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Loan Programs

God is still building, and we’re here to help.

The United Church of Christ Church Building & Loan Fund’s loan programs assist new and renewing congregations with the following loan programs:

Site-Purchase Loans

Site-purchase loans are for the purchase of a first-unit church building site. A down payment of 30 percent of the appraised value or cost (whichever is lower) is required. Any loan balance will be rewritten as part of a construction loan within five years of origination. Loan terms are subject to change. Apply now!

Construction Loans

Construction loans are for the construction of a first-unit church building. The loan term is 20-30 years with a fixed interest rate. Equity requirement is a minimum of 30 percent. Loan terms are subject to change. Apply now!

Building Purchase Loans

Building purchase loans are for the purchase of an existing building. A down payment of 20 percent of the appraised value or cost (whichever is lower) is required, and the loan term is 20-30 years. The interest rate is fixed. Loan terms are subject to change. Apply now!


Refinancing is available for existing church building loans. Rates and terms are similar to building- and site-purchase loans and are negotiated on a case-by-case basis. Contact us for more information.

Small Loans

Loans of up to $100,000 are available with a down payment of 10 percent of the loan amount. Loan terms are 5 to 10 years, and interest rates are 4.50 percent to 4.875 percent, according to the ability to repay and the purpose of funding. Loan amounts, rates and terms are subject to change. Apply now!

Disaster Recovery Loans

Low-interest loans are offered for post-disaster rebuilding. Financing up to $1 million is available to repair or replace disaster-damaged property owned by a United Church of Christ congregation or any Christian church regardless of denomination or religious affiliation. Church leaders must demonstrate that the congregation has a vibrant, active membership, strong community engagement and the ability to repay all loans. Contact us for more information.

Church Building Energy and Environmental Loan Program

The Energy and Environmental Loan program provides low-cost financing for capital projects that increase energy efficiency or reduce the environmental impact of a church building. A church may apply for up to $100,000 in financing for energy-efficient lighting, upgraded HVAC systems, energy-efficient windows, insulation, water heating systems, boilers, wiring, switches and other electrical infrastructure, permeable pavement systems, bioswale installations, geothermal systems, solar panels, wind power and other renewable energy systems. Contact us for more information.

Balance Sheet and Income and Expense Report

Borrowers are required to submit yearly financial reports. The balance sheet and income and expense report can be downloaded here.