A Child Waits Foundation's Adoption Loan Program is designed to help families that require additional funding to complete their adoption.  Our goal is to provide financial assistance to families to help bring their children home. We do not believe a child should have to remain in an orphanage or foster care if there is a family who would welcome that child into their home but can't proceed with the adoption due to a lack of funding.  

International Adoption Loan Program

Eligibility Criteria

We accept applications from anyone adopting internationally, regardless of race, age,
ethnicity, religion, gender, marital status, sexual orientation or disability. 

Ability to Obtain Qualified Co-Signer

United States


Adopting Internationally

Financial Ability to Make Loan Payments

Current Gross Income less than $160,000

Credit without Serious Delinquency

The co-signer requirement may be waived if a family has excellent credit.

When to Apply

After you have: 

  • Chosen an Adoption Agency

  • Completed the Home Study

  • Identified a Co-signer - 

         The co-signer  requirement may be waived if  if a family has excellent credit.

Selection of Applicants

The selection of applicants Is based on the following factors:

  • ​Cost of the Adoption

  • Demonstrated Financial Need

  • Ability to Make Loan Payments

  • Credit Evaluation

Combined Grant and Loan Application


U.S. citizens adopting internationally may apply for both a loan and grant at the same time.  This process doesn't require a separate application, application fee or any additional paperwork and will not affect the applicant's ability to receive a grant.   When completing the documents for a loan, check the box on the Family and Adoption Information Form and your application will be considered for a grant in addition to a loan.

Qualified families would have the ability to be approved for $10,000 in total funding. For example if you apply for a $10,000 loan but are also awarded a $3000 grant, the maximum loan amount would be $7000.


Our Application Procedures

Our process is ongoing and applications are accepted at any time during the year.  There are no application deadlines to be met.

Ongoing Process

Submission to the Board

All applications are presented to the Board of Directors for their review and final decision.  Loan decisions and amounts are determined by our Board. 

Applications  Can Be Expedited

Under special circumstances, A Child Waits  can expedite the loan review process.  This often occurs when a travel date is received sooner than anticipated or when a medically expedient adoption is approved by the country.  

Adoption Delays

If your adoption is significantly delayed, updated forms and any new or additional information regarding your child will be requested when the adoption is able to proceed.


All loan applicants will be notified of the Board's decision whether approved or denied.   If the co-signer does not meet our criteria but you are eligible for a loan, we would give you the opportunity to secure a new co-signer.

Steps in the Application Process

Step 1: Preliminary Assessment

When an application is received, there will be a preliminary assessment to be sure that the application is complete, and that the applicants, the co-signer and the adoption meet our general criteria.

Step 2: Applicant and Cosigner Financial Assessment

The applicant's and the cosigner's information will be reviewed to ascertain if they meet the Foundation's financial qualifications to be considered for a loan. 

Step 3: Credit Checks

As part of the loan application process we will run credit reports through TransUnion, LLC to be sure the applicants and cosigner meet our credit requirements.

Step 4: Adoption Process Timeline

Since adoption timelines and each country's travel requirements are different we work with every family to determine the most appropriate time to present the application to the Board for a decision.  

Step 5: Adoption Status Updates

Close to your final travel date you will be contacted to clarify any remaining questions regarding your loan application or any changes that have occurred since application submission.  The Board will then review your application, make a decision and the family will be notified.  

Step 6: Board Decision and Funds Disbursement

Following notification from our Board of loan approval and after a family has a confirmed travel date funds will be disbursed.  

Our Funding Process


Adoption Expenses

Loan funds will be disbursed for qualified adoption expenses, including in-country and travel costs associated with bringing your child or children home.

How Loans are Paid

The loan funds will be sent directly to the family.

When Loans are Paid

Loans are sent near the end of the adoption process, when the family is ready to travel to bring their child home.  In some circumstances it may be possible to receive the loan funds sooner in the process.

Loan Amount and Terms

The loan amount is based on a number of factors, but the total help received from A Child Waits Foundation will not exceed $10,000. Our interest rate is fixed at 3% and families have up to 60 months to repay.

