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Loan Options to Finance Your Adoption

Find out about adoption loans

Adoption Loans

We work with Lightstream & Prosper to provide adoption loans for families to finance their adoptions.


Lifesong for Orphans- offers interest-free loans. Visit their website at for more information.

ABBA Fund- Requires references that should include your Pastor, an employer/co-worker and friend. Visit their website at to apply.

National Adoption Foundation- You do not need be working with a certain adoption agency or be of a specific religious sect. To access their loan application, you must make an online donation:

Home Equity Loan/Line
If you own a home and you've got equity in it, you can look into one of the many equity credit options available to you. Taking advantage of your home's equity to build your family is just one of the many ways you can realize your dream of adopting.

Credit Cards
Using the credit you have available on your credit cards is another option for funding your adoption. If you have good payment history as well as a good credit score, you could contact your credit card company about any options they may have available, like lower interest rates.

Unsecured Line of Credit

Many credit lenders extend Unsecured Lines of Credit. This type of loan is typically based on your creditworthiness and requires exceptional credit in order to qualify.

401 K
Many 401k’s have a loan provision in them where you can borrow a certain percentage of your vested account balance. Check your Summary Plan Description or ask the 401k designated Plan Administrator if the plan allows for loans and how much you could borrow.  The nice thing about this is you pay yourself back with a reasonable rate of interest rather than paying it to a credit card company or bank.


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