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Adoption Loan

You can’t put a price on the happiness of adoption—but we can help you cover the costs.

Email to Request Information Call to Apply 1-800-621-2105

Adoption Loan

A loan tailored to your family’s needs.


  • Tailored to each adoptive family’s specific needs
  • Range of $5,000-$25,000
  • Allows for extended draw period of 24 months
  • You can take multiple draws when funds are needed
  • Once the draw period is over, you can enjoy lower monthly payments as part of a fixed installment loan for up to 8 years


  • You don't want to drain savings or incur credit card debt to pay adoption fees and related costs

Email to Request Information

Tell me more about an Adoption Loan...

If you’re starting the adoption process right now or just exploring the possibility, Elements will be here to offer you financial support for the expected and unexpected.

No one’s adoption story is the same, and no one’s costs are exactly the same. All costs and situations vary by individual adoption. No matter which type of adoption you choose and no matter what twists and turns your path takes, Elements Financial will be here to help you plan for the unexpected. The surprises that will come with adoption are what make your journey exciting. So don’t fear the unexpected. Instead, look to the end result: the new addition to your family!

You can tailor your loan to what you think you’ll need, with amounts ranging from $5,000 to $25,000. The loan has an extended draw period of 24 months, and we allow you to take multiple draws as you need the funds. Once the 24-month draw period has ended, you can take up to eight years to pay off the loan with fixed monthly payments.

Call to Get Started 1-800-621-2105

How do I access the funds?

Easily manage your loan activity with Online Banking and the Elements Mobile App. You can access funds in as little as one business day after your loan is finalized. The funds will be available in the Elements account of your choice or sent via check if you prefer.

Why should I go to Elements for my loan?

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

We pride ourselves in being a trusted source for financial education. We come to your workplace to answer questions and can provide you with a dedicated Mortgage Loan Originator1 to guide you through the entire mortgage process.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally2. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

Our technology makes banking with Elements easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Call to Get Started 1-800-621-2105

How do I apply?

Call us at 1-800-621-2105 to start your Adoption Loan application. An Elements representative will help you personalize your Adoption Loan to fit your family’s needs and let you know if you’ve been approved within two business days.

Call to Apply 1-800-621-2105

My wife and I were so excited when we found out about the adoption loan program at Elements. Without this program, we would've never been able to bring our new child, Brody, into our family!

- Mason E. | Member since 2014
  1. 1 Nationwide Mortgage Licensing System Registrants: Elements Financial FCU 410639, Shawn Adams 1969445, Charles Akinbola 1811812, Barbara L Allen 609733, Luis Aparicio 144043, Lindsey Badanek 724103, Cynthia Bell 427359, Nyla Bivens 1128100, Cassandra Bogaards 894545, Jamie Bonner 435395, Laura Bordenkecher 1590841, April Bratton 1169913, Dawn Michelle Bruce 899516, Julie Bowering 443400, Melissa Bullock 2122657, Tracee Buckrop 609727, Karla Chevrie 404630, Eliza Claborn 1826115, Christine Clark 609734, Tayjah Coyle 2082021, Mary Ann Deckard 1259646, Ashlie M Dew 539208, Curtis Neal Dodd 200259, Ron E Ellis Jr 1207645, Barbara Fey 489638, Kara Michelle Fischer 1469113, Tami Renee Forsythe 609730, Lenore Gallagher 975065, Sherry Gaw 988244, Emilee Goode 1776621, Robert Goodwin 975067, Quentin Girten 1919653, Abigail Hall 1469114, Mariah Hestand 1809685, Dial Holliday 1436039, Jennifer Hooker 1807696, Theresa Iaria 1128103, Kasey Jones 1942020, Christopher Kerr 143199, Andee Kettlebar 443776, Jill Kidwell 609731, Michele King 1759144, Sara Keedy 1512646, Sean Kiely 425511, Tara Nicole Lambert 883082, Teresa Ledford 444283, Cindy Leisure 1080329, Rebecca Littell 996455, Tyler Lonergan 2066084, Blake Luker 2007589, Kristy Mars 609725, Beverly Marshall 444941, Alexander J Menestrina 1190426, Beth Moberg 473454, Justin D Montour 1198316, Brooke Moss 1824059, Terri Mossbrucker 1385461, Kristina Mowery 916118, Amber D Murphy 1082684, Mallory Neill 1750269, Constance Nelson 975071, Micha Noble 1950136, Grace Nolan 1840818, Regina Norman 1080327, Clayton F Patterson 424532, Shaneka A Pedersen 426201, Meghan Pedigo 1601304, Janene Petree 1529353, Kyle Thomas Plumlee 1930758, Kim Purkhiser 1313210, Tania Query 608383, Rebecca Rice 1007612, Miranda Grace Renee Rizzo 1198315, Janai S Roberts 252636, Tim Sallee 1192774, Susan Roberts 975068, Carol Biale-Schroeder 1863399, Ryan Sebree 1866273, Ron Senci 1068152, Jessica Siegman-Bradford 1454706, Brad Smith 906855, Amy Lynn Stokes 1387213, Paulette Stull 1487007, Brent Tedford 1892880, Bradley Thompson 609732, Rhonda Weaver 2213627, Samantha White 1849420
  2. 2 Based on asset size as of 1/31/2020