5 stars
5.0 rating on Google Reviews

Affordable Loands with Ideal4Finance

Through our partnership with Ideal4Finance, an established credit broker, you can apply for the loan to cover or split the cost of your fertility treatments.

Apply for Ideal4Finance
Mobile screen showing Ideal 4 Finance app with a family photo and a 4.6 star rating.
advantages

Why Choose Ideal4Finance?

Ideal4Finance helps thousands of people secure finance and is rated ‘Excellent’ on Trustpilot.

Fast decisions

You apply online and decisions are made quickly based on your individual circumstances.

Flexible payments

Spread the cost of your fertility treatment with monthly payments instead of paying everything at once.

Quality support

If you need help with your application, you can call Ideal4Finance directly for guidance.

Need Support with Your Ideal4Finance Application?

Please call Ideal4Finance on 020 3617 4647, Monday to Friday, 9am–5pm.

Eligibility criteria

Am I Eligible for Ideal4Finance*?

To be eligible for humm, you must meet the following criteria:
You must be at least 18 years old
Have a UK address history of at least three years
Be employed, self‑employed or retired.
You must have a valid UK ID document, such as a driving licence or passport
You must have a UK debit or credit card in your own name

*Plan Your Baby Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, trading as Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance is available subject to status, and the rate offered will depend on your personal circumstances, the loan amount and the term.

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Young woman with curly hair relaxing on couch looking at her phone and smiling slightly.
process

How it works

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01

Initial consultation

02

Finalising the treatment plan

03

Application review and approval

04

Finalising the purchase

Book Your Free Consultation

Take the first step towards parenthood today. Our expert team is ready to guide you through your fertility journey with personalized care and support.

Email us

Available 24/7

No waiting list

Fast response guaranteed

Book Your Free Consultation
Payment Options

Choose How You’d Like to Pay for Treatment

Financing Options
Pay monthly. Start treatment now. Spread the cost over 12 months at 0% interest.
Best for patients who want predictable monthly payments.
12 fixed payments at 0% interest
Fast online approval
No upfront payment
Apply to Humm
Fertility Insurance & Benefits
Use your employee fertility coverage. We work with leading fertility benefit providers.
Best for employees covered by Carrot, Progyny and Ben.
Check your employer benefit program
Treatment cost reimbursement
Our team helps maximize coverage
Contact us to verify 

Have a question? WhatsApp Us for quick, clear guidance from our team

Information

Frequently Asked Questions

See all services

What is Ideal4Finance?

How do I apply with Ideal4Finance?

Who can apply for finance?

Are there risks to taking out a loan?

Is Plan Your Baby the lender?

Who can I contact if I need help with my application?

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Summer Offer

Fertility Consultation for

£99 £125

With one of our doctors

£500 off IVF
£500 off Egg Freezing
£75 off Assistance with Conception
Discounts apply when treatments start within three months of your consultation. Use code SUMMER2026 when you begin treatment
Offer available for consultations booked by 31 July.

Book a Call

Choose suitable option

Initial Free Consultation

Smiling woman with glasses and long blonde hair wearing a white collared shirt against a light background.

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

recommended

Fertility Doctor consultation

Select doctor
Select doctor

Included:

30–45 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

Book a Call

Choose suitable option

Select doctor
Select doctor

Included:

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

£300

Book a Call

Choose suitable option

Initial Free Consultation

Smiling woman with glasses and long blonde hair wearing a white collared shirt against a light background.

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

recommended

Medical Director Consultation

Man with glasses, beard, and striped shirt smiling in a circular avatar photo.

Dr Sami Almusawa

Medical Director and Leading Fertility Consultant

Included:

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

£118.75 £125

5% off

Book a Call

Choose suitable option

Initial Free Consultation

Portrait of a woman wearing a colorful floral hijab and a light beige top against a white background.

Free consultation with our speciality doctor

15 min online video consultation

Initial guidance on our approach and treatments

Treatment options overview and next steps

Price

£0

Price

£0

recommended

Medical Director Consultation

Portrait of a woman wearing a colorful floral hijab and a light beige top against a white background.

Dr. Nora Sahly

Speciality Doctor in Fertility, Sexual and Reproductive Health

Included:

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