How to Pay for Adoptions with Adoption Loans

Unless prospective parents have saved up a hefty sum in anticipation of adoption costs, financing all of the big (and small) expenses can be tricky. Luckily, adoption loans are easy to apply for and can offer great terms based on a variety of factors.

Qualifying factors for your adoption loan include:

  • Credit history
  • Savings
  • Assets & liabilities

Depending on your needs, you can secure a loan for adoption financial assistance anywhere from $5,000 to $100,000, and the loan can be used toward any number of expenses related to adoption.

Get Adoption Financing With a Loan From LightStream

Get a special 0.25% interest rate discount* when you apply through our link!

Apply at

Finance Everything Related to Adoption

With good credit, you may qualify for a low-interest, fixed-rate loan you can use to finance all your adoption-related expenses. With LightStream’s simple adoption loan process, you can choose your loan amount, terms, and funding date all through a quick online process.

Straightforward and private.

A transparent process with no surprises. LightStream is the easy and convenient way to secure adoption financial assistance.

A refreshingly simple adoption loan process.

Apply from your smartphone, tablet, or computer, and get a low rate on a virtual paperless loan.

  • Adoption loan amounts from $5,000 to $100,000
  • NO collateral
  • NO fees or prepayment penalties
  • NO appraisals or home equity requirements

Other Providers of Adoption Loans

Are you looking to shop around? There are many providers for adoption loans, each offering its own terms and rates. As a prospective parent, it’s best to consider all of your options and choose the one that works best for you. When calculating how to pay for an adoption, consider these loan providers:

  • Personal Bank: For prospective parents with a trusted local bank, this can be a great avenue for an adoption loan. With strong credit, banks can offer some of the best rates on loans and often come with perks for existing customers.
  • Credit Union: Whereas banks are for-profit institutions, credit unions are member-owned and not-for-profit. Along with offering lower interest rates, many credit unions have lower fees than banks as well. If you’re a credit union member, this can be a great avenue for adoption financing.
  • Online Borrowers: Many online institutions are willing to offer adoption loans. Terms and services may vary, but the convenience of these loan providers is that the entire process can be completed through an online application. Before finalizing your adoption loan, prospective parents can see pre-qualified rates and gauge how much monthly payments will be, as well as shop around. As an added perk, adoptive parents who apply for adoption financing from using our special link can receive a special 0.25% interest rate discount*.

Can I Pay For an Adoption With Credit Cards?

Some adoptive parents may consider credit cards to help pay for their adoption costs. While convenient and often paired with rewards and incentives from card companies, credit cards typically carry a higher interest rate than other loans.

If you have any questions about securing adoption financial assistance or applying for a loan, it’s always a good idea to consult with a financial planner. Along with offering guidance, financial professionals can help explain the terms of adoption loans and provide assistance in calculating how to cover expenses.

All loans are subject to credit approval by LightStream.

*Discount of .25 percentage point is for a new LightStream loan. Borrower must apply directly through the link provided on this page, and with cookies activated on their browser, in order for this offer to be tracked and valid.

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