Lettuce is available to people getting fertility care at partner clinics across Canada. We look at your full financial picture, not just a credit score, so many patients who have been turned down elsewhere find they qualify with us. You will need to be the age of majority in your province, a Canadian resident, and have a steady source of income. The quickest way to find out is to check your eligibility. It takes about two minutes.
Lettuce is available to people getting fertility care at partner clinics across Canada. We look at your full financial picture, not just a credit score, so many patients who have been turned down elsewhere find they qualify with us. You will need to be the age of majority in your province, a Canadian resident, and have a steady source of income. The quickest way to find out is to check your eligibility. It takes about two minutes.
Nothing. Checking your eligibility is free and so is applying, and you are never charged for finding out where you stand.
Checking your eligibility only triggers a soft credit check, which does not affect your score. If the amount you finance is more than $17,500, we complete a hard credit check, which may have a small impact. You will know which one applies before it happens.
From $1,000 to $50,000, over terms of 6 to 60 months. Your rate is fixed, so your payment is the same every month from the first one to the last. You can also finance part of your treatment rather than all of it if you would rather cover some yourself.
We pay your clinic directly and upfront, before your treatment begins. You never have to front the cost, put it on a card, or wait to be reimbursed. Your clinic sees the full amount, and you deal with predictable bi-weekly or monthly payments.
Fertility care rarely runs in a straight line, and plans shift. Because your clinic is paid upfront, anything you no longer need is handled between you and your clinic under their refund policy, and any amount they return goes straight against your balance. You can also pay your plan down or off at any time without penalty. If something changes, tell us early and we will work through it with you.
Yes, at any time, with no penalty. Interest is calculated daily on what you actually owe, so every extra payment reduces the total you pay. You will see the change in your account right away.
Use it first. Public funding varies a lot from province to province, and even a funded cycle usually leaves medications, storage and add ons to pay for. Many workplace plans cover part of your drug costs, and some provinces offer a tax credit as well. Our calculator walks through what is available where you live, and Lettuce can cover whatever is left over!
