Fixed interest rate starting at a preferred rate
Adoption financing
Adoption Line of Credit
We're here to help make your dream of building a family come true.
Schedule a consultation →Adoption Line of Credit
Removing the barriers to adoption financing
Whether your adoption is domestic or international, we have options to help you cover agency, court, attorney, home study, and travel expenses.
2-year draw period; 5-year repayment term
Draw the amount you need, within your approved limit
You only pay interest on the amount you use
Available for domestic and international adoption
Adoption financing options
Adoption Loan
A personal loan specifically for adoption expenses. Once approved, funds are transferred to your account so you can begin your process.
Adoption Line of Credit
With a 2-year draw period, ideal if you need funds upfront for early expenses as well as at the time of placement.
What would my payment be?
The amount, interest rate, and loan term have a significant effect on the total you'll pay. Use the calculator to see the impact of each variable.
Line of credit calculator
El monto, la tasa de interés y el plazo del préstamo afectan de forma importante el total que pagarás. Usa esta calculadora para estimar tu cuota.
Resultado estimado
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- Total de intereses
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- Total a pagar
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Esta calculadora es solo informativa: no constituye una oferta de crédito ni garantiza una aprobación. Las tasas y condiciones reales dependen de la evaluación crediticia de cada socio.
How it works
Adoption Line of Credit process
Schedule a consultation
Talk with our team to understand your options.
Submit your application
Complete the application to start the process.
Upload your documents
This is a special-purpose loan: it may require documentation such as the home study.
Establish your membership
You must be a member before disbursement. We'll help you open your account.
Receive your funds
Funds are typically disbursed to the adoption agency or against proof of use.
Frequently asked questions about the Adoption Line of Credit
What is an adoption line of credit?
It's a line of credit specifically for adoption-related expenses. You can reuse the available credit during the draw period, after which your repayment period begins. It's ideal if you need funds upfront for early process expenses, as well as for costs at the time of placement.
When should I apply?
We suggest applying as soon as you're ready. We're happy to support you through this process.
What documents are required?
If you're not yet a member, you'll first need to establish your membership. Once verified, we're committed to processing your loan quickly if we receive all required documents on time, such as the notarized home study, the agency's expense breakdown, and the signed agency contract.
How much does it cost to adopt a child?
Adoption costs vary. Contact us for guidance based on your situation.
Is it possible to adopt at no cost?
Yes, there are thousands of children in foster care waiting for an adoptive family. If you're open to foster-to-adopt, your costs are significantly reduced.
Who do I call for more information?
We're happy to answer your questions — schedule a consultation with our team.
How long does the process take?
Your loan can be processed within a few business days once we receive all documents and your membership is established.
What is the home study for adoption?
The home study confirms that the family can provide a stable, caring home for a child.
When do I need to establish my membership?
You can do it at any time, but you'll need to have it established once your loan is approved.
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A personal loan specifically for adoption expenses, with funds transferred directly to your account.