Adoption Loan is subject to normal credit approval. Rate based on credit qualifications. Rates and terms subject to change. Maximum 24 months draw period. Adoption Loan is an unsecured line of credit with rates ranging from 5.99%-7.99%APR. Minimum payment of $100 or 1.5% of highest balance after last advance, whichever is greater. Disbursement of funds will be controlled as expenses are approved. Line of credit advances must be approved by Firefly and can only be used for approved purposes in relation to the adoption expense. Welcome gift amount is based on loan amount and will be disbursed upon repayment of loan.