Fertility financing in Toronto: Beautifi, Medicard & payment plans
Which Toronto fertility clinics offer financing — and what those loans actually mean before you sign.
Roughly a dozen Toronto and GTA fertility clinics advertise financing, most commonly through Beautifi or Medicard — Canadian lenders that specialize in medical procedures — and occasionally through in-house payment plans. Financing exists because fertility care's payment schedule is brutal: a private IVF cycle runs $13,000 to $20,000 all-in, and most of it comes due around the cycle itself, not spread across the years a family will benefit from it. A medical loan converts that lump into monthly payments. That's genuinely useful — and it's also a loan. Interest accrues, the total repaid exceeds the sticker price, and the rate you're offered depends on your credit profile and the term you choose, none of which the clinic controls. Clinics are referral points here, not lenders: approval and terms come from the financing company, and a monthly-payment framing can make a cycle feel cheaper than it is. This page lists the clinics where the financing conversation is easy to start. Before signing anything, get the total cost of borrowing over the full term in writing, compare it against options you may already have — a personal line of credit, for instance — and make sure the financing decision isn't quietly making your clinic decision for you.
Inclusion criteria: clinic names a financing partner (Beautifi, Medicard) or an in-house payment plan on its own website. We verify that the clinic-lender relationship is advertised; we do not verify or publish interest rates, which are set by the lender per applicant. Re-verified quarterly. Last verified May 2026.
Toronto clinics offering fertility financing
12 clinics in our directory. Ranked by Google rating, then review count.
- EVOLVE Egg Freezing Clinic4.5(46)Toronto · 655 Bay Street, Suite 1106OFP-fundedLGBTQ+ welcomingVirtual consultsTransparent pricing
Why they fit: EVOLVE focuses exclusively on egg freezing; complex fertility cases (IVF, donor cycles, surrogacy, recurrent loss) are referred to sister clinic TRIO Fertility.
- Astra Fertility Group4.1(63)Mississauga · 4303 Village Centre CrtOFP-fundedVirtual consults
Why they fit: Dr. Essam Michael's bio specifically names Asherman's Syndrome, severe uterine anomalies, and recurrent pregnancy loss as areas of focus. Multiple Google reviews describe patients being referred to Astra after other clinics couldn't…
- Pollin Fertility4.1(63)Toronto · 2360 Yonge St., 2nd Floor, Toronto, ON M4P 2E6OFP-fundedNo waitlistLGBTQ+ welcomingVirtual consultsTransparent pricing
Why they fit: Homepage lab section: lab designed to maximize successful outcomes 'even in the most challenging cases.' Dedicated Second Opinion service for patients seeking re-evaluation of prior diagnoses or treatment plans.
- Hannam Fertility Centre4.0(223)Toronto · 160 Bloor Street East, 15th Floor, Toronto, ON, M4W 3R2OFP-fundedNo waitlistLGBTQ+ welcomingVirtual consultsTransparent pricing
Why they fit: Site language explicitly serves patients who have switched from other clinics ('Can I switch clinics if I'm on another Clinic's Waitlist? Yes'). Dr. Robb specializes in recurrent pregnancy loss and fertility preservation.…
- Lakeridge Fertility4.0(47)Whitby · 220 Dundas St W, Suite 404, Whitby, ON L1N 8M7OFP-fundedLGBTQ+ welcoming
Why they fit: Specialized recurrent pregnancy loss program working with Dr. Carl Laskin and Dr. Sony Sierra; satellite of TRIO Fertility (one of Canada's largest fertility teams) for advanced IVF and embryology requirements.
- TRIO Fertility3.8(357)Toronto · 655 Bay Street, 11th and 18th floorsOFP-fundedLGBTQ+ welcomingVirtual consultsTransparent pricing
Why they fit: Explicitly welcomes patients transferring after failed cycles at other clinics; houses Canada's only early RPL program; Dr. Laskin's reproductive immunology practice; medical rounds 4x/week to review every IVF protocol collaboratively.
- CHARM Fertility3.8(190)Etobicoke (Toronto) · 101 Westmore Drive, Suite 201OFP-funded
Why they fit: Website mentions handling cases that 'failed to respond to other medical or surgical interventions' for IVF, but no specific complex-case program described
- Elite IVF3.8(13)Toronto, ON M5X 1C7 · 1 First Canadian Place, Suite 5700LGBTQ+ welcoming
Why they fit: IVF, egg freezing and surrogacy in Toronto, ON M5X 1C7. Private-pay only.
- Ajax Fertility Centre3.7(17)Ajax · 300 Rossland Rd E, Unit 206OFP-fundedNo waitlist
Why they fit: IVF, IUI, egg freezing and PGT in Ajax. OFP-funded with no current waitlist.
