Founded by a team with more than 60 years of experience in financial services, lending, and credit, JSF was created to fill a critical void by using a model that has proven extremely successful to help people pay for the major expenses in life: a home, car, and college education.
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The team asked a simple question: If these major life expenses are more often than not financed through a loan, why wouldn’t child care and early childhood education – an equally or more important expense and a big part of the family budget - be financed in the same manner. Learn More
Eligibility: Must be a resident of California or Colorado, and have a credit score of at least 650 if children attend a licensed care center. Other requirements apply. Interest rate varies based on credit.

Benefits to Families:

What Parents are Saying:

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"It's nice to pay what you want, have a bit more money each month, and pay off what you can at the end of the year."

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"Without this, I no longer would have been able to afford child care."

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"You are much, much needed."

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"Child care is our largest expense."

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"This allows me to pay for my child care after I get paid on the 15th which is great for my budget!"

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"Taking advantage of a better APR than our credit card is very appealing."

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"The cost of child care here in the Bay Area is the same as a rent payment."

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"This makes my life 1,000 times easier!"

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How the KidVantage Loan Works:

​Calculate how much KidVantage can lower your monthly payment!

  • Better than paying with a credit card
  • Dedicated line of credit used to pay for your child care expenses
  • No merchant processing fees paid by you or your center
  • No annual or hidden fees​
* Calculator provides an estimation only, assumes a promotion of no interest for the first 6 months with an interest rate thereafter of 6.9%, and assumes full utilization of your credit line over the designated months of use for the KidVantage loan product. Your interest rate will depend on credit. ​​

Quality Child Care and Early Education Have a Lasting Impact on Children
“A critical time to shape productivity is from birth to age five, when the brain develops rapidly to build the foundation of cognitive and character skills necessary for success in school, health, career and life. Early childhood education fosters cognitive skills along with attentiveness, motivation, self-control and sociability—the character skills that turn knowledge into know-how and people into productive citizens.”
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​- Nobel Memorial Prize Laureate Professor James Heckman, a recognized expert in the economics of human development
Features of Quality Care

Comparison of Child Care Payment Choices

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