TLC Payment Plans
Starting fertility treatment can be one of the most important decisions you’ll ever make. At Monash IVF, we understand that the emotional and financial investment can feel overwhelming at times. That’s why we’ve partnered with TLC to help make fertility treatment more accessible when you need it most.
Why choose TLC?
TLC specialises in affordable, flexible payment solutions for medical treatments. Whether you’re starting IVF, exploring donor options, or considering fertility preservation, TLC offers a simple way to manage costs over time.
Key benefits:
Loan amounts from $2,001 to $70,000 AUD
Flexible repayment terms of up to 84 months
No early payout fees – you can reduce your balance anytime
Fast approvals and funding within 24 hours of approval
Competitive interest rates, starting from 6.3% for eligible applicants*
Available for a range of employment types, including part-time, casual, and Centrelink-supported incomes
TLC is protected under Australian consumer credit laws, ensuring your borrowing experience is safe, transparent, and stress-free.
Who can apply?
TLC payment plans are designed to support individuals and families from all walks of life. You can apply if you are:
Employed full-time, part-time, or casually (3+ months)
Self-employed
Receiving Centrelink payments (for loans up to $5,000)
A family member applying on your behalf
Someone with a minor credit default or limited credit history
How it works
Apply
Complete the online application or call TLC on 1300 045 047. It only takes around 30 seconds to start.
Approval
Once your proof of income and ID are received, TLC will assess your application and guide you through the approval process.
Settle
Approved funds are paid directly into your nominated account, and you can start treatment straight away. It’s simple, secure, and managed entirely by the TLC team, so you can stay focused on your fertility journey.
Your next step
Monash IVF and TLC share a commitment to making fertility care accessible for more Australians. If you’re ready to start or continue treatment with greater financial flexibility, a TLC payment plan could help you take the next step with confidence.
Apply online or speak with our team to find out how TLC can support your journey.
Terms and Conditions
Payment plans provided by Total Lifestyle Credit Pty Ltd, Australian Credit licence 509691 (TLC). For approved customers only. Terms, conditions, fees and charges apply. For a payment plan with TLC, interest rates differ depending on a number of factors, including the information you provide TLC and their assessment of your application.
Payment terms range from 24 to 84 months. All applications are subject to TLC lending and approval criteria. Speak to TLC direct for a quote based on your personal circumstances and for the full terms and conditions. A full credit and financial assessment would need to be completed prior to acceptance of any offer or product.
WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
EXAMPLE: For a payment plan for $30,000 over 60 months with the minimum interest rate of 6.99% p.a. (8.25% p.a. comparison rate), the total amount payable would be $36,711 (including a $250 establishment fee and a $13 per month service fee). WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Start your fertility journey
Wherever you are on your journey, one of our supportive nurse enquiry team members can help you understand your options and take the next step. These conversations are free and informative.