Our mission is to make out-of-pocket fertility treatments more affordable for Canadians.

You can move forward with your treatment today and pay over time using our convenient payment plans. We can help you cover any fertility expense you may be facing – and we use leading technology to make the process fast and easy.

With Health Smart, you have access to a variety of lending options. Applications can be submitted 24 hours a day, 7 days a week and you can receive pre-approval without impacting your credit. We work with absolute discretion and keep all sensitive customer information confidential.

We finance anything from $300 up to $25,000.


Fertility Treatment Financing For:

  • Acupuncture
  • Assisted Hatching
  • AugmentSM
  • Donor Egg Program
  • Egg Freezing
  • Sperm Freezing
  • Embryo Freezing
  • Male Factor Infertility
  • Surgical Options
  • Polycystic Ovarian Syndrom (PCOS)
  • Preimplantation Genetic Diagnosis (PGD)
  • Specialized Care
  • Ovulation Induction
  • Previous ART Failures