Ministry Real Estate Loan Options
Purchase
Ready to move from a rented space or purchase a new building that meets the growing needs of your congregation? We’re here to help you finance the purchase of church property, ministry facilities, and/or for future development.
Construction
Whether you’re planning a new building project, expansion, or a major construction initiative, our experienced ministry lending specialists will guide you every step of the way.
Remodel
Remodeling your current space or planning a much-needed addition? We offer loans designed for facility upgrades, renovations, or expansions that support growing ministry needs.
Refinance
Want to save money? Refinance your existing church mortgage to reduce payments or adjust loan terms—we’ve helped hundreds of ministries put more of their money to work fulfilling their mission.
Ministry Loans
as low as 5.60%*
Funded Over
$1 Billion
Ministry Real
Estate Loans
5,600+ Shared
Branches
Nationwide
Why Ministries Choose AdelFi
For decades, AdelFi has partnered with churches and Christian organizations seeking financing solutions aligned with their mission. As a member-owned Christian credit union, AdelFi focuses on serving ministries rather than outside shareholders.
AdelFi has funded over $1 billion in ministry loans, helping churches expand facilities, support outreach programs, and serve their communities more effectively. Ministry lending specialists understand church governance structures, seasonal giving patterns, and nonprofit financial management.
Member deposits also help fund loans to other churches and ministries, allowing Christian organizations to support one another through faith-based banking.
Explore other Ministry Loan Options
Ministry Lines of Credit
Flexible funding for short-term ministry expenses.
Ministry Share Secured Loans
Borrowing secured by ministry savings.
Ministry Term Loans
Fixed-term financing for ministry projects and purchases.
FAQs
You’ll need at least the last three years of financial statements. This includes Income statements and balance sheets. You’ll also need to include current year-to-date financials. These documents help us to prequalify a church for a loan.
It’s also a good idea to include the articles of incorporation and/or bylaws. These documents can help your ministry qualify for membership. If these documents look good, then we’ll need a complete application package from you. Here are some tips to help you get started.
Contact our Ministry Expert Team!
Want to get started with a Ministry account or have questions? Please complete the form below and a team member will get back to you shortly.
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Terms & Conditions
*Rates, terms and conditions are effective 05/28/2026 and are subject to change or discontinue at any time and without notice. Loan approval subject to credit, income, property appraisal and qualifications. Not all will qualify. Costs may be associated with this loan. Offer not valid on current AdelFi loans. Membership required.