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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

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Or call 1-800-621-2105

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Adoption Loan


  • Tailored to each adoptive family’s specific needs
  • Allows you to pay adoption fees and related costs without draining savings or incurring credit card debt


  • 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


Our experienced, helpful member service team is ready to support you!


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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; look to the end result: the new addition to your family!


Online and Mobile Banking


Easily manage your Adoption Loan activity with Online Banking and the Elements Mobile App. Enjoy the same interface on your smartphone, tablet, laptop, and desktop while continuing with the security, features, and conveniences you've come to expect from Elements. Our goal with online banking is simple — to provide you with a state-of-the-art digital banking experience that you can count on and is consistent cross all your devices.

How to Get Started


Simply call 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 2 business days.