Future Family offers new levels of care support for IVF and egg freezing with a stress-free way to pay.
Is Future Family legit?
Future Family (www.futurefamily.com) has a 4.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Health & Medical and its reputation is excellent. Praise is nearly unanimous, with 94% rating it 4 stars or higher; The business has replied to 83% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-30.
What reviewers say
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Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the incredible staff for being compassionate, highly supportive, and extremely knowledgeable throughout their fertility and financing journey. People highlight how smooth the entire application and loan approval process feels from start to finish.
Consumers note that loan coordinators and dedicated medical professionals provide fast responses and invaluable guidance that significantly reduces stress during difficult times. Though some customers initially felt uneducated or overwhelmed by what to expect, they deeply appreciated the patient assistance, clear explanations, and constant availability offered every single step of the way.
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Our nurse Rachel was extremely helpful and thoughtful as well as reassuring throughout our whole process. She checked in frequently, answered any questions we had, and was reliable. We would recommend her services to anyone.
Reply from Future Family2025-10-31
Thank you so much for sharing these kind words! We’re thrilled to hear that Rachel provided such thoughtful and reassuring care throughout your journey. We’ll be sure to share your feedback with her and our team. Your recommendation means a lot to us, and we wish you all the best moving forward.
Christina has been amazingly helpful and supportive during the entire process! So easy to get everything set up and even pivot to a new direction if needed. Thank you!
Reply from Future Family2025-10-22
Thank you so much for your kind words! We love to hear this kind of feedback, and are thrilled that Christina was able to make your financing process smooth, and that you feel confident with her support. We’ll be sure to share your feedback with her and the rest of our team. We look forward to continuing to support you in your family-building journey.
We worked with Curtis who was an absolute gem! He throughly explained everything about Future Family and the process! What we loved the most was that he gave us time to process everything before we were ready to move forward. He truly supported us each step of the way and has helped us get closer to finally achieving our goal of starting family.
Reply from Future Family2025-10-07
Thank you so much for sharing your kind words! We’re thrilled to hear that your experience with Curtis and Future Family has been so positive. It means a lot to know that he provided the clarity, support, and space you needed to feel confident moving forward. Helping people build the family of their dreams is exactly why we do what we do.
We’ll be sure to pass along your appreciation to Curtis! Wishing you all the best as you continue on your family-building journey.
This is my second time using Future Family for a fertility loan. The first time around went smoothly and I had no complaints or issues. This time has been a huge disappointment. I was approved easily, but from there, everything went downhill. After approval, I was emailed a set of instructions to have my funds disbursed to my fertility clinic. I was also advised to use a specific specialty pharmacy to obtain my medications and told that a portion of my loan would be allocated for those. I followed the instructions to the letter but it wasn’t until 3 weeks and multiple phone calls/emails later that I finally had my funds disbursed. I had to ask my fertility clinic to pause payments because the expected funds were so delayed. Every time I called future family they gave me excuses and runarounds, offering little help and instead asking me to be the middleman to ensure my funds were disbursed even though I had already done everything I could do on my end. It added tons of stress to an already stressful situation. My fertility clinic assured me they were requesting the funds but had still not received them. Weeks later, after having to be very pushy, future family finally told me that an email had ”not gone through” that I needed to sign to approve a release of funds. I had never been told that I needed to sign anything else so I didn’t even know to look for the email that wasn’t sent. They resent it and once I signed it, my funds were disbursed 5 days later. But when I called to order my medications, the specialty pharmacy stated they had received no funds for my medications. After calling future family yet again, they refused to admit they made a mistake and did not send the appropriate funds to the specialty pharmacy they requested I use. They also told me that because the funds were already disbursed to my clinic, there was nothing more they could do. Oh, except they did tell me I could take out another loan with them! Ha! So now, I have to pay out of pocket upfront for my medications, which I cannot afford right now (that’s why I got a loan in the first place). I am beyond frustrated with future family and I will never go through them for a loan again. Instead of making my fertility journey easier, they have added nothing but confusion, stress and a feeling of helplessness to my experience. Please save yourself a lot of headache and get a regular personal loan so you have control over your own funds.
Reply from Future Family2025-10-02
Thank you for taking the time to share your experience with us, and I want to start by sincerely apologizing for the frustration and stress you have experienced, especially during an already emotional journey. We deeply regret that your second experience with Future Family has not reflected the smooth, supportive process you had with us previously.
Your feedback highlights areas where we must improve, especially in ensuring our instructions are clear, our communication is proactive, and our processes prevent avoidable delays or errors. Please know that we are reviewing your case internally to ensure we always provide the same standard of care you received in your first experience with Future Family.
Thank you again for being candid with us. Your experience matters, and we are committed to learning from it so we can provide the reliability our patients deserve.
