I signed up for the IVF Finance program today. The nice thing about it is that if you don't take out a loan, you can get your membership fee refunded. But even without using the loan, there are other benefits, so I might stay with it later anyway. I did finally find something about the rates -- "Our plan offers unsecured financing up to $25,000 at rates as low as 12.99% (when credit allows)." I was hoping that the rates would be much better than that. We are considering using savings for most of it, but I would rather not deplete our savings for this if possible and if the loan rates are low.