Fixed interest rate starting at a preferred rate
Adoption financing
Adoption Loans
Your calling to adopt is at the heart of the Gospel.
Apply online →Adoption Loan
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.
Terms up to 84 months
Rate discounts available with automatic payment
Borrow up to the amount you need, based on your approval
Loans funded in as little as 1–2 days
Start your adoption process today
Complete the form below and an advisor will get in touch with you.
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.
Adoption loan 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
—
- Total de intereses
- —
- Total a pagar
- —
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 Loan process
Submit your application
Complete the application to start the process.
Schedule a consultation
We'll talk about your situation, credit capacity, and financing needs.
Establish your membership
If you're approved and not yet a member, you'll need to establish your membership before disbursement.
Upload your documents
This is a special-purpose loan: it may require documentation such as the home study.
Receive your funds
Funds are typically disbursed to the adoption agency or against proof of use.
Adoption Line of Credit
It fits how expenses happen during the adoption process. Draw funds when you need them during a 2-year draw period, aligned with the average time for a placement.
Frequently asked questions about the Adoption Loan
What is an adoption loan?
It's a personal loan specifically for adoption expenses. To qualify, you must meet certain eligibility requirements and provide information specific to the adoption process. Once approved, funds are transferred to your bank account and payments begin the following month.
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, on time, the notarized home study, the agency's expense breakdown, the signed contract with the agency or attorney, and a letter of intent regarding the use of funds.
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 funded in as little as 1–2 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.