Adoption Loans

Removing The Barriers To Adoption Financing

Your call to adoption is the heart of the Gospel. 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, walk you through our personalized loan process tailored to your adoption journey.

Today's Rate - Valid 10/25/2020
Adoption Loans
As Low As
6.49%
APR

Simple Loan Calculator

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 infer 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.

Additional Adoption Loan Programs
It’s important to find the right loan to meet your needs. In addition to our adoption loan, we offer an adoption line of credit, auto equity loan, and home equity line of credit. for adoptive parents looking for different ways to finance an adoption. These adoption programs allow the borrower to request funds as needed.
An adoption line of credit matches the way expenses are incurred throughout the adoption process. The borrower can request funds for adoption related expenses during the two-year draw period which aligns with the average adoption placement timeline. You can request funds for expenses such as agency, court, and lawyer fees, a home study, or travel costs.
  • Credit limit up to $30,000
  • Fixed interest rate
  • Two-year draw period
  • Five-year repayment term
  • Only pay interest on amount used
  • Available for domestic and international adoptions
An auto equity loan uses your vehicle as collateral for your adoption loan. You may borrow against the value of your vehicle to receive a lower rate than an unsecured loan.
  • Borrow up to 100% of vehicle loan to value
  • Low, fixed interest rates
  • Terms up to 84 months
  • Available for domestic and international adoptions
Over the years, your diligent monthly home payments have helped you build equity in your home. You may use that equity to finance your adoption over a longer period of time aligning with your adoption journey.
  • Borrow up to 70% of your home loan to value
  • Variable interest rate options available
  • 10-year draw period
  • 20-year repayment tem
  • Only pay interest on amount used
  • Available for domestic and international adoptions
An adoption line of credit matches the way expenses are incurred throughout the adoption process. The borrower can request funds for adoption related expenses during the two-year draw period which aligns with the average adoption placement timeline. You can request funds for expenses such as agency, court, and lawyer fees, a home study, or travel costs.
  • Credit limit up to $30,000
  • Fixed interest rate
  • Two-year draw period
  • Five-year repayment term
  • Only pay interest on amount used
  • Available for domestic and international adoptions
An auto equity loan uses your vehicle as collateral for your adoption loan. You may borrow against the value of your vehicle to receive a lower rate than an unsecured loan.
  • Borrow up to 100% of vehicle loan to value
  • Low, fixed interest rates
  • Terms up to 84 months
  • Available for domestic and international adoptions
Over the years, your diligent monthly home payments have helped you build equity in your home. You may use that equity to finance your adoption over a longer period of time aligning with your adoption journey.
  • Borrow up to 70% of your home loan to value
  • Variable interest rate options available
  • 10-year draw period
  • 20-year repayment tem
  • Only pay interest on amount used
  • Available for domestic and international adoptions
Financing with Christian Values
We have a heart for adoption. At America’s Christian Credit Union, we have been helping families remove the financial barriers to adoption for over 10 years. Whether you are ready to adopt and just need financing or are just beginning to explore adoption, our dedicated lending professionals stand ready to help you complete your adoption journey.
Adoption Grant

America’s Christian Credit Union is dedicated to helping children find their forever families. As part of our mission “To Reach, Serve & Teach”, we are offering a $500 adoption grant.

To apply for our adoption grant:

  1. Review qualifications for eligibility.
  2. Submit an application
  3. Submit a 2-3 minute video and write about your adoption journey. Please include how adoption has made an impact on your life, the story of your adoption, and how your family has changed as a result.

Eligibility Requirements and Disclaimer

  • Membership at America’s Christian Credit Union is required. The application must be fully completed with all videos, photos, text, and other materials submitted together. ACCU employees and relatives are not eligible. Any falsifications will cause candidates to become ineligible for the grant.
  • Applications, videos, stories, photos, and other material submitted become the property of ACCU. We reserve the right to use the recipient’s name, photo, and excerpts for our use and publication.
  • No representations are made about any tax benefits or consequences associated with this grant. Recipients should obtain their own tax advice concerning the grant.
  • ACCU’s management will maintain the sole selection of the grant recipients.



Adoption Partners, Awards & Recognition
America’s Christian Credit Union is a leader in international and domestic adoption financing. We have been recognized by some of the biggest adoption organizations for our work to end the need for adoption and foster care crisis.
Adoption Loan Frequently Asked Questions

What is an Adoption Loan?

An adoption loan is a personal loan specifically for adoption expenses. To qualify you must meet certain eligibility requirements and provide adoption specific information. Upon approval the funds will be transferred to your bank account, freeing you to begin your adoption journey. Repayment will begin the following month.

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?

You can apply for an adoption loan at any time during your adoption journey. Once approved you have 90 days to accept the offer. However, it is important to understand the repayment timeline before accepting your loan offer.

How much does it cost to adopt a child?

On average it cost between $30,000 – $50,000 per adoption. International adoptions are often more expensive due to travel costs.

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.

What is an adoption grant?

America’s Christina Credit Union offers a $500 adoption grant up to 4 times per year. This grant is offered to members during their adoption journey. A member must submit an application to qualify.

1 – Adoption Loan Program: Loan subject to credit approval. Advertised “as low as” adoption loan 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. Loan funding fee of $50.00. For a $20,000 Adoption Loan with a 60-month term at 6.49% APR, the monthly payment will be approximately $391.00.

2 – APR = Annual Percentage Rate.

3 – Adoption LOC is 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 lowest rate. Current ACCU loans not eligible. Loan funding fee of $50.00. Maximum 24 months draw period. Adoption LOC is an unsecured line of credit with rates ranging from 7.99%–14.99% 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.

4 – APR = Annual Percentage Rate. Loans subject to credit approval. Not all applicants will qualify. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. A maximum rate discount of 0.50% for ACH/automatic payment from a America’s Christian Credit Union checking account. There is a $50.00 loan funding fee. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. Used vehicles are subject to Kelly Blue Book valuation.

5 – This HELOC (Home Equity Line of Credit) is a variable rate plan as described in the applicable loan documents. Not all applicants will qualify. APR may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 3.25%. APR will not exceed 18.00%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.25% for ACH/automatic payment. Qualification and APR dependent on credit history, debt to income, loan-to-value, ability to repay, homeownership, and other factors. Maximum loan-to-value ratio is 70% for owner-occupied and 60% for non-owner occupied, based on appraisal value. Available to owner and non-owner occupied, single-family dwellings. Minimum advance is $5,000. $100 modification fee for existing loans to re-amortize and extend term to 20-year amortization. Dependent on state regulations: Prepayment Closure Fee: $400 if the loan balance is paid in full within the first 6 months, and $400 if the loan is closed and re-conveyed in full during the first 36 months. Property insurance is required. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. For a $50,000 Home Equity Line of Credit, Quarterly Adjustable, with 70% Loan to Value at 4.75% APR, the monthly payment will be approximately $262. There is a discount of 0.25% applies to automatic payments through an ACCU checking account or external account for the life of the loan. If automatic payments are stopped, the discount will not apply. Discount will apply after introductory period. HELOC product is not available in Texas.

All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply.