How can we help?

Popular FAQs

Family planning loans

Family planning loans starting at 6.74% APR,

Check your rate with no impact to your credit score.

Check my loan options

Pay for family planning with a personal loan

IVF treatments

Get support for fertility procedures, medications, and clinical services.

Adoption expenses

Secure funds for matching services and home study evaluations.

Fertility preservation

Pay for medications, ultrasound monitoring, procedures, and storage fees.

Surrogacy-related fees

Cover legal costs, agency travel, and other expenses.

Flexible financing to help plan for your family

  • Amounts from $3,000 to $100,000 and terms from 12 to 84 months
  • No origination fee, no closing fee, and no prepayment penalty
  • Interest rate discount of 0.25% or 0.50% with Autopay from a qualifying Wells Fargo account
See options with no impact to your credit.

Check my loan options
‍

Family planning loan FAQs

It's a personal loan used to finance the costs of family planning. These loans are commonly used for large expenses like fertility treatments, egg freezing, embryo preservation, adoption expenses, or surrogacy-related fees. A family planning loan can also pay for prenatal care, delivery costs, childcare setup, and postpartum support. When you apply for a family planning loan through Wells Fargo, you can select the loan option that fits your budget.

Start by checking your loan options. You'll be able to see rate and payment options with no impact to your credit score. After you choose an option you like, you can apply in minutes, and most customers receive a same-day credit decision. If approved, you could have funds as early as the same day you sign, like 97% of our customers do.

A family planning loan APR can vary due to factors unique to each applicant, like loan amount, loan term, and credit history. Check your loan options for a specific amount and you'll see your rate options. Plus, if you have a qualifying Wells Fargo account, you may be eligible for a 0.25% or 0.50% discount with Autopay.

Family planning loans are available from $3,000 to $100,000, with terms as short as 12 months and as long as 84 months.  We're here to help you find what works for your needs. Start exploring personalized loan offers with no impact to your credit score. 

Yes, you can get a 0.25% or 0.50% rate discount on your family planning loan by setting up Autopay through a qualifying Wells Fargo account.

Finance your family planning in a few steps

Check your rate in minutes

Start by exploring your loan options with no impact to your credit.

Choose your loan and apply

Select the rate and monthly payment that suits your needs.

Get your funds fast

Most customers receive their funds the same day they're approved.

See options with no impact to your credit.

Check my loan options

‍

Helpful resources

How can we help?

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. The rates shown are as of 04/02/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Late fees may still be assessed.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

‍ Equal Housing Lender

DT1-03232027-12-8838707-1.2