IVF Loan Singapore: Costs, Subsidies & Financing Options (2026)

Sources: MOH Marriage and Parenthood Schemes; CPF, Using MediSave for outpatient treatments (accessed 4 November 2026).

Indicative figures put a fresh IVF cycle at around S$12,000–S$16,000 at a public centre before subsidies, and approximately S$11,000–S$25,000 at a private clinic. Medication, genetic testing, storage, GST and a later frozen embryo transfer (FET) may be charged separately. These are planning ranges, not live quotations; ask your clinic for an itemised estimate before arranging financing.

The final cost is especially hard to predict when treatment requires multiple attempts. Success varies significantly with age and individual medical history; an unsuccessful first cycle does not necessarily mean a second will follow the same path. MOH’s October 2026 figures put the success rate at 18.4% for women aged 35 to 39, 12.1% at 40, 7.8% at 42 and 3.7% at 44, and MOH notes that age and medical history matter more than the number of cycles. It has not published an average number of cycles a couple needs. Discuss the medical plan with your clinician and build a separate financial plan around the costs you could reasonably face.

Eligible couples at public assisted reproduction centres may receive government co-funding. For a couple where both spouses are Singapore Citizens, the scheme covers 75% of eligible costs, up to S$7,700 for a fresh cycle and S$2,200 for a frozen cycle. Lower percentages and caps apply where one spouse is a Permanent Resident or foreigner. Age, previous cycles and clinical criteria also affect eligibility.

MediSave may be used for eligible assisted conception procedures at public and approved private centres. The withdrawal limits are S$6,000 for the first cycle, S$5,000 for the second and S$4,000 for the third and later cycles, subject to a lifetime cap of S$15,000 per patient. Funds can be drawn from the patient’s or spouse’s MediSave, subject to the applicable rules and available balance.

Private clinics generally do not receive the public-centre ART co-funding described above. MOH was reviewing financing support for assisted conception procedures in 2026, so verify the latest rules before booking treatment.

*Illustrative only. Assumes relevant costs qualify, maximum stated subsidies/withdrawals can be applied, sufficient MediSave funds are available and no additional charges. In the public example, S$7,700 requires enough eligible expenditure to reach the 75% cap. Your clinic’s actual itemised bill governs.

The most useful number is not the headline price of one cycle. It is your expected payment after subsidies and MediSave, including what must be paid now and what might be due at a later stage.

Before borrowing, ask the clinic whether bills can be paid in stages or through a formal instalment arrangement. If you do need credit, compare the total repayment—not just an advertised interest rate.

The moneylender rates above are illustrations, not promised offers. EIR is shown as a yearly rate that is not compounded, the same basis banks use for their EIRs. Actual offers depend on the lender and your profile.

What the rate means for your repayments (S$20,000 over 24 months, before fees):

Repayments are calculated on a reducing balance, as licensed lenders charge interest on the outstanding principal. The admin fee is extra: at 10%, a S$20,000 loan has a S$2,000 admin fee, which pushes the EIR higher. Compare offers on EIR and total repaid, not the interest rate alone. 4% a month is the legal maximum for licensed moneylenders, not the price every borrower pays.

EIR is the true annual cost of your loan: it bundles in the interest rate, the admin fee, and how your repayments shrink your balance over time. EIR is shown as a yearly rate that is not compounded, the same basis banks use.

For licensed moneylenders, the aggregate loan limit also applies. If you earn S$20,000 a year or more, your unsecured borrowing across all licensed moneylenders is capped at 6x your monthly income, so a S$20,000 loan needs a monthly income of about S$3,334 or more if you have no other licensed moneylender loans. Below S$20,000 a year, the limit is S$3,000 (S$500 for foreigners earning under S$10,000). Bank loans do not count towards this limit.

A spouse’s income or support from an eligible co-borrower or guarantor can sometimes strengthen a loan application, depending on the participating lender’s criteria. Certain lenders may consider more than one guarantor. These arrangements may help lenders assess repayment capacity, but they do not automatically qualify a borrower for a lower rate. Lenders also consider existing debts, credit histories, loan amount and tenure. The 6x aggregate loan limit is based on each borrower’s own income, so check with the lender how a joint loan counts towards each of your limits.

IVF loans for couples who apply together are available on FundBright, with rates from 1.5% a month (18% a year before fees). The rate is not guaranteed: the lender sets your actual rate after assessing both applicants, and the admin fee makes the EIR higher. A guarantor may be legally responsible if the borrower fails to repay, so everyone involved should understand their obligations before proceeding.

FundBright is a comparison platform, not the lender. FundBright compares offers from 20+ licensed moneylenders, and personal loans from CIMB, our bank partner, are available through FundBright, subject to your eligibility.

Licensed-moneylender route: You can begin comparing possible offers through FundBright without uploading supporting documents at the initial platform application stage. If you proceed, the selected licensed moneylender must complete identity verification in person at its approved place of business, explain the terms and conduct its required credit and income checks before granting a loan. Further documents may be required.

For licensed moneylender offers, lenders at FundBright’s comparison stage see an anonymised profile rather than your name and contact details. Your full profile is shared only with the lender you choose to proceed with. FundBright runs one soft enquiry at the comparison stage, and a soft enquiry does not affect your credit profile.

FundBright’s commission structure is designed so that participating lenders pay FundBright less when they offer a borrower a lower rate. That helps align the platform’s incentives with borrowers seeking lower borrowing costs; it does not guarantee approval or that every lender will quote a lower rate.

Best offer wins. No priority, no favourites. You stay in control.

1. Confirm the amount you really need. Get an itemised quote, check co-funding and MediSave, and separate immediate costs from possible later-cycle costs.

2. Ask about non-loan payment options first. A clinic instalment arrangement or use of savings may avoid borrowing costs, if suitable.

3. Compare EIR, fees and total repayment. “0% interest” or a low monthly percentage may not mean a low effective cost.

4. Stress-test the monthly instalment. Could you still afford it if treatment costs change or household income temporarily falls?

IVF can involve difficult choices, particularly when a first attempt is unsuccessful. A sensible financing plan leaves room to make medical decisions with your clinician rather than feeling pressured by a loan. If you decide borrowing is appropriate, you can compare personal loan offers on FundBright and check the total cost and repayment terms before you choose.

Is IVF free in Singapore with subsidies?

Some eligible couples pay little or nothing out of pocket for a first cycle at a public centre after co-funding and MediSave. This depends on eligible costs and available MediSave. Private-clinic treatment usually leaves a larger gap.

Can a personal loan be used to pay for IVF?

A general-purpose personal loan can usually be used for lawful expenses such as fertility treatment, subject to the lender’s product terms. Couples who apply together can also compare IVF loans on FundBright.

Will I need documents when applying through FundBright?

No supporting-document upload is required for FundBright’s initial application. The lender may later request documents, consent for credit checks and verification before approval. Licensed moneylenders require in-person verification before granting a loan.

Is applying with my spouse guaranteed to lower the rate?

No. Some lenders may consider a co-borrower or guarantor, but product eligibility and pricing vary. Always check the borrower’s and any guarantor’s legal obligations and the personalised EIR.

Will comparing affect my credit profile?

No. FundBright runs one soft enquiry at the comparison stage. A soft enquiry does not affect your credit profile. For licensed moneylender loans, a hard pull happens only when you provide consent, during your in-person appointment at the lender’s approved place of business.