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.
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.
