Intended Parents

Current Surrogacy Loan Rates [2025]

Everything You Need to Know

Surrogacy is a life-changing journey, but it often comes with financial responsibilities. Thankfully, surrogacy loans offer a practical solution, helping intended parents manage expenses and achieve their dreams of building a family.

Curious if you qualify for a surrogacy loan? Reach out to us now to speak with a professional about your loan options.

Understanding current surrogacy loan rates in 2025 can help you make informed decisions about financing your family-building journey.

In this guide, we’ll:

Define surrogacy loan rates
Explain surrogacy loans are determined
Review available loan options
Provide tips for securing the best rates

What Are Surrogacy Loan Rates, and How Are They Determined?

Surrogacy loan rates are the interest rates lenders charge for borrowing money specifically for surrogacy-related expenses.

Loan Rates Are Based On

Credit Score
A higher credit score typically results in lower interest rates.
Income
Lenders assess your income to determine your repayment ability.
Loan Term
Shorter repayment periods usually have lower rates but higher monthly payments.
Lender Type
Surrogacy-specific lenders often offer fixed or competitive rates compared to traditional personal loans.

When comparing surrogacy loans, it’s essential to look beyond the interest rate and consider the Annual Percentage Rate (APR), which includes additional fees. The APR provides a clearer picture of the total cost of borrowing.

What to Look For When Comparing Loan Offers

When evaluating surrogacy loan options, pay attention to:

APR: This includes the interest rate and additional fees.
Monthly Payment: Ensure it fits within your budget.
Repayment Terms: Longer terms mean lower monthly payments but higher overall costs.
Fixed vs. Variable Rates: Fixed rates remain constant, while variable rates can fluctuate.

Always read the fine print to understand any hidden fees or penalties.

Current Surrogacy Loan Rates for 2025

Lender	APR Range	Key Features
CapexMD	Competitive	Fixed rates, surrogacy-specific
BetterMed	Transparent	Loans for bad credit available
SoFi Personal Loans	8.99% - 29.49%	Fixed rates, flexible terms
U.S. Bank LGBTQ+ Loans	8.74%-24.99%	Fixed APR, no hidden fees and inclusive family planning focus

Using a Surrogacy Loan Calculator

A surrogacy loan calculator is a valuable tool that helps you estimate your monthly payments based on your loan amount, interest rate, and repayment term. These tools provide transparency, allowing you to plan your budget effectively.

For example, let’s assume:

Loan Amount: $50,000
Interest Rate: 8%
Loan Term: 5 years (60 months)

Using a surrogacy loan calculator, your estimated monthly payment would be approximately $1,013.

There are surrogacy loan calculators available through CapexMD or BetterMed to calculate your costs based on your unique needs.

Types of Surrogacy Loans

1. Personal Loans for Surrogacy

Personal loans from banks, credit unions and finance companies are versatile but may have higher interest rates for borrowers with lower credit scores.

US Bank Personal Loans: US Bank offers LGBT families unsecured personal loans up to $50,000 for members and up to 25k for non-members with fixed rates and no annual fees. These loans can be used for surrogacy-related expenses, and funds are typically available quickly after approval.
SoFi Personal Loans: SoFi provides personal loans up to $100,000 with competitive interest rates and no hidden fees. They also offer perks like unemployment protection, making this a flexible option for surrogacy financing.
PNC Personal Loans: PNC offers personal loans ranging from $1,000 to $35,000 with flexible repayment terms. Their streamlined application process makes it easier to secure funds for your surrogacy needs.

2. Fertility/Surrogacy-Specific Loans

These loans, like those from CapexMD and BetterMed, are tailored for family-building expenses and often include competitive fixed rates.

CapexMD: Offers flexible loan terms tailored to surrogacy expenses, including medical and legal costs.
LightStream: Loans range from $5,000–$100,000 with no collateral required.
Sunfish: Specializes in financing options up to $100,000 for fertility and surrogacy, offering customized payment plans to fit your budget.
Future Family: Offers tailored loan programs that include concierge services, helping intended parents manage payments while navigating the surrogacy process.

3. 401(k) Loans

Borrowing against your 401(k) allows you to access funds quickly, but it may affect your retirement savings.

4. Loans for Bad Credit

Some providers offer options for borrowers with lower credit scores, though these may come with higher APRs.

BetterMed: Provides up to $350,000 in loans with zero percent interest rates.
Prosper: Offers a simple, flexible and reasonable options for financing up to $50,000.

How to Get a Loan for Surrogacy

To secure the best surrogacy loan rates, consider the following strategies:

Check Your Credit Score
Your credit score plays a significant role in determining your loan eligibility and interest rates. Paying down debt and reducing credit utilization can improve your score.
Increase Income
Additional income streams can strengthen your application.
Apply with a Cosigner
A creditworthy cosigner can help you secure a loan with better terms.
Opt for Shorter Terms
Short repayment periods often come with lower rates.
Compare Offers
Use tools like a surrogacy loan calculator to evaluate interest rates, APR, monthly payments and terms.
Use a Surrogacy Loan Calculator
A loan calculator can help you understand how much interest you’d be paying helping you budget accordingly.

Alternatives to Surrogacy Loans

If surrogacy loans aren’t the right option for you, consider:

Grants
Some organizations offer surrogacy grants to reduce costs.
Clinic Payment Plans
Many fertility clinics provide installment plans.
Employer Benefits
Check if your employer offers financial assistance.
HSA/FSA
Use tax-advantaged accounts to cover eligible expenses.
401(k) Withdrawals
A last-resort option with potential tax implications.

Surrogacy loan rates in 2025 vary widely, but with the right preparation and resources, you can secure financing that fits your needs.

Whether you’re exploring personal loans, surrogacy-specific financing or alternative funding, understanding your options is the first step to building your family.

Ready to start your journey? Reach out to us today for personalized advice on financing your surrogacy journey.