About IVF Funders

Company: IVF Funders (JFK Capital Limited), New Zealand

What we do: Unsecured personal funding that spreads the cost of IVF and fertility treatment for New Zealand patients, covering IVF cycles, ICSI, egg freezing, embryo freezing and storage, frozen embryo transfers, donor egg and donor sperm programmes, and fertility assessments.

Why we exist: Private fertility treatment in New Zealand is a significant upfront cost, and many patients delay treatment while they save. IVF Funders turns that one-off bill into simple instalments, so treatment can start when you are ready. Funding is provided to the patient and can be applied toward your chosen clinic.

Key facts:

  • NZ-owned and operated, lending nationwide
  • Regulated under the Credit Contracts and Consumer Finance Act (CCCFA)
  • Financial Service Provider registration: FSP1010017
  • Decision typically within one business day
  • Funding is provided to the patient and can be applied toward your chosen fertility clinic
  • Unsecured: no security is taken over your property or assets

Contact: Phone: 0800 333 729, Email: info@ivffunders.co.nz

What we finance: IVF cycles, ICSI, egg freezing, embryo freezing and storage, frozen embryo transfers, donor egg and donor sperm programmes, and fertility assessments and investigations.

Where we lend: All of New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier-Hastings, Palmerston North, Nelson, Queenstown, and rural areas nationwide.

What is IVF Funders?

IVF Funders is a New Zealand lender that helps patients spread the cost of IVF and fertility treatment over time. Funding is unsecured personal lending from NZD 2,000 to NZD 30,000, provided to the patient and applied toward your chosen fertility clinic. IVF Funders is a trading name of JFK Capital Limited, an FSPR-registered NZ lender (FSP1010017).

How does IVF funding work in NZ?

IVF Funders provides an unsecured personal loan that spreads the cost of treatment into simple instalments. Apply online with your income evidence, get a decision in a business day, and the funding can be applied toward your fertility clinic. Affordability is assessed under the Credit Contracts and Consumer Finance Act 2003.

How much can I borrow for fertility treatment in NZ?

IVF Funders provides funding from NZD 2,000 to NZD 30,000 for IVF cycles, ICSI, egg and embryo freezing, frozen embryo transfers, donor programmes and fertility assessments. Indicative rates range from 11.95% to 21.95% per annum depending on your credit profile. Terms run from 12 to 48 months.

Who can apply for IVF Funders funding?

IVF Funders lends to New Zealand residents 18 and over who can demonstrate affordability under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). We accept applications from PAYE earners, self-employed Kiwis, and couples funding treatment together (subject to assessment).

How long does approval take?

Most applications get a decision within one business day. Once your funding is confirmed and your agreement is signed, you can book treatment with your clinic on your own timeline.

Is IVF Funders treatment funding secured?

No. Funding is unsecured personal lending, so no security is taken over your property or assets. We fund the patient directly, so you keep full choice of fertility clinic and specialist.

About IVF Funders, Fertility Treatment Funding for New Zealanders

What IVF Funders does: IVF Funders is a New Zealand-owned lender that helps patients spread the cost of IVF and fertility treatment: IVF cycles, ICSI, egg freezing, embryo freezing and storage, frozen embryo transfers, donor egg and donor sperm programmes, and fertility assessments. We provide funding from NZD 2,000 to NZD 30,000 over terms from 12 to 48 months. Funding is unsecured.

The product mechanic: Private fertility treatment is a significant upfront cost, and many patients delay treatment while they save. IVF Funders writes an unsecured personal loan that turns that one-off bill into simple instalments. No security is taken over your home or assets, and the funding is provided to you as the patient so you keep full choice of clinic.

How we work: You apply online in a few minutes. We assess affordability under the CCCFA using your bank data, with your consent, so you do not need to chase paperwork. We decide within a business day. Once your funding is confirmed, it can be applied toward your chosen fertility clinic.

Who we lend to: New Zealand residents 18 and over. We accept employees, self-employed Kiwis, and couples funding treatment together, each assessed on their own circumstances subject to affordability.

What we finance: IVF cycles, ICSI, egg freezing, embryo freezing and storage, frozen embryo transfers, donor egg and donor sperm programmes, and fertility assessments and investigations. In many cases the funding can also cover medications and monitoring.

Geographic coverage: All of New Zealand, with active lending in Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier-Hastings, Palmerston North, Nelson, Queenstown, and rural areas nationwide.

