X
America's Christian CU
America's Christian Credit Union

Adoption Loans

Your call to adoption is the heart of the Gospel

Start Your Adoption Journey Today!

Fill out the form below to get started on your membership application.

Today's Rate - Valid 07/23/2024
Adoption Loans
As Low As
7.99%
APR1

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, walk you through our personalized loan process tailored to your adoption journey.

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 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.

Adoption Loan Process¹
Submit Application
Schedule ConsultationA
Establish MembershipB
Upload DocumentsC
Disburse FundsD


A - To discuss specific needs related to your adoption situation, credit worthiness, and funding requirements.
B - If approved and not already a member, then you must establish membership before any funds are disbursed.
C - This is a special purpose loan and certain documentation including a home study may be required for proof of use of funds.
D - Funds are generally issued directly to the adoption agency or upon proof of use of funds.
Adoption Line of Credit⁴

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.

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 since 2009. 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 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.

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 timely. 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/Attorney Retainer Contract
4. Letter of Intent (a short letter signed by you explaining the use of funds)

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 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 $75.00. For a $20,000 Adoption Loan with a 60-month term at 7.99% APR, the monthly payment will be approximately $391.00. For a $30,000 Adoption Loan with a 84-month term at 9.99% APR, the monthly payment with be approximately $475.00. Auto Equity Loan: For example, a $30,000 loan with a term of 36 months at 5.49% is approximately $30.19 per month per $1,000 borrowed; 84 months at 6.74% is approximately $14.97 per month per $1,000 borrowed. Actual payment will vary based on the total amount financed.

2 – APR = Annual Percentage Rate.

3 – Minimum loan amount is $500 for terms up to 60 months; $15,000 for terms between 61-72 months; $25,000 for terms between 73-84 months.

4 – Adoption Line of Credit 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 $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.

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