FAQs

A personalized, all-inclusive IVF bundle designed to reduce stress, lower costs, and support your journey from start to finish—including unlimited embryo transfers and expert guidance.

• Unlimited embryo transfers
• Partial refund up to $15,000 if you’re not successful
• Lowest price guarantee on IVF medication
• One-and-done billing with clear pricing
• Support and guidance every step of the way
• Up to $9,000 in savings and discounts, including storage, vitamins, mental health coaches, and more

You get clarity, simplicity, and savings—with one flat fee, built-in support, and fewer financial surprises along the way.

Yes. Your bundle can include extras like additional retrievals, egg or sperm donors, medical services like ICSI as prescribed by your doctor, or even natural cycles.

Zero exclusions. 100% eligible.
Many IVF programs exclude the people who need care the most based on age or health data. We welcome everyone—if you dream of building a family, Sunfish is here for you.

If you're not successful, and have enrolled in the Gold Program, you may receive a partial refund of up to $15,000. The exact amount depends on your bundle terms.

We partner with leading clinics across the country. If you're unsure, reach out and we’ll confirm or help you get connected.

Yes, discounted storage options during the program are part of your plan, as well as options for discounted long-term storage.

Possibly—reach out and we’ll walk you through your options based on where you are in the process.

Your services are covered during your membership, but if you have a unique circumstance and need to pause treatment, just let us know - we’ll do our best to accommodate.

Complete our short intake form and book a free call with the Sunfish team to customize your bundle.

There are multiple ways to pay. You can pay with an ACH transfer, mail a check, or pay with a credit card (credit card transaction fees apply). If you need additional support, we can help you obtain a loan, or you can take a personal loan from any lender you like to work with.

Yes. We provide access to several flexible financing options through our partner lenders for IVF, medication, and more. You can also use a personal loan from any lender you like to work with.

Everything from IVF to meds, donor costs, surrogacy, egg freezing, storage, and even travel.

No. Our partner lenders consider your full financial profile—not just credit score.

Most decisions are made in 1–2 business days, and funding follows shortly after. In most cases, funds will be distributed to you personally to use as needed, to allow you the most flexibility on your journey.

Most borrowers receive between $5,000 and $50,000 for an unsecured loan. Our partner lenders also offer options for secured loans (HELOCs) up to $400,000.

Sunfish does not charge a fee to apply through our partner lenders. Some lenders may charge an additional fee.

There are no application fees for any of our partner lenders on our platform. Some lenders may charge an origination fee of 1-12% of the loan that will be deducted from the loan proceeds before they are delivered to you. This fee is factored into the APR you see. There may also be late payment fees or ACH return / check refund fees. Please check with the loan provider if you have any specific questions regarding their fees.

Absolutely. Many families use financing to make their bundle even more manageable.

Yes. Our partner lenders finance a variety of fertility journeys.

Loan availability may vary slightly by state—contact us to confirm your eligibility.

Yes, typically you will receive the funds directly and can use them at any clinic or agency.

No, unfortunately our partner lenders do not approve 100% of applications.
For more information, please visit our Lending FAQ page.

Yes. We help you navigate the logistics and bundle costs with your plan.

Yes. We offer surrogacy planning tools, financing, and access to trusted partners. However, the IVF Success Bundle is not currently available for surrogacy.

Definitely. We support solo parents with education, planning, and cost management.

100%. We work with all family types and offer inclusive, personalized support.

No—our support also extends to egg freezing, donor coordination, surrogacy, and more.

We collaborate with your clinic to support your care—not replace it. You and your doctor stay in charge of all medical decisions.

Yes! Book a free 15-minute call with a member of our care team.

We offer partner guides, prep tools, and checklists to help your team show up with confidence and care.

Yes. We include access to curated mental health coaches (for an additional, discounted rate), plus guides to help with emotional resilience throughout your journey.

Visit our blog to explore Q&As, videos, and stories from medical experts and real families.