Curtis is amazing! We have worked with him for years during our fertility journey and he is the kindest and most encouraging person ever! He made our experience so smooth!
Reply from Future Family2025-09-19
Thank you so much for sharing this wonderful feedback! We’re thrilled to hear how much Curtis has supported you over the years and made your experience smooth. We’ll be sure to share your kind words with him!
I am at the beginning of my journey and Curtis Feimster has been very patience and understanding of answering my million and one questions. Giving us (my husband and I ) a great peace of mind.
Reply from Future Family2025-09-19
We’re so glad to hear that Curtis has been patient and supportive as you begin your fertility journey. It’s wonderful to know he’s been able to give you and your husband peace of mind. We’ll be sure to share your kind words with him! We look forward to continuing to support you and we wish you all the best.
I have been paying on a $10,000 loan with Future Family for about 2½ years.
Getting approved was easy and the early months were smooth. Unfortunately, the problems started later and have only grown.
Lost or misapplied payments: At least three payments have been “lost” even though I have bank statements and receipts showing on-time delivery—some payments were even above the monthly amount. Each time I discovered the issue only after I called to ask why my account showed late or past-due.
No notice of address change: Two of those “lost” payments went to the address printed on my statements because Future Family quietly changed its payment address without sending a single email or letter.
Credit score impact: Despite proof of payment and consistent on-time history, they reported me as late years later, damaging what had been excellent credit.
Balance that doesn’t add up: Even after paying roughly $400/month for almost three years, I still allegedly owe about $3,000, which makes no sense given the original loan amount and my occasional extra payments.
Pressure to allow direct bank drafts: I chose to send payments directly instead of giving them automatic access to my account. In hindsight, it feels like they penalize any customer who doesn’t let them pull funds themselves.
I now have to fight to have my credit corrected, and I feel their accounting practices are careless at best and predatory at worst.
Advice to future borrowers:
If you must use them, document everything and keep proof of every payment.
Double-check monthly statements and credit reports.
If possible, pay as much as you can up front and minimize the loan amount to reduce exposure.
Be prepared for poor communication and the burden of proving your own payments.
What began as a simple fertility-financing solution has turned into a stressful, expensive ordeal.
I cannot recommend Future Family based on my experience.
Reply from Future Family2025-09-19
We regret the frustrations you’ve experienced and how stressful this has felt during an already important journey. We understand how concerning it can be when payments and account details don’t seem clear, especially when credit reporting is involved.
Our goal is always to provide transparency and support, which is why we send frequent reminders when there are past due payments. We want to work with our patients to stay current on their payments, as we are invested in your positive outcomes both in your treatment and with your financing.
We are again reviewing your account with you directly to address your concerns about payment application, balance, and reporting. We are more than happy to walk through your account details and work toward clarity and resolution.
We truly value your feedback, as it helps us continue improving for all of our patients.
Jackie worked so well with us. She was attentive and helpful and we couldn’t be happier with the level of detail she provided.
Reply from Future Family2025-07-22
Thank you so much for your kind words! We're so glad to hear that Jackie was attentive, helpful, and thorough in working with you. We’re lucky to have her on our team, and we’re so glad she made your experience a great one. We'll be sure to pass along your feedback to her!
Amazing Service and Fast Funding!
Curtis Feimster was a joy to work with! He was so personable and showed genuine care and concern for our fertility funding needs. After reading about the company online and perusing their website, my husband and I decided to give them a try for our funding needs. The process was simple as Curtis guided every step and the informative phone call with him took care of all of our concerns for our fertility funding needs. There are also other great perks as Future Family isn't just about funding- they offer many great resources along with your funding, which will definitely assist with your journey along the way.
I highly recommend using Future Family for your family's funding needs and also highly recommend working with Curtis to assist. He's very patient and answers all questions very quickly, which is super helpful to have. Thank you Curtis!
Reply from Future Family2025-07-10
Thank you so much for your thoughtful feedback! We're truly grateful you chose Future Family to support your fertility journey, and we're thrilled to hear that Curtis made such a positive impact. It means a lot to know he helped make the process smooth and reassuring for you. We're also incredibly thankful for your kind words about our broader offerings. It's wonderful to hear that the additional resources we provide are meaningful to you. We’re honored to be part of your fertility journey and are here for you every step of the way!
Rachel is awesome! She has been such a great support system through my IVF/Egg Retrieval/FET process. She is knowledgeable and has been able to answer all of my questions no matter the time or day. You can really count on her and couldn’t have done it without her. Highly recommend!
Reply from Future Family2025-06-23
Thank you so much for your kind words! We're thrilled to hear that Rachel has been such a strong support for you throughout your IVF journey. It is part of our mission at Future Family to support patients not only financially, but also through this very complex care journey. Wishing you all the best as you continue on this path, and thank you again for sharing your experience!
