Looking to adopt? Considering in vitro fertilization? Ready to head into the hospital to have your baby? When it's time to expand your family, even if you have excellent insurance, there are still many costs that are not covered - but that’s where Genisys Credit Union baby loans & adoption loans can help.
The costs of adopting or having a baby can sneak up on you. No matter how or where you give birth or adopt your child, the bills can start to pile up pretty quickly - and may not be covered by your insurance in certain situations. Genisys Credit Union offers a selection of loans including baby loans, fertility loans, and loans for adoption to help you better manage the costs of bringing your new little one home.
Benefits of Baby, Adoption, & IVF Loans
Whether you're already expecting or if you are looking into adoption or in vitro fertilization (IVF), a Baby and Adoption Loan from Genisys is here to give you the absolute best for your child.
These loans offer:
- High credit limits
- Flexible terms
- Low fixed rates
What can a baby loan be used for?
- Hospital expenses
- Deductibles
- Co-pays
- Prenatal care
- Delivery costs
- Post-delivery medical expenses
What can an IVF loan be used for?
- IVF procedures
- Fertility treatments
- Medications
- Laboratory fees
- Related medical expenses
What can an adoption loan be used for?
- Agency fees
- Legal fees
- Travel expenses
- Court costs
- Application fees
These loans offer high credit limits, with flexible terms and low fixed rates. For even more loan options, check out the rest of our personal loans to see what Genisys can do for you.
Baby and Adoption Loan Special
Effective Date: Sunday, November 8th, 2026
| Loan Amount | APR as low as* | Approximate Term |
| $5,000 - $30,000 |
9.99% |
up to 60 months |
| $5,000 - $30,000 |
10.49% |
up to 72 months |
Apply Online *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer. Approximate monthly payment would be $25.56 per $1,000 borrowed at 10.49% for 48 months or $21.69 per $1,000 borrowed at 10.99% for 60 months. |
Baby and Adoption Loan
Effective Date: Sunday, November 8th, 2026
| Loan Amount | APR as low as* | Approximate Term |
| $500 - $50,000 |
10.74% |
up to 72 months |
Apply Online *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $21.84 per $1,000 borrowed at 11.24% for 60 months. Maximum total unsecured credit allowed is $50,000. |
Not what you are looking for?
We are happy to discuss your needs and find the perfect loan for you.
Contact us at 248-322-9800 x5 or find your local branch. We are happy to help!
Yes, IVF loans can be used to finance expenses related to other types of fertility treatments not covered by insurance.
Baby, adoption and IVF loans from Genisys have low fixed rates, which may be lower than the rate on a credit card.
Yes, you can apply in advance to help plan and budget for upcoming costs, or apply once expenses have already started.
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