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Our adoption loans are personal loans specifically for adoption expenses. Upon approval, funds are transferred to your bank account, freeing you to begin your adoption journey.
Adoption Line of Credit
Featuring a two-year draw period, this option is ideal for those who need funds upfront for early expenses in their adoption journey as well as adoption costs at placement.
Not Sure Where To Start?
As a first step, we recommend scheduling a consultation with one of our Adoption Consultants, who are more than happy to guide you and answer your questions you may have.
Start Your Adoption Journey Today!
Fill out the form below to get started on your membership application.
Removing The Barriers To Adoption Financing
Adopting a child into a forever loving home is one of the highest callings believers can undertake. ACCU is here to pray over you and advise through each stage in the adoption process. Whether your adoption is domestic or international, we have a wide array of options to help remove financial barriers and custom tailor a solution that best suits your family’s needs.
Low-Cost Adoption Financing
Our low-rate adoption loans are great for both international and domestic adoption. Use the funds for expenses such as agency, court, and lawyer fees, a home study, or travel costs. We would be honored to pray over you, and walk you through our personalized loan process tailored to your adoption journey.
The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.
What is an adoption line of credit?
An adoption line of credit is a line of credit specifically for adoption related expenses. You can re-access the credit line as often as you need during the draw period, then your repayment term will begin. This option is ideal for borrowers that need funds upfront for early expenses in their adoption journey as well as adoption costs at placement.
When should I apply?
We suggest you apply as soon as you are ready. We’re excited to walk through this journey with you.
What documents are required?
For non-members, you must establish membership prior to loan funding. Once membership has been verified, we are committed to fund the loan within 1-2 days if we receive all required documents in a timely manner. Please upload the following required documents to avoid any delay.
1. Adoption Notarized Home Study Approval
2. Adoption Fee Schedule
3. Adoption Signed Agency Contract Stated Income
For questions on the documentation, please schedule a consultation with our lending team at 800-343-6328 and select option 2.
How much does it cost to adopt a child?
Adoption costs vary. Please reach out to us for further assistance.
Is it possible to adopt for free?
Yes, there are thousands of children living in foster care waiting for adoptive parents. If you are willing to foster-to-adopt, your costs will be significantly reduced.
Who do I call for more information?
We are here to help answer any questions you may have. Please schedule a consultation with our lending team at 800-343-6328 and select option 2.
How long does it take?
Your Loan can be funded within 1-2 days if we receive all required documents, and your membership is established.
What is the adoption home study?
The Adoption home study confirms that the family is able to provide a stable and nurturing home for a child.
What is an adoption fee schedule?
The Adoption Fee Schedule is typically provided by the adoption agency which provides the breakdown of the adoption fees and expenses.
When do I need to establish my membership?
You can set up your membership at any time, but you will need to establish membership once your loan is approved.
1 – Adoption Line of Credit subject to credit approval. Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for payments made by ACH/automatic payment. Not all applicants will qualify for the lowest rate. Current ACCU loans not eligible. Loan funding fee of $75.00. Maximum 24 months draw period. Adoption Line of Credit is an unsecured line of credit with rates ranging from 9.49%–16.49% APR. Minimum payment of $100 or 2.0% of highest balance after last advance, whichever is greater. Disbursement of funds will be controlled as expenses are approved. Line of credit advances must be approved by ACCU and can only be used for approved purposes in relation to the adoption expense.
2 – APR = Annual Percentage Rate.
3 – Minimum loan amount is $5,000
All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply.