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We understand that planning for surrogacy costs can be challenging. At Circle Surrogacy & Egg Donation, our focus is to provide our intended parents with the best chance of success at having a baby, and cost security throughout their journey. We are the first agency to proudly offer a financing plan to help even more intended parents experience the joys of parenthood through surrogacy and egg donation.
Circle Surrogacy & Egg Donation is excited to offer an exclusive financing plan, through our partnership with Origin Finance, LLC, to help make surrogacy an option for even more intended parents to grow their families.
This financing plan, together with Circle Surrogacy's Journey Protection Guarantee Program option, enables intended parents to better plan for the costs of surrogacy and egg donation, and to help eliminate surprise expenses along the way.
Origin Finance offers loans of up to $100,000 for IVF, egg freezing, embryo preservations, gestational surrogacy, egg donations and more. Based on conversations with over 70,000 intended parents over the past 25 years, Origin offers fertility loans for all types of families, created by fertility experts. Learn more at Origin Finance.
Our financing plan option allows Intended Parents to borrow up to $100,000 towards the cost of their journey through Origin Finance and its partners, and pay that portion over terms ranging from three (3) to fifteen (15) years. APRs start at 2.25% (with discounts).
This plan is intended exclusively for Circle Surrogacy & Egg Donation.
Additional highlights for intended parents of this financing plan include:
Intended Parents who choose our Journey Protection Guarantee Program for a Surrogacy Only or Surrogacy Plus Egg Donation Journey are eligible for the financing plan. Intended Parents must also meet Origin's underwriting criteria.
Applicants must have sufficient and permanent ties to the US.
The chart below provides total surrogacy program costs and financing options, as well as when payments are due to Circle Surrogacy.
In all 3 surrogacy programs, the total borrowed amount of $65,000 can be paid with either 36-month or 72-month loan.
The APR is 6.25% for a 36-month loan, and 7.75% for a 72-month loan.
*The APR is 6.25% for a 36-month loan, with 35 monthly payments of $1,985.00, and 1 final payment of $1,966.75; or 7.75% for a 72-month loan, with 71 even monthly payments of $1,132.00, and 1 final payment of $1,101.38
Intended Parents who are interested in financing part of their journey through Origin Finance, can contact us with questions or for more information, or to submit their application via email. Or you can also call us at 415.906.7278
Or, if Intended Parents have already spoken with Circle Surrogacy about their journey, they can inform their Parent Intake Associate that they are interested in learning more about financing and filling out an application with Origin.
If you haven't yet filled our our Intended Parent form to learn more about surrogacy with Circle Surrogacy & Egg Donation, that's a great first step!
For a surrogacy journey, IVF costs and program options vary by clinic and your family planning needs. Intended parents can often choose between package options that include egg donation and/or embryo creation, plus IVF transfers, or, for those who've already created embryos – IVF transfers alone.IVF Costs
To ensure intended parents receive proper coverage, Circle will help assess and defend insurance policies and cases. We will work with health care providers to manage your liability as parents to any maternity related claims through a variety of measures, including through the surrogate’s health insurance, and/or a back-stop plan.More About Insurance
Questions about Circle Surrogacy's financing plan with Origin Finance, LLC? Here is are common questions asked by Intended Parents about the financing plan for surrogacy.
Yes. An intended parent may apply for credit individually, or two intended parents may apply for credit jointly.
Yes. Co-signers do not need to be a relative of the Intended Parent.
APRs start at 2.25% with discounts via our partners.
The APRs for our most common loans, which commence at match and are exclusively for surrogacy journeys, are 6.25% for a 36-month loan, with 35 monthly payments of $1,985, and 1 final payment of $1,966.75; or 7.75% for a 72-month loan, with 71 even monthly payments of $1,132 and 1 final payment of $1,101.38.
Please inquire for details.
No, the interest rate remains fixed.
Yes, the loan can be paid back early without incurring a penalty.
Once the loan has been originated, you may move within the United States without affecting your loan. Intended Parent(s) must be a US citizen or Permanent Resident when the loan is originated.
Applicants must have sufficient and permanent ties to the US. Intended parents may qualify for financing if they meet the applicable criteria such as a high credit score.
You do not. Approval will be case dependent based on income and assets.
1Based on an industry review of uncollateralized fertility loans conducted on 2/1/21.
2Products and rates not available in all markets. Not all lenders available to lend in all states. Annual Percentage Rate. Rates effective as of May 1, 2021, and are subject to change. Borrower must open a First Republic ATM Rebate Checking account. Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship-based pricing adjustments of: 1) 2.00% for maintaining automatic payments and direct deposit with the Account, 2) 0.50% for depositing and maintaining a deposit balance of at least 10% of the approved loan amount into the Account, and 3) an additional 0.25% for depositing and maintaining a deposit balance of at least 20% of the approved loan amount into the Account. Minimum $500 to open an ATM Rebate Checking account. A monthly fee (currently $25) will apply if a minimum monthly average balance of $3,500 is not maintained. Domestic and foreign ATM access fees are rebated at the end of the monthly cycle. Foreign currency conversion and other usage fees vary by country and network and are not included in the rebated ATM access fees. Contact your legal, tax and financial advisors for advice on deciding whether this is the right product for you. Terms and conditions apply. Product is not available in all markets. For a complete list of locations, visit firstrepublic.com/locations. Applicants must meet a First Republic banker to open account. This is not a commitment to lend; all lending is subject to First Republic’s underwriting standards. Applicants should discuss line of credit terms, conditions and account details with their banker.
3Some loans are subject to an application fee.