Skip to Content (Press Enter)

Mandarin version of the website 中文 French version of the website FR

Financing options for intended parents of Circle Surrogacy.

We understand that planning for surrogacy costs can be challenging, so we’ve worked hard to develop competitive and fair surrogacy financing options for our intended parents.

 Making surrogacy more affordable.

Making surrogacy more affordable.

Growing your family through surrogacy can be costly. At Circle Surrogacy, we have developed cost programs with our Intended Parents best interests in mind. Our programs are designed to eliminate cost variability and to help ensure success in bringing home a baby. Our exclusive Fixed Cost Program and Journey Protection Guarantee Program fix the cost of surrogacy, so you won't encounter surprise or hidden fees along the way.

In addition to our Fixed Cost programs, Circle Surrogacy is committed to keeping costs as low as possible through strategic partnerships and surrogacy financing options for heterosexual and LBGTQ+ individuals and couples in the United States.

Introducing our exclusive surrogacy financing plan.

Circle Surrogacy's new Financing Plan is designed to make surrogacy an affordable family-building option to even more intended parents. By enabling intended parents to financing part of their surrogacy journey, surrogacy and egg donation becomes a more accessible option for parenthood.

Our Circle Surrogacy Financing Plan is available to intended parents who reside in select states within the U.S., and allows them to financing a large part of their journey to be paid in monthly installments.

If you do not reside in an eligible state, financing through Prosper Lending may be an option for you. More details below.

 We're partners with Prosper Healthcare Lending.

We're partners with Prosper Healthcare Lending.

If you are not eligible for Circle Surrogacy's exclusive Financing Program with Origin Finance, we also offer lending options with Prosper Healthcare.

With simple financing options of up to $100,000 toward all surrogacy expenses for U.S. residents and with over $5 billion funded and more than 300,000 applicants serviced through their lenders, Prosper is the premier financing company in the fertility industry.

Financing highlights:

- Loans available to US residents only. Loans available in up to 84-month terms, in amounts from $2,000 - $100,000. Two-tiered program with options for borrowers with standard and exceptional credit.
- Interest as low as 5.99%. Recommended minimum credit score: 640. Instant online decisions for loans under $35,000.
- No pre-payment penalties. No collateral required. Receive funds via ACH deposit in a few days.

IVF Insurance.

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.

 Small Purple Heart See IVF & Insurance Costs

Consultations with Circle.

All prospective intended parents – whether you’re a couple or a single individual, LGBTQ+, domestic or international – begin with a complimentary consultation that lasts approximately 2-3 hours. This helps us tailor information to meet your specific needs.​

 Small Purple Heart Meet With Us

Common questions from parents like you.

As you consider parenthood, you may have questions along the way. Don't worry. With 20+ years of experience, we've helped parents navigate surrogacy, surrogacy financing, and their journeys to parenthood, and have answered almost every question out there!
Why should I choose Circle Surrogacy?

Whether you are an intended parent, a surrogate or an egg donor, when you embark on a journey with Circle, we promise to be beside you every step of the way. We promise to educate, lead and guide you through your surrogacy and egg donation journey. We will work tirelessly to help you achieve success and fulfill your dream.

We are a full-service agency. You will work closely with a Journey Coordination team who will guide and support you throughout your entire journey, including social work, legal and billing support. Circle is the only agency in the world to provide unparalleled program offerings for parents, such as unlimited surrogate and egg donor matching, and an unlimited IVF package. We employ an in-house legal staff who is well-versed in reproductive and surrogacy law and insurance contracts.

At Circle, we have the highest level of dedication to building families than any other agency. We'll help you navigate the road, smooth the bumps, and cheer when we reach our destination. Every person who works at Circle is dedicated to doing everything they can to help you build your family. The Circle Staff goes above and beyond to help you achieve your dream of parenthood.

How do I begin the process?
Starting your surrogacy journey begins with a complimentary consultation with our experienced team. You'll speak with an attorney as well as a process consultant. In this meeting you'll have an opportunity to share your story with us and why you're chosen surrogacy to grow your family, and we'll explain about our process and program offerings, and answer any questions you have.
How long does the whole surrogacy process take?
The length of the process depends on several factors. We typically tell intended parents that they should plan on a year and a half from the time they sign on with our agency until they have a child, although it can be quicker or longer depending on the legal requirements involved and the course of the IVF treatment.
Will I need an attorney?
If you live outside the United States, you may find it advantageous to work with an immigration and/or citizenship specialist from your home country. You may also need to consult with a family law attorney in your country for help finalizing your parental rights when you return. Finally, some intended parents hire an independent attorney to review our Agreement for Services before signing on with us. Most people do not feel it necessary to find counsel for this purpose, but they do review the Agreement carefully and occasionally request edits and make comments before signing. Once you have joined our program, however, Circle’s legal team will act as your counsel for all legal matters related to the surrogacy in the United States. We will represent you for the negotiation of any contracts with the surrogate and egg donor and will work with local attorneys across the United States to finalize your parental rights.

Get in touch with us.

Contact Us