Reimbursement is made only after the adoption is finalized and only if the adoption was done through a state adoption agency or a non-profit private agency. While it is far from ideal to borrow money for an adoption, adoptive families may find a loan necessary to cover the large and immediate expenses. In some cases, you may be able to pay the loan back quickly once you receive a tax credit or are reimbursed by your employer or the military. Interest rates often are reasonable and the interest is tax deductible. You may be able to borrow from the cash value of your life insurance policy.
Some banks offer low-interest loans or credit lines for adoptive parents.
Credit cards are an easy source of cash, but typically charge high interest rates.