annual fees or pre-payment penalties. There is a $25 processing fee for every application. Once the loan amount is approved and all documents are signed, there is a $75 documentation fee and a $15 fee for every $1,000 (or part thereof) of the loan amount above $5,000. The maximum fee amount is $150.
How can I contact CapexMD or apply?
You can contact CapexMD during business hours (9 a.m. to 5 p.m. PST, Monday through Friday) by calling (888) 497-8414. You can also submit a contact form at any time, and one of our fertility loan specialists will respond within 24 hours on business days.
To apply for a loan, visit our application page on our website and select the Reproductive Science Center of the San Francisco Bay Area’s application.
CapexMD fertility treatment & IVF financing loan repayment calculator
The chart below identifies common loan amounts and estimated monthly payment amounts based on the length of the loan. For a different loan amount or the most up-to-date payment calculator, use CapexMD’s loan payment calculator.
| 12 months | 18 months | 24 months | 30 months | Amount | Lower | Upper | Lower | Upper | Lower | Upper | Lower | Upper |
|---|---|---|---|---|---|---|---|---|
| $2,500 | $219 | $226 | $149 | $156 | $114 | $121 | $93 | $100 |
| $5,000 | $437 | $451 | $298 | $312 | $228 | $242 | $187 | $201 |
| $7,500 | $656 | $677 | $447 | $468 | $343 | $364 | $280 | $301 |
| $10,000 | $875 | $903 | $596 | $624 | $457 | $485 | $373 | $402 |
| $12,500 | $1,093 | $1,128 | $745 | $780 | $571 | $606 | $467 | $502 |
| $15,000 | $1,312 | $1,354 | $894 | $936 | $685 | $727 | $560 | $603 |
| $17,500 | $1,530 | $1,580 | $1,043 | $1,092 | $799 | $849 | $654 | $704 |
| $20,000 | $1,749 | $1,805 | $1,192 | $1,248 | $914 | $970 | $747 | $804 |
| $22,500 | $1,968 | $2,031 | $1,341 | $1,404 | $1,028 | $1,091 | $840 | $904 |
| $25,000 | $2,186 | $2,256 | $1,490 | $1,560 | $1,142 | $1,212 | $934 | $1,004 |
| 36 months | 42 months | 48 months | Amount | Lower | Upper | Lower | Upper | Lower | Upper |
|---|---|---|---|---|---|---|
| $2,500 | $79 | $87 | $70 | $77 | $62 | $70 |
| $5,000 | $159 | $173 | $139 | $154 | $124 | $139 |
| $7,500 | $238 | $260 | $209 | $231 | $187 | $209 |
| $10,000 | $318 | $347 | $278 | $307 | $249 | $278 |
| $12,500 | $397 | $433 | $348 | $384 | $311 | $348 |
| $15,000 | $477 | $520 | $418 | $461 | $373 | $417 |
| $17,500 | $556 | $607 | $487 | $538 | $435 | $487 |
| $20,000 | $636 | $693 | $557 | $615 | $498 | $557 |
| $22,500 | $715 | $780 | $627 | $692 | $560 | $626 |
| $25,000 | $795 | $867 | $696 | $769 | $622 | $696 |