Ela Loan specializes in providing patient financing services for all fertility treatment options. Our easy, convenient loan process and competitive rates through our partners ensures that the financial aspects of treatment are not an obstacle to achieving your dream of a family. Your financial score may determine what kind of health care partner fits you and what kind of fertility tests are covered, but our team makes sure that you have all the options at hand at the best possible rates. You can also explore low-cost EMIs for providing finance to IVF and also to Surrogacy patients.
Each loan program based on Patient history and Credit Score is designed to fit your individual circumstances and once approved, our Fertility Loan Specialist will work closely with our Partners to ensure the funds are secured prior to the commencement of your treatment.
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Ela has many loan partners, which provides medical loans in very short span of time so that you can start with your treatment right away. You need to submit your required documents and if your loan is approved, the amount is disbursed within 24 hours.
Yes. In fact you can get instant medical loans from Ela. The process is very fast and smooth. You just need to file an online application to request for loan. The entire process is paperless and digitally approved.
Once you submit your documents, they are analyzed to calculate your credit score. If you fulfil the desired criteria, the loan disbursement process is started and it takes next 24-48 to receive the loan amount.
In order to be eligible for loan request, your age must be in between 21 to 55.
You need to submit the following documents for the fast approval of your loan application:
The maximum amount of medical loan that can be sanctioned to an individual is Rs. 10 lakhs. Sometimes for surrogacy treatment, an individual may require higher medical loan.
Yes. Medical loans can be used for any of the fertility treatments such as IVF, ICSI, Surrogacy, TESA, Laparoscopy, IVF with donor egg etc. Infact medical loans can also be utilized for medical expenses associated with diagnostic tests, medicines and consumables during treatment.
The maximum tenure to pay the entire loan amount is 60 months i.e 5 years. You can easily repay the loan amount in flexible EMIs. But the maximum duration is 5 years. So, the EMI depends on your tenure as well as loan amount.
The rate of interest for loan may start at 0% for you. If you are not a defaulter in the past and your CIBIL score is impressive, then your interest rate is always on the lower side.