Fertility Financing designed to help you succeed
Univfy and LightStream have come together to make your fertility journey as predictable, affordable, and successful as possible. Here’s how it works:
Know how many IVF cycles you may need
Univfy analyzes your holistic health data to give you accurate predictions of IVF success. See a fertility specialist at the Piedmont Reproductive Endocrinology Group to receive your free Univfy PreIVF Report.
Package your treatment plan
Your Univfy PreIVF Report will show cost comparisons and your financial options. Eligible patients will find information about the PREG IVF Refund Program, which can help you afford multiple IVF cycles if needed.
Finance the cost of treatment
LightStream can provide you with a loan to cover all your fertility financial needs including procedures, lab tests, and medications. (Subject to credit and pricing approval)
Full-scope, transparent financing that covers all your fertility needs
IVF Services
Single treatments
Multi-cycle and refund programs
ICSI (Intracytoplasmic Sperm Injection)
Frozen Embryo Transfer (FET)
Egg or embryo freezing (cryopreservation)
Medications needed for treatment
Genetic Testing
Preimplantation for Aneuploidy (PGT-A)
Preimplantation for Monogenic (Single)
Gene disorder (PGT-M or PGT-D)
Pre-conception genetic testing
Third-Party Reproduction
Reciprocal IVF
Donor Sperm
Donor Egg IVF
Gestational Carrier fees
Donor Egg/Sperm procurement fees
Other fertility services
Ovulation induction
IUI (Intrauterine Insemination)
Male fertility treatments
Adoption expenses
Get the funds you need to begin treatment today
Apply online with an easy application process and have unsecured funds directly deposited into your account as soon as the same day¹.
Cover the cost of your treatments, including medications
Rates as low as 7.99% APR with excellent credit and when enrolling in AutoPay*
Loan amounts from $5,000 to $100,000
Flexible repayment terms of 24-84 months**
Apply in minutes from your smartphone, tablet, or computer
Same-day funding available
No fees or collateral required
Start by clicking below:
*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from 7.99% – 23.99% APR w/ AutoPay. Advertised rates are subject to change at any time.
**Sample: $20,000 Loan, 36 months at 9.24% APR will equal a $638.24 monthly payment.
Contact us. We’re here for you.
Have questions? Univfy’s fertility concierge is available to answer questions about your fertility navigation. We do not offer medical or treatment advice. We would be happy to recommend fertility care and third-party providers as needed.
Know your chances of IVF success and how many cycles you may need
Your personalized Univfy® PreIVF™ Report will show:
Your probability of having a baby after 1, 2 and 3 tries at IVF
Individual factors impacting your chances of success
Your financial options
Receive your complimentary Univfy PreIVF Report from Piedmont Reproductive Endocrinology Group after you complete your diagnostic evaluation.
PREG IVF Refund Program
PREG IVF Refund Program helps you choose IVF in a way that saves you time and money, while improving your chances of having a baby.
Eligible patients can have up to 3 IVF treatments—with the ability to use all viable frozen embryos.
The packages costs less than paying for 3 treatments separately.
Eligible patients who do not succeed after completing the program will receive a refund of 50% to 90% of the cost.
With the use of Univfy’s accurate PreIVF report, Piedmont Reproductive Endocrinology Group is able to offer the PREG IVF Refund Program to up to 70% of patients.
Contact Us
Have questions? Univfy’s fertility concierge is available to answer questions about your fertility navigation. We do not offer medical or treatment advice. We would be happy to recommend fertility care and third-party providers as needed.
Advertiser’s disclosure: Through this partnership with LightStream, Univfy aims to bring a superior financial solution to women and couples who need financing to access fertility treatment. Univfy receives a small compensation per funded loan that is entirely used to support the online marketing of this collaboration. The Univfy Fertility Concierge counselors are not compensated based on funded loans.
LightStream disclosures:
*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹ You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.
All loans are subject to credit approval by LightStream. If approved, your APR will be based on loan purpose, amount, term and your credit profile. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
© 2023 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.