Adoption Loans

401(k) Loans – Adoptive parents may borrow against their retirement account to pay for adoption. Many companies allow you to borrow up to 50% of the account value

A Child Waits Foundation    www.achildwaits.org
This is a non-profit organization that provides low interest loans.

APFUSA   www.apfusa.com
A loan processing company for adoptive parents.

Child Adoption Funds   www.childadoptionfunds.org
They assist families in setting up an individual foundation that can provide tax deductions to those that contribute.

Hebrew Free Loan Association   www.hflasf.org
They offer no interest loans to people of Jewish faith in Northern California for adoption.

AFFUSA, A loan processing company-the AFFUSA offer loan locating programs for medical, legal, adoption expenses. For more info visit their website at : www.apfusa.com

First Again- provides loans ro cover the cost od adoption at low interest rates for families with good credit. the application process is simple and fast. For more info visit their website att: www.firstagain.com

 Home Equity Loans (secured)

Parents of adoptive children who own their home and have equity may be able to obtain a loan to pay for their adoption.

Jewish Free Loan Association  www.jfla.org
This association offers no interest loans to people of Jewish faith in the Los Angeles area.

MBNA   www.mbna.com
You may apply online. Interest rates for your loan are variable based on credit history.

Oxford Adoption Foundation   www.oxfordadoption.com
The Oxford Foundation offers no interest or low interest loans for adoptions.

The Abba Fund  www.abbafund.org
They help families through interest-free covenant loans.

Family Legacies- interest free adoption loans   www.familylegacies.us

Life Song- which used to be Life International- adoption loans/matching grants http://www.lifesongfororphans.org/adGrantLoans.html

Other Adoption Loans (unsecured)

Check with banks, credit unions, organizations, and private foundations who offer loans specifically for adoptions. These loans typically have lower interest rates and well as shorter repayment terms than standard loans.