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Frequently Asked Questions:
Adoption Loans & Financing

What interest rates are available for adoption loans?

Interest rates are dependent on your credit score. A high score will qualify you for a low interest adoption loan. However, even if your score is less than perfect, AdoptionLender™ can help you get a fair interest rate. Checking Your Rate Will Not Affect Your Credit Score »

What repayment terms are available for adoption loans?

AdoptionLender™ provides access to adoption loans with 1, 3, or 5 year repayment plans with no early payment penalties.

Can I get an adoption loan with bad credit?

If you have a poor credit score, you will likely pay a higher interest rate on your adoption loan, but you are still eligible to apply for financing through AdoptionLender™. Our mission is to provide all applicants with the best interest rate possible for their current credit situation. Checking Your Rate Now Won't Hurt Your Credit Score! »

How does a personal loan for adoption work?

Applying for a personal loan for adoption is simple. Once you estimate your adoption expenses, complete the online application and check your rate. If you decide to accept an adopton loan offer, the proceeds of the loan will be transferred to your bank account, freeing you to begin your adoption journey.

Is the loan application process secure?

Yes, the loan application is secure. Your sensitive information remains safe and confidential.

How much does it cost to adopt a child?

The United States Department of Health and Human Services estimated an adoptive parent can spend up to $40,000 in legal fees, travel costs, and/or health expenses.

What is an adoption grant?

Adoption grants are awarded by the U.S. government and non-profit organizations to anyone looking to adopt a child. Try searching for grants that are specific to your situation. For example, if you are wanting to adopt a Chilean child, look for a non-profit organization whose mission is child wellfare interests in Chile and find if they offer grants.

Is it possible to adopt a baby for free?

Yes, you can adopt a baby for close to free in rare circumstances. However, children aged 2-17 are more easily adopted. There are thousands of children aged 2-17 living in foster care waiting for adoptive parents. If you are willing to adopt a child instead of an infant, your costs will be significantly reduced.

What financial incentives are available to adoptive parents?

There is a federal tax credit of up to $12,970 per adopted child (IRS – 2013). Also, many employers offer paid leave to adoptive parents, and possible reimbursement for a portion of adoption costs. Make sure to check with your employer's HR department.

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