- NewLife Fertility Centre3.4(25)Mississauga · 4250 Sherwoodtowne Blvd, Mississauga, ON L4Z 2G6OFP-fundedLGBTQ+ welcomingVirtual consults
Why they fit: Explicit on the success rates page: 'At NewLife there are no selection criteria for patients. Our specialty is treating difficult and complex cases.' Dedicated Recurrent Pregnancy Loss (RPL) service page. Beautifi clinic…
- CReATe Fertility Centre3.3(289)Toronto · 790 Bay Street, Suite 1100OFP-fundedLGBTQ+ welcomingVirtual consultsTransparent pricing
Why they fit: Largest cancer fertility preservation program in Canada (oncofertility); largest in-house genetics program for PGT-A/M/SR; in-house surgical hysteroscopy for polyps, septums, scarring, and fibroids; large research arm. Reviews consistently describe patients arriving after…
- North York (Toronto) · 25 Sheppard Ave. W., Unit 650OFP-fundedLGBTQ+ welcomingTransparent pricing
Why they fit: Clinic markets clinical excellence and a 150+ years combined team experience but does not explicitly publish a complex-cases statement on its services pages.
At-a-glance: Top 5 compared
The five highest-rated clinics in this list, side-by-side. Tap any row to open the full profile.
| Clinic | Area | Rating | OFP-funded | Pricing |
|---|---|---|---|---|
| EVOLVE Egg Freezing Clinic | Toronto | 4.5 (46) | Yes | Not applicable — EVOLVE does not offer IVF; IVF performed at sister clinic TRIO |
| Astra Fertility Group | Mississauga | 4.1 (63) | Yes | recommend phone verification) |
| Pollin Fertility | Toronto | 4.1 (63) | Yes | $14,600 base IVF cycle (excl. medication $6,000–$8,000+, embryo transfer $3,500, annual storage after year 1, PGT) |
| Hannam Fertility Centre | Toronto | 4 (223) | Yes | $14,650+ (excludes medications and PGT) |
| Lakeridge Fertility | Whitby | 4 (47) | Yes | On request |
How to think about financing a cycle
Understand the product first. Beautifi and Medicard are third-party lenders: you apply with them directly, they approve you based on your credit profile, and the rate and term are individualized. The number that matters is not the monthly payment — it's the total cost of borrowing over the full term, in writing. Two loans with the same monthly payment can differ by thousands over their lifetimes depending on rate and length. Any lender worth using will put that figure in front of you before you commit.
Compare against the alternatives you already have. A personal line of credit, existing savings, staging treatment differently, or — if you're eligible — an OFP-funded cycle that removes the base cycle cost entirely in exchange for a waitlist. Fertility-specific financing is convenient, and convenience is worth something, but it's rarely the only option; run the comparison before assuming the clinic-advertised route is the right one. Tax relief on eligible fertility expenses also reduces the net cost after the fact, regardless of how you paid.
Don't let financing pick your clinic. These lenders finance treatment at many clinics, not just the ones that advertise the relationship — if your clinically preferred clinic isn't on this list, ask them anyway or approach the lender directly. Choose the clinic on lab quality, fit for your case, and patient experience; then solve payment. Reversing that order means a smoother loan application at the wrong clinic.
- Which financing partners do you work with, and do you also offer an in-house payment plan?
- Can you give me the full treatment quote in writing so I can take it to a lender?
- Does financing cover medication and add-ons, or only the clinic's own fees?
- If my cycle is cancelled or converted, how does the refund flow back against a financed amount?
- Can I combine financing with an OFP-funded cycle to cover the out-of-pocket costs?
- Is there any difference in pricing or scheduling between financed and cash-paying patients?
Frequently asked questions
What are Beautifi and Medicard?
+
Canadian lenders that specialize in financing medical procedures, including fertility treatment. You apply directly with the lender; approval, rate, and term are set by them based on your credit profile. The clinic's role is referral and providing the treatment quote — it isn't the lender.
How much interest will I pay on fertility financing?
+
It depends on your credit profile, the amount, and the term — lenders set rates individually, so we don't publish figures. Ask the lender for the total cost of borrowing over the full term in writing, and compare it against a personal line of credit before committing.
Do Toronto fertility clinics offer in-house payment plans?
+
Some do, though referring to a third-party lender is more common. Arrangements vary and aren't always advertised — ask the clinic's financial coordinator directly. Get any in-house plan's terms in writing, exactly as you would with an external lender.
Can I finance the out-of-pocket costs of an OFP-funded cycle?
+
A funded cycle still leaves medication (typically $3,000–$6,000) and optional add-ons out of pocket, and financing can generally cover those amounts. Confirm with the lender that your quoted amount qualifies, and ask the clinic to itemize exactly what a funded cycle leaves you to pay.
Should I use clinic financing or my own line of credit?
+
Whichever costs less in total — get the total cost of borrowing for both and compare. Medical financing is convenient and fast to arrange; a line of credit you already hold may carry a lower rate. There's no universally right answer, only the arithmetic for your situation.