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Adoption Loans

Get adoption support & assistance to grow your family.

Cost can be an intimidating factor when choosing adoption but if you’re approved through the Children’s Home Society and Lutheran Social Service of Minnesota, Firefly’s Adoption Loan can help cover many of the expenses associated with adoption.

Great Rates

Great Rates

Save money while getting the funds you need to grow your family.
Flexible Terms

Flexible Terms

Find a repayment option that works best for your family.
Welcome Gift

Welcome Gift

We’ll welcome your newest family member with a deposit up to $500.
Easy, Simple Application

Easy, Simple Application

Easily apply for an adoption loan with a quick closing process

Start growing your family.

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Firefly is here to help you afford adoption. Our Adoption Loan is an unsecured, fixed-rate line of credit that can be used to fund up to 90% adoption expenses. Upon approval, you will have 24 months to access the funds and your repayment period will begin after your first use of funds. If, and when, you need additional funds to cover adoption expenses, simply give us a call.

With an Adoption Loan from Firefly, your family can benefit from additional features to help on your road to adoption:
  • Rates as low as 5.99%APR
  • No collateral requirements
  • No hidden fees or prepayment penalties
  • Flexible and affordable payment plans so you can find an option that best fits your needs
  • Funds can be issued directly to the adoption agency, if necessary, for your convenience
  • Up to $500 welcome gift for adoptive family

Adoption Loans

APR as low as
Effective July 11, 2018
Adoption Loan 5.99% Term varies; ask for details

Adoption Loan is subject to normal credit approval. Rate based on credit qualifications and assumes auto-pay relationship. 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 to adoptive family upon repayment of loan.

  1. Begin your adoption process with our partner, CHSLSS
  2. Once you’ve submitted your adoption application with CHSLSS, feel free to contact Firefly to get your Adoption Loan application started. However, you must complete the home study process before the loan will be finalized. 
What is the Adoption Loan?
Firefly’s Adoption Loan is a financing option available for families who are going through the adoption process with our partner, Children's Home Society and Lutheran Social Service of Minnesota (CHLSS)

How do I apply for a Firefly Adoption Loan?
Adoption Loan applicants must first complete the application with CHLSS before applying for the Adoption Loan. 

If you’ve completed the application with CHLSS and are approved, please contact us to get started on your adoption loan. Note - loan will not be finalized until the home study process has been completed. 

What expenses does the Adoption Loan cover?
Adoption Loan funds can be used to fund up to 90% of travel expenses, legal fees, medical fees, counseling fees and other fees associated with adoption as approved by CHLSS.

Does the Adoption Loan require any collateral?
No, Firefly’s Adoption Loan does not require any collateral.

What is the maximum repayment term for the Adoption Loan?
The maximum repayment term is 89 months for the Adoption Loan and is based on your rate.

Is there a penalty for prepayment or paying off the Adoption Loan early?
No, there is no penalty for prepayment or paying it off early.

Adoption Loan is subject to normal credit approval. Rate based on credit qualifications and assumes auto-pay relationship. 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.

Looking for Adoption Loans in MN?

Firefly provides affordable, low-interest adoption loans so you can grow your family. Our Adoption Loans are structured to give you financial support you need to make your dreams come true without high interest rates.