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Question: We are a couple trying to have a baby for the last years and Allah did not allow it to happen yet. We have an option to do an In vitro fertilization. We have the money in a line of credit. Can we use this money even though we have a home mortgage and a credit card to pay every month? We would like to know what Islam say about it. Note that we are making our payments every month without any problems.
Answer:

If the process you have mentioned involves interest then the transaction is considered as haraam (unlawful), for interest is haraam. If, however, by paying your instalments every month when they are due, you can avoid paying the interest, then there is nothing wrong with that. For in that case, it is not at all different from your credit card purchases; which may or may not involve interest, depending on whether you pay it of in full when it is due or you choose to pay it with interest. If, therefore, your payments involve interest it is considered as haraam.

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