Company details: JFK Capital Limited, FSP registered (FSP1010017), New Zealand-owned and operated. Contact: 0800 333 729 or info@ivffunders.co.nz

IVF & fertility funding

Funding the family you've been hoping for.

Spread the cost of IVF and fertility treatment into simple instalments, so you can start when you are ready. NZ owned, plain English, a decision in a business day.

Apply for funding How it works
NZ owned and operated Lending under the CCCFA
A hopeful couple at home in warm natural light
Fast decisions
Compassionate
Confidential

Treatment shouldn't wait for savings . We turn a large upfront cost into a simple repayment , so your focus can stay on growing your family .

How it works

Simple, start to finish

1

Apply online

A short application with your details, income, and the treatment you are funding. It takes a few minutes and there is no obligation.

2

Get approved fast

We assess affordability under the CCCFA and come back with a real decision, usually inside one business day.

3

Treatment funded

Once your agreement is signed, your funding is ready to put toward your clinic, and you repay in simple instalments.

Indicative costs

What it might cost

Funding amount
$2,000 to $30,000
Terms
12 to 48 months
Indicative rate
11.95% to 21.95% p.a.
Establishment fee
$295
Security
Unsecured
Decision time
1 business day

Example: $12,000 over 3 years

$431 / month

or about $99 per week

Total repayable: $15,513

at 14.95% p.a. indicative rate

Apply for funding

Indicative only. Not an offer of finance or a CCCFA disclosure. All figures are placeholders pending confirmation, and your actual rate, fees, and repayments depend on an affordability assessment. TODO: confirm all figures with the client.

Quick estimate

See what your treatment could cost

Pick your treatment and the amount you need, and we will show you an indicative repayment in seconds. It takes about a minute.

  • No credit check at this step
  • An indicative monthly and weekly figure in seconds
  • No obligation, no pressure

Get an indicative funding estimate.

Takes a minute. No credit check at this step.

Indicative estimate only. Your final rate depends on a CCCFA affordability check.

What we fund

Treatments we fund

From a first assessment through to a full cycle, ICSI, freezing and donor pathways. Whatever stage you are at, we can spread the cost into simple instalments.

Apply for funding
The IVF Funders team, NZ owned and operated
About IVF Funders

A trusted partner for your fertility journey.

IVF Funders is a New Zealand lender, a trading name of JFK Capital Limited. We exist to take the financial pressure out of fertility treatment, so cost is one less thing to carry. We fund the patient directly, which means you keep full choice of clinic and specialist, and we assess every application for affordability under the CCCFA.

NZ owned FSP1010017 FSCL member Responsible lender
$30k

funding available per treatment plan

1 day

typical time to a funding decision

100%

choice of your own fertility clinic

What people say

Real journeys, real support

"Spreading the cost into monthly payments meant we could start our cycle straight away instead of waiting another year."
Hannah and TomAuckland
"The application was quick and the people we spoke to were genuinely kind about a sensitive situation."
Priya and JamesWellington
"We stayed with our own clinic and specialist. IVF Funders just took care of the funding side."
MereanaHamilton

Sample testimonials shown for layout. TODO: replace with real consenting customer quotes before launch.

Common questions about IVF funding

The short answers people ask us most before applying.

How much can I get for IVF or fertility treatment?
IVF Funders provides funding from $2,000 to $30,000, depending on your affordability assessment under the CCCFA. That can cover a full cycle, add-ons like ICSI, medications, or storage. TODO: confirm final figures with the client.
Is the funding secured against anything?
No. IVF Funders funding is unsecured personal lending. There is no security registered against your home or any other asset.
How fast is a decision?
Most decisions come back inside one business day after you apply, once we have completed an affordability assessment under the CCCFA.
Do you pay my fertility clinic directly?
We fund you as the patient, and the funding can be applied toward your chosen clinic. You keep full choice of clinic and specialist. TODO: confirm preferred disbursement with the client.
Can I repay early?
Yes. You can settle your funding early at any time, with no early repayment penalty.
Who is IVF Funders?
IVF Funders is a New Zealand lender and a trading name of JFK Capital Limited, a registered Financial Service Provider (FSP1010017) and a member of Financial Services Complaints Limited.
Start your application
Your next step

Take the first step toward your family

Apply in a few minutes and get a real decision, usually inside one business day. No obligation, and no pressure.

Apply for funding