Background

Emily and Jason had been trying to start a family for years, but after multiple failed attempts, their doctor recommended IVF (In Vitro Fertilization) as their best chance at conceiving. They were hopeful, but the cost of treatment was overwhelming—a single IVF cycle, including medications and doctor’s fees, was estimated at $25,000, and multiple cycles might be needed.

While they had saved $10,000, they still needed $15,000 to proceed. Financing options such as medical loans and credit cards were available, but the high-interest rates and rigid repayment terms would add unnecessary financial strain.

Emily’s older sister, Rachel, had seen their struggle firsthand and wanted to help. Instead of letting them take on high-interest medical debt, she offered to lend them the money in a structured way that ensured fairness and flexibility.

Loan Request & Agreement

Using Pari, Emily and Jason submitted a $15,000 loan request to Rachel with a 4-year repayment plan at 2.5% interest, far more manageable than any fertility financing option.

Rachel reviewed the request and adjusted the terms to make it even more family-friendly:

• A 12-month grace period, allowing Emily and Jason to complete treatment and focus on pregnancy before making payments.

• A “skip a payment” option once per year, in case of unexpected medical or baby-related expenses.

• No penalties for early repayment.

Once they finalized the agreement, they digitally signed the loan contract, and Emily and Jason received the funds instantly, allowing them to begin their IVF treatment without financial stress.

Repayment & Outcome

Emily and Jason completed their first IVF cycle, and after years of heartbreak, they finally received the news they had been waiting for—Emily was pregnant!

Thanks to the 12-month grace period, they were able to enjoy the pregnancy without worrying about loan payments. Once their baby was born, they began making automated monthly payments through Pari, ensuring timely repayments without any awkward family discussions about money.

After two years, Jason received a promotion at work, allowing them to increase their payments. By year three—a full year ahead of schedule—they had completely repaid Rachel.

To show their gratitude, they named Rachel the godmother of their child, recognizing the role she played in making their dream of parenthood come true.

Key Takeaways for Users

✅ Fertility Treatment Without High-Interest Debt: Emily and Jason avoided expensive medical loans while growing their family.
✅ Flexible & Family-Friendly Loan Terms: Rachel provided a grace period and a “skip a payment” option.
✅ Seamless Loan Tracking: Payments were handled automatically, keeping everything transparent and stress-free.
✅ Early Repayment Flexibility: They repaid the loan one year ahead of schedule.

Final Thoughts

Emily, Jason, and Rachel’s story proves that structured family loans can provide life-changing support while ensuring fairness and accountability. Thanks to Pari, they were able to set up a clear, secure, and stress-free loan agreement that worked for both of them.

Considering fertility treatments but need financial support? Or want to help a loved one on their journey to parenthood? Our platform makes lending and borrowing between family and friends secure, simple, and fair.

Download the app — Get started today!