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

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.

Elements is proud to offer Adoption Loans without any fees for families looking to grow.

Call to Apply 1-800-621-2105

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 on 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 5% 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

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