Fund Your Treatment

  • More than 7,000 Loans disbursed at 0% interest rate
  • 2 Hour approval process with 24 hour Disbursement Timeline
  • Loans available from Rs. 1 lakh to Rs.25 lakhs

Fund Your Treatment with Ela Finance

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Note: Ela doesn't charge any thing for its Services to its patients and all our services are FREE and Transparent. *T&C Apply

Fertility Financing

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 IVF patients.

Please contact our Loan department for more details at

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.

Advantages of ELA Loan

  • Pre-Approval With in 24 Hours
  • Flexible Terms
  • Highest Confidentiality
  • Retain your existing credit

Our Partners

What people are saying

Lokesh Joshi
Due to financial constraints, we were not able to get IVF treatment. Ela Loan helped us in fulfilling our dream without draining our savings. It was a good experience.
Onik Chakroborty
We received various repayment options with Ela Loan and this ensured that we get the required amount of treatment expenses in the form of loan. Thanks team Ela!
Urvashi Sahay
Hi! I am Urvashi! The approval time of Ela loan is very fast which prevented us from missing our IVF treatment. Today I am 3 months pregnant. Thanks to Ela Finance team!
Sireesha Lamba
When we contacted Ela for medical loan, we received personalized attention without getting off the track from our pregnancy goal. Thanks Ela for such a fine experience.

Ela Finance and Loan

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.

Can I get medical loans from Ela?

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.

How much time does the process take?

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.

What should be my age limit?

In order to be eligible for loan request, your age must be in between 21 to 55.

What are the documents required to be submitted?

You need to submit the following documents for the fast approval of your loan application:

What is the maximum loan amount that can be sanctioned to an individual?

The maximum amount of medical loan that can be sanctioned to an individual is Rs. 10 lakhs. Sometimes for IVF Treatment, an individual may require higher medical loan.

Can I use medical loans for fertility treatments?

Yes. Medical loans can be used for any of the fertility treatments such as IVF, ICSI, 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.

In what time do I need to repay the complete loan amount?

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.

What is the rate of interest on the loan?

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.

Ela Finance is a dedicated platform to help patients with the financial aspects of their medical treatments. The main purpose of the creation of Ela Finance is to make sure that patients have a smooth experience with their chosen infertility treatments.

Challenges associated with Financial aspects of medical treatments:

Medical treatments are one of the unavoidable scenarios of an individual’s life which can come at any stage of life. Depending on the type of medical condition, the costs of the entire treatment including the procedure and medications vary accordingly. As per the reports of the Insurance and Care NSW, it is found that the expenses linked to the medical treatments are increasing at a steady rate. It has recorded that even the individuals who have healthcare insurances for the peak times, especially those who are presently employed at an organization, are now not able to compensate for the costs of the medical treatments. The claims associated with the medical treatments have increased after the first year of treatment. The rise is much more than expected. In the time span of 2015 to 2017, it is found that the claims in the second year for a particular treatment with respect to healthcare insurance has increased to a great extent. Still, patients are not able to meet the ends when the medical treatment expenses are taken into consideration. (Source:Insurance

After the examination of the two years of census data, experts have concluded that around 24 million Americans are facing troubles in recent times to pay for the costs of the concerned medical treatments. This happens even in cases of individuals who have been covered with employer type healthcare insurances. A number of individuals are facing a series of challenges while paying for their medical treatment costs. Experts predict that the medical costs will notice a further increase over the upcoming years. Although the statistics are not perfect and some of the experts have opinionated the fact that more number of individuals are now looking for solutions which can benefit them with healthcare costs in the most effective manner. (Source:Huffingtonpost)

What are the key features and benefits of Ela Finance?

Ela Finance comprises of certain specific features which prove to be beneficial for the patients who are planning for infertility procedures. Ela Finance is built with the assistance of a set of useful features that assist patients to execute their infertility treatments with success. Here are some of the top benefits or advantages that will help patients in taking assistance of Ela Finance.

