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How to Use a Personal Loan for Adoption Costs Adoption can bring immeasurable joy but also significant expenses—home studies, agency fees, travel, and legal costs. A personal loan can cover these upfront costs with predictable payments and let you focus on growing your family. In this guide, we’ll show you how to estimate adoption expenses, compare loan options, and plan repayments so you can welcome your child without financial stress. Table of Contents 1. Estimate Your Adoption Costs 2. Determine Your Loan Amount 3. Compare Loan Offers 4. Prepare Your Application 5. Plan Your Repayment Strategy 1. Estimate Your Adoption Costs Gather detailed estimates for agency or attorney fees, home study, travel and lodging, court costs, and post-placement visits. Add a 10–15% buffer for unexpected expenses or additional travel. 2. Determine Your Loan Amount Total your estimates plus buffer to select a precise loan target. Borrow only what you need to avoid interest o...