Curtis was super helpful and friendly and answered all our questions in a professional and timely manner. We really appreciated his time and his kindness during this often stressful and overwhelming process of financing IVF.
Reply from Future Family2025-05-29
Thank you so much for your kind feedback! We're so glad to hear that Curtis was able to support you with professionalism, warmth, and care. It means a great deal to us that you felt well taken care of throughout the IVF financing process. We'll be sure to share your thoughtful words with Curtis! Thank you for trusting us. We’re wishing you all the best on your journey ahead.
The best part is the coach. My coach (Rachel) supported me every step of the way. We even scheduled virtual Zooms to administer medication live. She was empathetic, patient, available, and so well-informed about my procedure. I have no idea how I would have completed the procedure without her.
Reply from Future Family2025-05-27
Thank you so much for your kind words! We're truly touched to hear how much Rachel’s support meant to you during your treatment. She exemplifies the care, compassion, and expertise we strive to provide to every patient, and it's wonderful to know she was such a steady presence for you.
We’re so glad she could walk alongside you, whether through live Zooms or just being available when you needed her most. We’ll be sure to pass your feedback along to Rachel.
Thank you for trusting us during such an important time in your life.
I can't say enough good things about Rachel and Curtis
Ivf is a club that nobody wants to be in, but ff has taken some of the pain away. From my first phone call with Curtis, who awnsered all my questions and took some of the scaries away with ivf was amazing. Then Rachel, who's an ivf nurse who was assigned to me, now honestly I thought no biggie I can give myself shots, but oh boy it's so much more then that. She helped me walk threw mixing meds, she's helped me with the dosages that I actually messed up on lol! She's helped me understand my labs and what they mean, she's even been there for me when I was crying and just scared. She seriously like your ivf BFF! I have texted so many times threw out the day and she has always responded fast! Weekend, evening, she's there. She's even checked in on me to see how I am and where I'm at in the process. I can't say enough good things about her! I would recommend future family to anyone who has to go threw this, even though it sucks ff makes it better
Reply from Future Family2025-05-18
Thank you so much for sharing your experience with us. We know IVF can be an incredibly emotional and challenging journey, and we’re deeply honored to have played a part in helping ease some of that burden.
Curtis and Rachel will be so touched to hear how much their support has meant to you. It's clear the care, responsiveness, and heart they bring made a real difference for you, and we couldn’t be more grateful to have them on our team.
Thank you for trusting us and for recommending Future Family!
I worked with Jackie M and she is amazing! I really appreciated the time she took on the phone with me to chat about the process and also how seamless it would be to work with them. She was available for a second last minute phone call and modifications to the loan amount needed and a great resource for information as to what she thought would be best. I really enjoy working with her. You can tell she really cares about her clients and their journeys through this!
Reply from Future Family2025-05-15
Thank you so much for your kind words! We're thrilled to hear that Jackie offered you a great experience and provided the support you needed. She genuinely cares about her clients, and it's wonderful to see that come through. We appreciate you taking the time to share this and are grateful to be part of your fertility journey.
I cannot emphasize enough how fantastic my experience has been with Future Family. The loan application process was simple and transparent: I wasn’t pressured into borrowing more than I felt comfortable borrowing, there’s no hidden fees or penalties for early payback, and no question was treated with anything but the utmost respect and care. But the MOST important and *worth-every-penny* feature of the Future Family loan, is that it includes 24/7 access to a dedicated nurse! While fertility clinics try to be attentive and responsive to their patients, nothing—and I mean NOTHING—beats the peace of mind I had from having access to my dedicated nurse, Rachel. When the clinic didn’t respond in a timely fashion or provided an unclear/vague response to a question, instead of panicking (or getting angry), I referred my questions and relevant info to Rachel and she happily (and promptly) answered, explained, and armed me with appropriate follow-up questions to ask my doctor. My hand was held the whole way! Rachel celebrated my achievements with me, told me what to expect next, and literally walked me through—via FaceTime/Zoom—the various injections (some come in ready-to-go pens, others in vials to be withdrawn, and still others in powders that first need to be carefully mixed!). This would have been totally overwhelming without her! Although the egg “stimulation”, monitoring, and retrieval process is grueling, costly, and time consuming, having Rachel available to text a quick question or hop on a call meant that I could confidently adhere to an exact injection schedule which, for me, resulted in wayyyy better-than-expected results. At 39, I began the “cycle” with 11 follicles and was told to optimistically expect 70% of those being retrieved as “mature” eggs. They ended up retrieving ALL 11 mature eggs (!) and I honestly credit Rachel for this tremendous success. If it wasn’t for her being so accessible, I am certain any number of variables (withdrawing exact dosages, properly mixing powders with solutions, adhering to a strict injection schedule, or even knowing when/if to order extra medications before a weekend) would’ve produced different results. In fact, I’d go so far as to presume the “70%” guideline I was given is, in part, based on there mere fact that most people going through this process are NOT healthcare professionals and, understandably, make mistakes (big or small) when it comes to the medications/injections. Having Rachel, my dedicated nurse, allowed me to do everything possible on my end to ensure the best outcome. No guesswork. No mistakes. I’m as proud of myself for my final results as I am grateful to Future Family (and Rachel!) for enabling me to achieve them. I cannot recommend Future Family enough!!
