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Bringing families together.

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Adoption Loans

Get adoption support & assistance to grow your family.

Cost can be an intimidating factor when choosing adoption but TruStone’s Adoption Loan can help cover up to 90% of  the many expenses associated with adoption.

Great Rates

Great Rates

Competitive rates as low

as 8.49% APR* 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.

TruStone works with a variety of accredited adoption agencies to bring you our Adoption Loan, which 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 TruStone, your family can benefit from additional features to help on your road to adoption:
  • Rates as low as 8.49% 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** - to be paid after the draw period ends (24 months)

Adoption Loans

APR as low as
Effective December 1, 2023
Adoption Loan 8.49% Term varies; ask for details

*Adoption Loan is subject to credit approval. TruStone partners with a variety of accredited adoption agencies - contact us for full agency qualification details. Rate based on credit qualifications and subject to change. Maximum 24 months draw period. Adoption Loan is an unsecured line of credit with rates ranging from 8.49%-10.49%APR. Subject to change. Minimum payment of $100 or 1.5% of highest balance after last advance, whichever is greater. Late payment fee of $20.00 will be charged to your account if you are 10 or more day(s) late in making a payment. Disbursement of funds will be controlled as expenses are approved. Line of credit advances must be approved by TruStone 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 after the draw period ends (24 months).

**Allow up to 30 days for funds to be deposited. Accounts closed within six months may forfeit funds. Recipient responsible for all applicable taxes. TruStone membership required.

  1. Begin your adoption process with our partner, Children's Home Society and Lutheran Social Service of Minnesota (CHLSS) or other accredited adoption agencies.
  2. Once you’ve submitted your adoption application with CHSLSS, feel free to contact TruStone 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?
TruStone’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 TruStone Adoption Loan?
Adoption Loan applicants must first complete an application with CHLSS or other accredited adoption agencies before applying for the Adoption Loan. 

If you’ve completed the application with CHLSS or another accredited adoption agency 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 or other accredited adoption agencies.

Does the Adoption Loan require any collateral?
No, TruStone’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. Though accounts closed within six month may foreit the welcome gift.

Looking for Adoption Loans?

TruStone 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.