Church Improvement Program and Loan

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.
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Helpful Documents

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The Church Improvement Program and 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.