Thus, Ela Finance is always there to serve and guide patients with the required financial help. This ensures that patients have a satisfactory experience with their respective medical treatments. Ela Finance is specially crafted to offer patients with the required assistance in case of saving funds for the medical procedures and loan facilities as well. These two important features and concepts of Ela Finance are popularly known as "Ela Savings" and "Ela Medical Loans". Each of these concepts have a professional team which caters to the needs of the patients depending on their requirements.

Ela Savings:

Ela Savings is an interesting and innovative concept introduced by Ela. Ela Savings is created to make sure that patients can receive proper guidance with respect to their treatment cost and other important aspects. It also helps hospitals and infertility clinics to boost their practice and serve patients in the best possible manner. Ela Savings is designed in such a way that both patients and hospitals or clinics are able to benefit from this modern and advanced savings plan crafted specially for medical treatments.

Ela Savings for Patients:

Ela Savings concept is designed under the guidance of top financial experts who have experience in understanding money management for patients especially in case of expensive medical treatments. The prime aim of this innovative concept is to make sure that patients are not only able to plan their treatments but also able to save a sufficient amount of money. It is important to understand that patients can reap the benefits of this innovative savings plan for their infertility treatments. Patients have the opportunity to make sure that they are investing in the right place for their chosen infertility treatments. Ela Savings is created solely with an aim to make sure that patients are able to plan their infertility treatment in the best possible manner. Here are some of the key benefits which patients receive when they decide to go for the suggested Ela Savings plan.

Ela Savings also helps in keeping financial transparency between patients and clinics which keeps the money matters simple during the treatments. Ela Savings also aims to clarify any misunderstandings and doubts linked to the payment of infertility procedures. The financial experts of Ela make sure that patients do not have face trouble while paying for their infertility treatments.

Ela Medical Loans:

The team at Ela has brought one of the innovative ideas into existence with the guidance of some of the top infertility experts and financial experts. The team at Ela understands that each of the patients has their own financial priorities with respect to the medical treatments. This makes it useful for them to take the right path to finance their infertility procedures in the best possible manner.Annual Percentage Rate (APR) on the loans ranges from 0% to 10%. The repayment period ranges from 6 months to 3 years. For Example, Total cost of the loan on Rs. 100,000 loan amount is a maximum of Rs. 10,000 per year which includes all fees.

Steps involved in the application of Ela Medical Loans:

Ela medical loans comprise of certain specific steps which lead to successful execution of the procedure. These steps are executed in the best possible manner to make sure that patients do not face any troubles in their infertility treatments. There is easy approval of the application and no collateral factors involved with the loan. Here are three simple steps which help patients receive loan amount with ease.

The money is received within 24 to 48 hours depending on the medical case and financial status of the patient. This makes financing for infertility treatments simple and easy for execution. A patient can pay back the total loan amount until a time frame of 5 years. The time period is confirmed at the time of signing up with the medical loans offered by Ela. The team at Ela guides patients as well to properly choose the required medical loan and move ahead with the advised medical loan type for the respective medical case. (Source:Ela Medical Loans)

Ela Pay:

Ela Pay is a top medical treatment gateway which serves ease to patients to pay for their medical treatments like infertility procedures. This concept of treatment payment is an innovative one for patients along with infertility centres as well. The motive of the team at Ela is to make sure that patients can find it convenient to pay for their infertility procedures without facing any troubles. Ela Pay provides the following features to patients which benefit them while paying for their infertility treatments.

Thus, Ela has emerged as one of the largest fertility and maternity portals in India. The team aims to provide patients with best quality infertility treatments along with financial assistance. The financial assistance is offered in the form of easy payments throughout the infertility treatment and medical loan assistance. Patients can reap the benefits of both Ela Pay and Ela Medical Loans in an effective manner to improve their experience throughout their infertility treatment journey. The dedicated teams at Ela are present to guide and assist patients at each step of their treatment including budget and payment for the infertility treatments at the particular infertility centres. If you have any further doubts related to payment modes and medical loans, then you can simply contact us now

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