What these tools are, and what they are not.
The calculators and lessons here are built to teach and to estimate. Read this before you lean on a number for a real decision.
Effective 1 June 2026
Educational estimates only
Everything on this site is for general educational and informational purposes. The calculators return estimates based on the figures you enter and on standard lending formulas. They are a starting point for understanding, not a final answer for your church.
Independent, and not affiliated with any lender
Church Loan Tools is independent. It is not a lender or a broker, and it is not associated with, sponsored by, endorsed by, or paid by any lender. We have no stake in whether or where your church borrows. Seek professional advice before making any financial decision.
Not professional advice
Nothing here is financial, legal, tax, accounting, or investment advice, and using the site does not create any advisory, fiduciary, or client relationship. Your situation is specific to your church, and only a qualified professional who can review it should guide your decision.
Not a loan offer
These tools are not a loan offer, a commitment or pre approval to lend, a quote, or a guarantee of any rate or term. We are not your lender. Real loan terms come only from a lender who underwrites your church directly.
Why your real terms will differ
Actual lending involves details these tools do not capture: underwriting standards, fees and closing costs, covenants, appraisal and collateral, your church's full financial picture, and current market rates. Treat the estimates as a way to ask better questions, not as the terms you will receive.
Take these numbers to a professional
When it is time to borrow, bring your results to a qualified lender and advisor who can look at your full situation. You will walk in as the most prepared person in the room, which is exactly the point.