Humm offers interest‑free and flexible payment plans that help you split the cost of your fertility treatment into smaller instalments. You can take a loan for a maximum of 13 months, depending on your agreement with Humm.
Spread the cost of your treatment over 12 months without paying any interest.
Complete a straightforward digital application in just a few steps.
Humm is regulated by the Financial Conduct Authority, giving you added peace of mind.
Keep track of simple monthly repayments that fit around your budget.
Apply and manage your plan entirely online, without paperwork.
Fit your Humm plan smoothly alongside your treatment plan with Plan Your Baby.
*All applicants will be subject to a credit check
Once your treatment plan is confirmed, you can proceed to apply with Humm by submitting a form and completing eligibility checks.
After you submit your application, Humm reviews your details and may request additional information. Providing this promptly helps avoid delays.
When your application is approved, you can finalise the payment with Humm and begin treatment.
Take the first step towards parenthood today. Our expert team is ready to guide you through your fertility journey with personalized care and support.
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Have a question? WhatsApp Us for quick, clear guidance from our team
To apply for Humm, simply select Humm as your payment option when finalising your treatment plan. You will be guided to an online application form where you can submit your details securely.
Once approved, Humm handles the payment for your treatment directly with Plan Your Baby. You will then make your monthly repayments to Humm according to the schedule agreed upon during your application.
A credit check is a review of your financial history to assess your creditworthiness. Humm performs this check as part of the application process. A hard credit check may leave a footprint on your credit file.
Yes, you can use Humm for multiple treatments or services, provided you have sufficient credit available within your approved limit.
Yes, Humm typically allows you to pay off your plan early without penalty. Please refer to your specific credit agreement terms for confirmation.
Since this is for medical services, 'returns' work differently than retail goods. If a treatment is cancelled or eligible for a refund under Plan Your Baby's terms, the refund would be processed back to your Humm account.
If you miss a payment, Humm may charge late fees and it could impact your credit score. It is important to contact Humm immediately if you think you might miss a payment.

Lauren Coleshill
Baby Cora Rose
The biggest thank you to Plan Your Baby for completing our family. They made us feel safe, supported & confident when our trust in the process had been completely destroyed. They also made us feel extremely well cared for & humanised in an industry that can make you feel like a number. I needed a lot of personal support & Marija was always there to give it to me. Dr Sami threw everything at this attempt, knowing it was our last & I am just so grateful that he took no chances with our care. I really felt his human investment in our family, it wasn’t that he wanted the numbers for his clinic, he wanted this baby for us. Thank you again to the PYB team. We are beyond grateful.

Lindsay Grey
Baby Katie
Plan your baby provided us with support and reassurance at a very tricky time. Their early pregnancy monitoring was thorough and Marija was always quick to respond to any questions, worries or concerns. I had been looking for exactly what plan your baby offers, someone to guide you through the unknown of a new pregnancy after recurrent loss from the ease of your local area.

Victoria Christie
Baby Innis
Since the first interaction with Dr Sami and Marija trying to conceive through to their early pregnancy support we wouldn't be staring at our beautiful 8 day old. Having previous miscarriage and struggles, when I finally saw those double lines I was left feeling anxious and terrified . Immediately, I got support throughout my first trimester and I truly do believe the plan in place meant she is here today. Couldn't be more grateful. Thank you Plan my Baby.

Abigail Moorcock
Baby Rowan
I came to Plan Your Baby after a missed miscarriage, knowing I wanted to do everything I could to support my next pregnancy. I initially had advice on fertility testing, which was thankfully not needed as we conceived quickly the second time round.
I had support from PYB in the first 3 months of my pregnancy — regular blood tests and scans and medication to help the pregnancy. Marija and Dr Sami were supportive, knowledgeable and kind throughout the whole period, providing me with much needed emotional support, especially with some early bleeding in the first few weeks.
I wouldn't hesitate to recommend PYB, especially for the flexible, remote support aspect.
My little boy is here now, so thank you from the two of us.

Veronica Einloft
Baby Celine
I’m incredibly grateful for the support I received from Plan Your Baby during the early stages of my pregnancy. Their team was always available—no matter the time—to guide me, recommend trusted labs and professionals, and help me navigate this delicate and uncertain period with peace of mind.
One of the things that made a huge difference for me was the convenience of their at-home services, including blood collection and progesterone injections. It took a great weight off my shoulders during a time when rest and reassurance were so important.
I wholeheartedly recommend their services to anyone going through the early phases of pregnancy, especially after an embryo transfer. Their care and responsiveness made me feel calmer, more secure, and truly supported.
A very special thank you to Dr. Sami and Marija—without your dedication and kindness, my journey would have been much more difficult.

Aisling O’Keeffe
Baby Teddy
We came to Plan Your Baby following a number of years of failed fertility treatments. From the start Marija and Dr Sami made us feel supported, heard and reassured. We felt immediately that PYB could be the people to help us have a baby. Throughout the IVF process they were always available to support us and we felt confident in their care.
Their unique approach to fertility treatment made IVF more accessible, less stressful and less of a burden when also trying to juggle work. Our son was born in May and we simply couldn’t be more grateful to them for getting us here.
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Jade German
Baby Vienna
Plan your baby have been amazing with me throughout my time with them and if it wasn’t for them I wouldn’t be 20 weeks in with my rainbow baby. There very attentive and fast with there replies and quick on helping with all your needs.
Deffo recommend plan your baby if you are struggling with getting pregnant and keeping babies there truly amazing and the support is unreal.
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Jonny Campbell
Baby Molly
Dr. Sami and his team were nothing short of incredible. They gave us clarity, care and hope when we were afraid to believe this pregnancy could work out. They are the reason we have our gorgeous girl, Molly.
Choose suitable option
Speak to our senior nurse or fertility coordinator
15 min online video consultation
Initial guidance on our approach and treatments
Treatment options overview and next steps
Price
£0
Price
£0
Dr Sami Almusawa
Medical Director and Leading Fertility Consultant
45 min online video consultation
Review of your medical history and personal fertility goals
Expert guidance on all available treatment options
Personalised treatment plan
Price
£125