The dream of parenthood should never be out of reach.
With over 30 years of experience, Lucina Egg Bank makes donor egg parenthood more accessible through zero upfront costs, fixed pricing, and meaningful discounts for military families and multi-cohort plans.
Located in San Diego, California, we work with leading financial partners to provide simple, stress-free fertility financing. Backed by FDA-screened donors and success guarantees—including refund options—you can move forward with clarity and confidence.
We believe financial ease should be part of your family-building dream. That’s why we offer:
Whether you’re planning ahead or ready to take the next step, Lucina partners with trusted financial institutions to offer flexible, patient-friendly payment plans. Explore simplified options, designed with your peace of mind at heart.
Each provider below offers unique benefits—click to view full details and choose the plan that’s right for your journey.
Custom finance plans for all fertility treatments; loan specialists often have personal IVF experience; funds coordinated with Lucina for seamless care; no prepayment penalties; secure online application.
Friendly monthly plans; covers meds, IUI/IVF, PGT, third‑party; loan range $200–$40K; rates 6.99–28.99%; approval based on full picture vs. credit alone.
Available in CA, AZ, TX, FL, MI; no collateral required; easy access to funds; ideal for immediate financing needs.
For eligible states; competitive interest (~5.49%); flexible repayment; covers large financing needs with collateral tied to home equity.
Designed for business financing; available in CA, AZ, TX, FL, MI; flexible credit option for entrepreneurial patients.
Soft pull prequalification; loans $2K–$35K; rates 5.95–19%; supports streamlined access to funds.
Borrow up to 80% of home value; flexible draw and repayment terms; interest-only first year; variable/fixed rates.
Loans from $5K–$100K; no origination/prepayment fees; rates 7.99–23.43% APR; fast and transparent.
Monthly plans up to 5 years (including 0% initial rate); “No Baby? Don’t Pay” IVF guarantee; “No Eggs, No Fee” plan for egg freezing; coverage includes IVF, IUI, donor cycles, embryo transfers, PGT & meds; dedicated Gaia Advocate for 1:1 support.
Not sure where to begin? Our financial coordinators are here to guide you, answer your questions, and help you explore solutions that suit your family-building goals.
We offer multiple protection options to give you confidence through every step of your fertility journey. Learn how our exclusive guarantees protect your investment and enhance your chances of success.
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