Reply from Future Family2025-05-12
Thank you so much for your incredibly heartfelt message. We’re deeply touched by your words. It means the world to us that you felt supported, empowered, and cared for throughout your journey. We’ll be sure to share your kind praise with Rachel; she’ll be thrilled to know the profound impact she made. From all of us at Future Family, thank you for trusting us during such an important time. We’re cheering you on every step of the way!
At first I would have given this company 5 stars. The loan process was easy in 2022 and I had my daughter in 2024.
But now…. I can’t get anyone on the phone or get a response to my emails for a payoff letter (something I needed quickly). One… that should be available to you in the dashboard portal at all times, two there should be a way to speak to a representative on the phone during business hours.
Reply from Future Family2025-05-07
Thank you for sharing your experience, and congratulations on the arrival of your daughter! We’re truly honored to have played a part in your family-building journey.
We're sorry to hear about your frustration in obtaining a payoff quote. While our records show we responded to your request the same day it was received, we understand that timely access and clear communication are critical, especially when time-sensitive needs arise.
We’re currently reviewing how we can improve responsiveness through our dedicated Client Success phone line and hope to have updates soon. In the meantime, our recent email included a link to schedule time with a Client Success representative at your convenience, a helpful tool we encourage you to use if further assistance is needed.
We never want our customers to feel unheard, and your feedback is invaluable as we work to ensure a better experience for everyone.
I honestly did not expect my finance company to be one of the best parts of my journey! From the very beginning, before I signed any contracts, I had an accurate quote of my loan amount and monthly payment. I am a natural skeptic and this was very important to me! I had the direct cell number to MY Future Family rep, Curtis. Curtis explained the process, the contract, and the benefits of Future Family so eloquently. He walked me through my portal, how to pay my providers, and how to make my monthly payments. Any time I have a question or concerns I call or text Curtis. As an infertility patient I have grown accustom to waiting days and days to hear back from providers. But Curtis picks up the phone every single time I call. He has responded to my messages within minutes. At one point I was waiting and waiting and worrying and worrying about a refund. I finally called Curtis and asked for his help. He told me he would get someone on it right away. The relief I felt to know I had someone working for me personally was so meaningful! My refund hit two days later. We have had such pleasant conversations and I just love talking with him. He is always rooting for me. In this emotionally complicated time I am so grateful to have peace of mind with Future Family.
Reply from Future Family2025-04-25
Wow! Thank you so much for sharing this! Your message truly means the world to us. We’re honored to be a part of your fertility journey, and it’s incredibly moving to hear that Curtis has been such a steady, supportive presence for you. He genuinely cares, and your words perfectly capture the kind of experience we strive to offer every family we work with.
In such an emotional and complex time, knowing that you feel peace of mind and trust in us is the highest compliment we could receive. We’re so grateful for the opportunity to support you, and we’ll continue cheering you on every step of the way.
Curtis is excellent to work with! He made the process of understanding the loan terms, the benefits of using future family, and accepting the loan a seamless process. He even set up my loan on a holiday when I found out last minute we needed the money the next day.
Reply from Future Family2025-04-22
Thank you so much for your kind words! We're thrilled to hear that your experience with Curtis was such a positive one. He's a true professional, and it means a lot to know that his dedication, especially going the extra mile on a holiday, made a difference for you. Helping families navigate their fertility journey with ease and support is exactly what we’re here for. Wishing you all the best on your journey!
Curtis is the best!! He is so easy to work with and genuinely cares about helping make this process as smooth and stress-free as possible.
Reply from Future Family2025-02-25
Thank you so much for your kind words! We’re thrilled to hear that Curtis had a positive impact on your experience. We’ll be sure to pass along your appreciation—he’ll be delighted to hear it! We are here to continue to support you on your fertility journey!
Curtis is absolutely amazing! We have worked with him twice now, and each time he treats us like old friends. Very speedy and always beyond helpful. He also checks in often and has the best customer service. We just love him!
Reply from Future Family2025-02-24
Thank you so much for your kind words about Curtis! We’re thrilled to hear that he has provided you with such an amazing experience—not once, but twice! Curtis truly embodies the kind of customer service we strive for, treating clients like old friends and going above and beyond to ensure a smooth process. Your appreciation means the world to us, and we’ll be sure to share your wonderful feedback with him.
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