Help with Financing Your Adoption

Expand your family with easy, stress-free financing.

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

Congratulations on taking the next step to grow your family! LightStream, the nation’s premier online consumer lender and a division of SunTrust Bank, can help you overcome financial hurdles you may face. Whether you’re interested in adopting, surrogacy or IVF, LightStream can help good credit customers finance with a simple process, low rates and no fees.

Funds for the entire adoption process

When you finance with LightStream, your funds can be used for all expenses associated with an adoption, such as home evaluation costs, legal fees, medical expenses and even travel.

So easy that it’s a welcome relief

The adoption process can be stressful. That’s why LightStream’s uncomplicated process is designed to be quick, easy and convenient for you. The simple online application takes minutes and you decide when you’d like to receive your funds. It’s that easy!

Straightforward and private

LightStream’s loan is designed to be a transparent process with no surprises, no fees and no prepayment penalties. It’s the easy and convenient way to fund your adoption.

Low rates (guaranteed)

Welcoming a new family member doesn’t have to drain your bank account. LightStream’s adoption loans are from $5,000 to $100,000 with flexible terms and a fixed-rate. Their low rates are even backed by their Rate Beat Program, so you can be extra confident you’re getting the best rate.

The process is easier and faster than you can imagine!


Click below to apply. You will receive a response shortly during business hours.


Complete LightStream loan application; watch your email for updates.


Funds are deposited directly into your bank account. Complete your project!

Apply below with LightStream’s hassle-free, online application.
Use their monthly payment calculator to make it easy to find the best rate and terms for you.


Plant Tree

LightStream plants a tree with every loan. Your loan makes a difference!

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay may be higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

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