Loans Facebook Cover Supporting Your Ministry Needs with LCEF Lending


LCMS-rostered church workers can apply for residential, home equity, and debt consolidation loans. (Not available in all states)

  • Residential Loans – We offer loans for home purchases and home refinancing for rostered church worker
  • Consolidation Loans – We offer personal financial management assistance and loans to consolidate debt into one monthly payment
  • Home Equity Loans – Our Home Equity loans for rostered church workers offer competitive and fixed interest rates for major purchases and renovations.
  • Pastoral Education Loans – LCEF’s educational loan repayment program will provide the needed financial assistance to support LCMS ordained ministers to successfully reduce their existing school debt.
  • LoanCare – LoanCare Servicing Center for access to existing Rostered Church Workers Residential Loans.
  • Disaster Response – A loan and building assistance program for rostered church workers in disaster situations.
  • State Disclosure – Check here for State Disclosure and LCEF contact information.

View the current loan rates for all LCEF Personal loans.


Tailored to your organization’s unique needs, interest paid helps other ministries fund other kingdom-building efforts. Finance a loan to purchase property, construct a new facility or renovate your existing facility. We also provide loans for seasonal borrowing, equipment replacement/repair and building improvements. LCEF helps congregations and schools weather the unexpected, helping ministries carry on with their goals even if cash is in short supply.


View the current loan rates for all LCEF Ministry loans.