Adoption Financing—
Angel Adoption

Most families with fair to excellent credit (620+ FICO) are eligible. Terms vary based on creditworthiness, income, and adoption type (domestic).

Rates range from 6–15% APR, depending on credit. Our partners offer lower rates than credit cards (often 20%+).

Some lenders offer $0 down options. Others may require 5–10% of the total loan amount at signing.

Yes! You can make penalty-free early repayments and save on interest.

You can use the $17,280 federal tax credit to repay your loan or offset costs. We’ll connect you with adoption-tax specialists.

No! We use a soft credit check for pre-approval, which doesn’t impact your score. A hard pull only occurs if you accept a lender’s formal offer.

Loans start at $5,000 and go up to $50,000, covering agency fees, legal costs, travel, and more.

Most families receive approval within 24 hours and funds in 3–7 business days after signing.

We’ll help you improve eligibility (e.g., credit coaching) or explore grants/subsidies. Reapply in 6–12 months.