Funding Availability

Requests for financial assistance may outweigh resources, and we regret that A Child Waits Foundation may not be able to provide adoption aid to every qualified family.

Sample Loan Repayment Chart for Comparison Purposes

$10,000 Loan for 5 Years

Funding Source

Interest Rate

Principle Paid

Interest Paid

Monthly Payments

Total Interest

A Child Waits

Home Equity

Low Rate Credit Card

Personal Loan





















This chart is for the purpose of interest rate and monthly payment comparison.  It does not represent actual numbers from other lenders.

After You Are Home

A Child Waits Foundation requests a brief summary of your adoption and pictures after your child is home.   If the family gives written consent, A Child Waits Foundation may use your pictures and adoption summary, without last names, on our website or other publications. These pictures and stories may help other prospective families through the stressful process of adoption.  

International Loan Program FAQ's

1. Can I apply for a loan if I don't have a child's referral?

Yes, we will accept an application without a child's referral. When we receive the application we will contact you to conduct a preliminary review and then request periodic updates as you await your referral. After you have accepted a referral and we have received the child's information we will present your application to our Board for a final decision.

4. Can I apply for a loan after I have traveled to bring my child home?

No, new applications will not be accepted after the adoption is complete and the child has been brought home.

2. If I apply for a loan and lose my referral, what happens to my application?

We will hold your application until you receive another referral but you may need to update some of your information and we will request that you send a picture and medical information for the new referral.

12. If I am approved for a loan, how will the loan be paid?

The loan check will be sent directly to the applicant close to the date of final travel. In some circumstances, part of the loan funds can be dispersed earlier in the process, reserving the remaining part of the loan to help with the final expenses of bringing your child home.

3. If I have already paid most of my adoption fees, can I still apply for a loan?

Yes, if all agency and program fees have already been paid, A Child Waits can help with the final travel costs to bring your child home.

5. If I make more than $160,000 can I apply for a loan?

We will only consider families with an income over $160,000 if we have spoken with the family and determined there are extenuating circumstances. Please do not apply without calling our Foundation to be certain that we are able to accept your application.

6. What are the credit requirements for applying for a loan?

As part of our loan application process, we will run a credit report to get information on the applicant's ability to manage their credit and other existing debt. We recommend that families who have had difficulty with their credit in the past to give us a call before applying. To improve an applicant's chances of being approved for a loan, please ensure your co-signer has excellent credit. Additionally, if your credit score is 750 or higher, the requirement for a co-signer may be waived.

8. Will my loan be denied if my co-signer doesn't meet the criteria?

No, if the co-signer does not meet our criteria, we will give the applicants an opportunity to secure a different co-signer in order to proceed with the application.

11. What are the terms on a loan with A Child Waits Foundation?

The maximum loan amount is $10,000. Applicants make monthly payments to the Foundation with the first payment due 30 days after the disbursement of loan funds. The interest rate is a fixed rate of 3% and applicants have up to five years to repay the loan. Families can pay their loan off early if they choose and there are no fees or pre-payment penalties.

7. What are the co-signer requirements?

The co-signer should have excellent credit and demonstrate the ability to repay the loan if it becomes necessary. The co-signer must have his or her notarized signature on the promissory note, submit a copy of their most recent tax return and sign the release form that allows A Child Waits to run a credit check. Other than the credit check on the co-signer's credit report, the co-signer's credit will not be affected by being a co-signer on the loan. For confidentiality purposes, co-signers may send their documents directly to the Foundation.

9. If I am married, can my spouse be my co-signer?

No, spouses are co-applicants and not considered as co-signers.

10. If I have excellent credit do I still need a co-signer?

We will consider waiving the co-signer requirement for adoptive families with a credit score of 750 or better. Please call the Foundation before applying. Since we are a non-profit charitable foundation and all repaid loans enable us to help more families, we are unable to waive this requirement for applicants with lower credit scores.