LightStream Adoption Loans


Lifetime Adoption has worked with LightStream, a Division of SunTrust Bank, to offer a loan program specifically for parents who want to adopt.
Lightstream adoption loan logo
We encourage you to check out the LightStream Adoption Loan program. Their adoption loans offer adoption assistance financing programs to make it possible for you to realize your dream of adopting a baby or child. You can pay for any aspect of your adoption with a LightStream loan. The loan may be used to pay adoption professionals, to prepare your baby’s nursery, for adoption travel, and for birth mother expenses.

We’re eager to share LightStream’s affordable solution for couples hoping to adopt. Here are the details about LightStream’s Adoption Loan: 

  • Loan amounts from $5,000 and up to $100,000
  • Low, fixed rates
  • No loan origination fee
  • No late fees
  • Unsecured loan (you don’t need to use your home or other valuable assets as collateral)
  • Flexible terms
  • Simple online loan process from your application to loan funding
  • No prepayment fees (If you pay off your loan early, you won’t incur any additional fees.)

Apply for a LightStream Adoption Loan here!

LightStream wants to secure you a low-interest rate. To do so, they will beat any interest rate (APR) presented by any other lender by .10 percentage points. The other lender’s rate must meet the terms and conditions described here.

An adoption loan is a practical solution to help make your adoption affordable. When you adopt a child, there are adoption expenses that arise during the adoption process. Fortunately, there are methods of many types of adoption assistance and adoption benefits, such as adoption tax credits, adoption grants, and more. In reality, however, adoption grants can be limited or hard to get, especially if you are looking for funds at the last minute.  An adoption loan can be a reliable source of funding if needed.

Sometimes, we have worked with potential adoptive parents who tell us “We don’t want to get a loan for adoption.”  They would rather take time filling out grant applications and hoping other means come through than taking a part-time job or applying for a loan.  The reality is that many things in life require us to get help with funding — homes, cars, boats, vacations, even medical expenses such as infertility treatments.  Adoption is no different.  

Apply for your LightStream adoption loan today!

All lending services are provided by LightStream, a division of SunTrust Bank, and we may be compensated by LightStream through links on this site. 

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If you live outside of the United States, please click here.

“Hi everyone! I went to visit Scott and Carma at their home this weekend to complete a home study and I wanted to share how happy they are with Lifetime. Both Scott and Carma said from the moment they started the process with Lifetime, they felt welcomed and informed. They shared that everyone has been lovely and they feel like they are in good hands. This family is also listening well. Home study is in process and they are working on video and profiles which will be done very soon. To top it off they have listened to many of the webinars already and love the education component. So Kudos to team Lifetime for being all that we strive to be. Kind, informative and helpful.”



Mardie Caldwell



Funding Your Adoption



Called To Adoption



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Florida Seal of Approval   Florida Adoption Council Logo

Lifetime Adoption, Inc. is a Licensed Florida Child Placing Agency. (License #100084254)

National Council for Adoption seal

35 anniversary logo

Small Women Owned Business

Lifetime Adoption's BBB Accredited Business A+ rating

Lifetime Adoption Center is a BBB Accredited Business with an A+ rating


Copyright © | Lifetime Adoption

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