LOANS Your church has a future It has potential for growth and an opportunity to reach deep into your community with the Gospel. What better feeling to know that your ministry is playing a part in God’s redemptive work—a dream you’ve always nurtured.

But there’s just one problem—your church is in desperate need of repair or upgrade.

Church improvement loans are limited to LCMS congregations and include:

  • Maximum 10-year term
  • Up to $150,000
  • 24 months at Cost of Funds (COF) adjusted annually
  • LCEF COF plus up to 2.5% adjusted annually for remaining term
  • Payments fully amortized over term

Church improvement loans can be used on:

  • Critical repairs that can lead to substantial damage and cost if not fixed in a timely manner.
  • Upgrades that enhance your church’s appearance and comfort.
  • Projects that improve energy efficiency and save money in the long term.

Let us show you how we can help

The Church Improvement Loan is designed to help churches fund critical church repairs and upgrades.

Contact your District Vice President (DVP) who can help you explore the LCEF Church Improvement Loan. Or you can take a brief assessment now.