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    Financing and payment

    Cryos USA has collaborated with ARC Fertility, CapexMD and Prosper Healthcare Lending in order to make the dream of building a family a possibility for everyone. 



      Cryos accepts all major credit cards (Visa, Mastercard, Amex, Discover).

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      Financing programs

      For an external financing program, we work with three companies, ARC Fertility, CapexMD and Prosper Healthcare Lending.



      CapexMD specializes in providing patient financing services for all fertility treatment options. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. CapexMD offers a wide variety of loan options, allowing you to obtain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances. Once approved, their Fertility Loan Specialists will work closely with Cryos International - USA to ensure your funds are secured for your purchase.

      Here are some of the benefits you will receive with a loan from CapexMD:

      • Specialist in fertility financing 
      • Personal attention
      • Competitive rates 
      • Easy and secure online application
      • Pre-approval within hours 
      • Flexible terms
      • Highest confidentiality 
      • No annual fees
      • No prepayment penalties 
      • Retain your existing credit sources

      Apply online and receive your pre-approval within 24 hours, or call (888) 497-8414 to learn more.


      Prosper Healthcare Lending

      Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over $5 billion borrowed and over 250,000 people empowered, this is a name and a program you can trust.

      Here are some of the benefits you will receive with a loan from Prosper Healthcare Lending:

      • A loan, not a credit card
      • No collateral required
      • Immediate decisions without affecting your credit
      • No prepayment penalties
      • A fixed repayment amount at a fixed interest rate
      • Loans from $2000 - $35,000
      • Terms up to 84 months
      • 100% confidential

      Click here to start an inquiry at Prosper Healthcare Lending


      ARC Fertility

      Cryos has partnered with ARC Fertility to offer you access to affordable, high quality care. Together our mission is to provide you with the best experience on your path to parenthood. 

      Affordable Payment Options with ARC Fertility 

      The ARC® Affordable Payment Plan™ helps with fertility financing and the cost of IVF or IUI. 

      Your fertility physician, as a member of Advanced Reproductive Care™, is able to offer a fertility financing program for the professional services and pharmaceutical fertility drugs that you need to get pregnant. Our established and reputable lending partners know the unique needs of couples facing infertility. 

      This program helps make infertility treatment more affordable through an extended payment program. This option allows you to make manageable monthly payments. 

      Fertility financing for professional services, fertility drugs and refund plans: The fertility financing program offered by Advanced Reproductive Care is an additional resource for your consideration in overcoming any financial limitation you might be facing while undergoing IVF or IUI treatments. You may finance any of the following: 

      • Medical services you receive from your ARC physician. 
      • Pharmaceutical products. The cost of medications can represent from 20-30% of the total expense of fertility care. 
      • The ARC Success Program — an exclusive refund program — if you get pregnant and have a live birth, you will receive a refund for any remaining cycle(s). 

      For More Information on Fertility Financing – Contact ARC 

      Please call us at our toll free number 1-888-990-2727 to obtain your pricing information for the treatment plan with your doctor’s office.