| Key Benefits |
Not tied to collateral
Fixed payment each month instead of revolving line like a credit card
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Uses your Elements Certificate as collateral
Lower interest rate than many other conventional loans
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Tailored to each adoptive family’s specific needs
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| Overview |
Borrow up to $25,000
No pre-penalty payments
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Borrow up to the full amount of your Elements certificate at 2%1 above your current savings rate
No fees or Certificate early withdrawal penalties
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Range of $5,000-$25,000
Allows for extended draw period of 24 months
You can take multiple draws when funds are needed
Once the draw period is over, you can enjoy lower monthly payments as part of a fixed installment loan for up to 8 years
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| A Good Option If You |
Want a convenient way to purchase a large-ticket item you can’t buy with a credit card
Want to consolidate loans or pay off your credit cards
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Already have an Elements Certificate
Want to establish credit, allowing for future credit opportunities
Prefer a fixed monthly payment
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Don't want to drain savings or incurring credit card debt to pay adoption fees and related costs
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