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Find the church loan you need with competitive rates from DCEF.

Disciples Church Extension Fund helps you find the financing you need to support your next church project. With the help of Disciples investors, DCEF provides church loans at competitive rates to help you build, repair, renovate or refresh your facilities—all for the benefit of your ministry. And, because we have a deep understanding of church culture and history, we can help you in ways that other financial institutions like banks just can’t. Our mission is to be your partner in ministry with church loans, refinancing options and more.

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DCEF provides loans and other financial insight when you need it most.

Renovation

Renovation

Thinking about renovating or remodeling your existing facilities? See how our competitive loans can help you create a space that works for your ministry.

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altProperty/Building Purchase

Property/Building Purchase

Ready to build your first church, purchase an existing one, or buy more property? Let one of our advisors help you secure a loan with a competitive interest rate.

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Repurpose

Repurpose

Are you finding new partners for innovative community ministry? Learn how a loan can help fund your repurposing project.

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Refinancing Local

Refinance

Looking to refinance an existing local loan and get a more competitive interest rate? Talk to one of our advisors today about our refinancing options.

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Construction

Construction

Does your congregation need a new worship space? Find out if you qualify for a loan to help your building grow with your ministry.

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Special Projects

Special Projects

Need funding for a special project, large or small? Find out how our loans can help vibrant ministries meet unique needs.

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What is the application process for a DCEF loan?

Follow these five simple steps to apply for and receive a Disciples Church Extension Fund loan.

  1. Contact: Jumpstart the loan process today by contacting a DCEF advisor who will work with you to gather the necessary information. Then, your advisor will send you a loan application and proposed loan terms.
  2. Application: Return your completed loan application along with the required documents. If you qualify, your DCEF advisor will submit the loan package for approval.
  3. Loan review/approval: The DCEF loan committee reviews and approves loan packages every week. Your advisor will notify you once your loan is approved. Please note that high-risk loans or loans for more than $1.5 million require additional approval that will extend the timeline.
  4. Additional documentation: In preparation for disbursement, your DCEF loan processor will request any outstanding documentation, such as title work and property value. Once this information is received, your loan processor will prepare your loan documents.
  5. Disbursement: Once the appropriate documents are signed and recorded, you’ll start receiving your loan funds.

Who can apply for a Disciples Church Extension Fund loan?

Applying for a Disciples Church Extension Fund loan is easy. We invite you to complete our simple loan application process if you represent a:

  • Disciples congregation
  • Disciples Region or Area
  • Disciples general ministry or the General Assembly
  • Disciples college or seminary
  • Church of Christ-Disciples of Christ
  • Stone-Campbell tradition church
  • Church listed in the Christian Church (Disciples of Christ) Year Book and Directory
  • Disciples congregation in Puerto Rico and your congregation is listed in the Annual Report

Have questions about DCEF loans? Let us help.

Contact an advisor today

Hear from our congregations

Bob Brown, Raymore CC, Raymore, MO

“I have found Disciples Church Extension Fund to be the MOST accommodating lender a borrower could ask for! They helped us structure a successful capital campaign, restructure the terms of the loan during a difficult time, and have ALWAYS offered us the lowest interest rate possible.”

Bob Brown
Raymore CC, Raymore, MO

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