Adoption Financing—Private Child Adoption Agency
How Adoption Financing Works
Apply Online
Complete our 2-minute form—no credit score impact.
Receive personalized terms from our lending partners.
Start Your Adoption
Begin working with Angel Adoption immediately after approval.
The Only Adoption Agency That Helps You Finance Your Dream
Avoid High-Interest Debt
Skip credit cards with 20%+ APR—our rates are adoption-friendly.
Protect Your Savings
Keep your emergency fund intact while growing your family.
Maximize Tax Benefits
Spread costs to optimize the $17,280 Federal Adoption Tax Credit.
A Better Way to Fund Adoption
Feature | Angel Financing | Personal Loan | Credit Card |
|---|---|---|---|
Credit Check | Soft Pull | Hard Pull ❌ | N/A |
Low APR | Yes | Higher ❌ | Very High ❌ |
Start Fast | 24 Hours | 1-2 Weeks ❌ |
TOP 9 FAQS ABOUT ADOPTION FINANCING
Who qualifies for adoption financing?
Most families with fair to excellent credit (620+ FICO) are eligible. Terms vary based on creditworthiness, income, and adoption type (domestic).
Will checking my eligibility hurt my credit score?
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.
What’s the typical interest rate?
Rates range from 6–15% APR, depending on credit. Our partners offer lower rates than credit cards (often 20%+).
How much can I borrow?
Loans start at $5,000 and go up to $50,000, covering agency fees, legal costs, travel, and more.
How fast can I get funds?
Most families receive approval within 24 hours and funds in 3–7 business days after signing.
How does this work with the adoption tax credit?
You can use the $17,280 federal tax credit to repay your loan or offset costs. We’ll connect you with adoption-tax specialists.
Ready to Start Your Adoption Journey?
Complete our agency application first, and we’ll guide you through financing options together.