Flexible payment plans for IVF treatment with Humm90

Start your fertility treatment now, with the flexibility of paying for it over 12 months interest-free* with Humm90

City Fertility has partnered with Humm90 to help ease the financial pressures faced by many when accessing fertility treatment. Humm90 is a reusable account that lets you have the treatment you need now with the flexibility and convenience of paying off the cost of treatment over a period of 12 months interest-free*.

  • Application and approval is fast and easy
  • No deposit is required
  • Apply for up to $50,000
  • $99 annual fee.
  • No monthly service fees
  • Make extra payments or payout early for no extra fee

How it works

woman kissing baby
  • STEP 1: Meet with your fertility specialist who will develop a personalised treatment plan.
  • STEP 2: Receive your personalised fee estimate for your treatment. Once your specialist has completed your treatment plan you will receive from patient services a customised fee estimate for your treatment.
  • STEP 3: Advise patient services that you wish to apply for a Humm90 account, and they will send you a link to the application form.  This is a quick and easy process.  If you are approved, you will have access to the funds for use for your treatment immediately.

You can use the Humm90 repayment calculator to compare the benefits of this payment plan humm90.com/au/calculators. *Please note that the promotional interest-free offer is available for only a 6 or 12-month repayment term.

Interest-free period

Your interest-free period refers to the length of time for which you will not incur interest.  With Humm90, this is for 12 months from the time of activation of the contract.  After this period, your outstanding balance will accumulate interest at the standard annual rate which is outlined in your contract.

In order to streamline the process, please have our patient services staff members at our clinic assist you with your application via the Humm90 portal.

Please note that Humm90 is only available for City Fertility fees and cannot be used to pay for external provider fees such as hospital, anesthetist, pharmacy, and specialist fees. 

For more information, call us on  1300 023 326  or head to

*Approved applicants only. Fees, terms, conditions & minimum finance amount ($400) apply, incl. A $99 Annual Fee is charged at the time the first debit is charged to your humm90 Mastercard Account and annually on the anniversary of that date. When you have met the Interest-Free Criteria, the Annual Fee must be paid in full within the Interest-Free Period, or it will attract interest. If you do not meet the Interest-Free Criteria, the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Mastercard Account. Up to 110 days Interest-Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest-Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest-Free Criteria meaning that all new transactions from that day will be interest-bearing from the date of the transaction. Any outstanding balance after the Interest-Free Period reverts to the humm90 Mastercard Purchase Rate. The minimum monthly repayment is required. Interest (charged at the Expired Promotional Rate) is payable on outstanding balances after any Interest-Free Period in relation to a Promotional Offer. See humm90.com/au for current interest rates. Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Australia Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.


    I have read and agree to the terms of City Fertility's Privacy Collection Statement and Privacy Policy.



    City Fertility network