Do we need to pay adoption fees in cash?

Our adoption was private domestic and we were not looking to adopt so we didn't have anything saved. We took out a small personal loan to cover our cost but everything was spread out over several months so there was never a huge lump sum due at any one time.

Personally, I'd be afraid to pay anything about adoption in 'cash'. It's always good policy to make a document with it in the form of a check, (certified or personal) or, some people have paid adoption stuff with their credit card. Sincerely, Linny

By "cash" I'm thinking they mean money they actually have on hand -- rather than credit cards, loans, etc. LIke writing a check when the funds are already in your checking account. Some people in the financial industry (myself included) may refer to checks and other non-credit forms of payment as "cash". To the OP -- It's certainly fine to take out a loan or credit card for part or all of your adoption expenses. Just be sure you can pay it back timely -- the loan payments need to be able to fit into your post-baby budget. We took out a loan and used credit cards for most of our first adoption, which we will be paying off soon with the proceeds from selling our home at a profit. We are hoping that, for our second adoption in a few years, we can have most of the money saved. Don't forget to see if you qualify for the tax credit, too -- many people take out loans and then use the tax credit proceeds to pay off large portions of the loans.

You know.....I worked for awhile in a bank, doing everything but assuring loans. That's been a few years ago, but I swear, working there, teaching school, living for several years in the military and traveling/living in other parts of the world.....I've never heard of this, believe me! Cash was always cash.....cold and final, period. :) Thanks for educating me on this, for surely, I'd have never thought of that! Sincerely, Linny

We Had To Have A Cashiers Check In The Full Amount For The Placement To Take Place. We Did Take Out A Loan And Lots Of Friends And Family Members Donated To Help Cover The Expenses.