CapexMD Review: Fertility Loans, Rates & Terms (2026)

Last reviewed: August 2026. CapexMD is a U.S. fertility-focused lender offering unsecured personal loans for eligible fertility-related services and medications. Loan products, interest rates, fees, provider eligibility and promotional offers can change, so borrowers should verify the current disclosures directly with CapexMD before applying or accepting financing.

What CapexMD currently finances

CapexMD's current public materials describe financing for fertility-related services that can include IVF, IUI, ICSI, medications, genetic testing, cryopreservation, donor-related costs and surrogacy-agency fees when the relevant providers participate in its network. Provider eligibility is subject to change.

Current loan range and terms

As of this review, CapexMD's public website advertises loans from $3,000 to $60,000 and repayment terms from 6 to 84 months, subject to approval and individual underwriting. Rates and final terms depend on factors such as creditworthiness, income and ability to repay. These figures are time-sensitive and should be confirmed in the borrower's final disclosures.

Interest rates and promotional financing

CapexMD currently discloses fixed APRs ranging from 8.99% to 24.99% for standard loans, with final pricing based on the applicant and market conditions. It also advertises a six-month 0% promotional option for qualified borrowers. The 0% offer requires the balance and applicable non-interest fees to be paid in full by the due date of the sixth monthly payment; otherwise accrued interest is imposed from the original loan date. Borrowers should verify the current disclosures before accepting financing.

Application and funding

The company describes an online application and review process, with approved funds generally disbursed directly to participating fertility providers. Processing time can depend on document collection, underwriting and provider verification, so advertised review or funding times should be treated as targets rather than guarantees.

Fees and prepayment

CapexMD's current materials state that a state-dependent application fee may apply and that some approved loans may have additional documentation or processing fees. The company also states that borrowers can make additional payments or repay early without a prepayment penalty. Verify the exact fees in the final loan agreement because state rules and product terms can differ.

Credit inquiry: check the final disclosure

CapexMD's current public pages describe a soft credit inquiry during the application process. The company does not publish one universal minimum credit score for every standard loan; eligibility and pricing depend on factors including credit history, income and ability to repay. For the six-month 0% promotion, CapexMD currently says qualified applicants will generally need a credit score around 680 or above, with promotional loan amounts up to $7,500. Because lender policies and disclosures can change—and published materials may not always be updated at the same time—borrowers should rely on the final written loan documents.

Questions to ask before accepting a fertility loan

• What APR applies to my approved loan?
• What is the total amount I will repay over the full term?
• Which application, documentation or processing fees apply in my state?
• Is the rate fixed for the entire term?
• What providers and expenses can this loan cover?
• What happens if treatment is canceled or a provider issues a refund?
• What are the exact conditions of any promotional 0% offer?
• Does accepting or funding the loan involve any additional credit inquiry?

Bottom line

CapexMD is one financing option for intended parents and fertility patients who prefer a lender focused specifically on assisted reproduction. Compare the current APR, fees, repayment term and total cost with other financing options rather than choosing a loan based only on speed or monthly payment.

This provider profile is general educational information and is not financial, tax or lending advice. Loan availability, rates and terms are subject to change and individual approval.