JUMP START FINANCE
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Loans for Child Care
and ​Early Education

Infant care, Daycare, Preschool, Kindergarten, Family care, Nannies, Learning pods, Before & after care
Apply today
Jump Start Finance (JSF) and the KidVantage Loan program were created to provide parents with an alternative, long-term financial solution that addresses the vitally important issue of child care.
Kidvantage child care loan
Flexible payments
No annual fees
No transaction fees
No hidden fees
Interest rates as low as 6.9%
Directly pays your care provider
Covers all or portion of care costs
Access now or when you need it
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
Home loans, Auto loans, College loans, Finally - Child care loan
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:

Cuts monthly child care payment by up to 60%, making care affordable
Access the highest quality child care options for your family
Allows parents to grow their careers and incomes while enjoying full-time care

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:

Simple application - takes about 2 minutes. No application fee, and no origination fee.
We pay your care center. Once approved, we take over paying your care center at the beginning of each month.
Fixed monthly payment. We send you a monthly bill. You pay a low, fixed payment (or more if you can - with no penalties).

​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. ​​

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Quality Child Care and Early Education Have a Lasting Impact on Children

Quality early childhood development produces long-term benefits
“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.”
​

​- 
Nobel Memorial Prize Laureate Professor James Heckman, a recognized expert in the economics of human development
Features of Quality Care
Nurturing environment, Educational curriculum, Social interaction, Safety & security, Indoor / outdoor, Teacher certification, Low child/teacher ratio, Regular state inspections, Leadership & support staff, Educational plan and arts, Nutrition

Comparison of Child Care Payment Choices

Kidvantage loan: A personal loan for child care and early education with low interest rates and low monthly payments
Pay with credit card: Higher interest rates and lower credit lines you'd prefer to use for other needs
Quit job / home care: Not right for every family, and can lead to long-term negative financial implications
Pick lower quality care: Inconvenient or lower quality care doesn't feel like a good option, but it is sometimes a family's only choice
Paying with a kidvantage loan from Jump Start is a better option than paying for child care with a credit card

Leaving the Workforce Can Negatively Impact Family Finances 

Average family loses $700K of lifetime income when a parent leaves the workforce
1. https://interactives.americanprogress.org/childcarecosts/. Data reflects a 26yr old earning $44K leaves the workforce for 5 years. 
2. https://www.washingtonpost.com/business/economy/the-surprising-number-of-moms-and-dads-scaling-back-at-work-to-care-for-their-kids/2015/08/06/c7134c50-3ab7-11e5-b3ac-8a79bc44e5e2_story.html.

Get started today!

Apply now
Jump Start Finance Privacy Policy and Terms of Use --  Copyright © 2020
  • About
    • Overview
    • Blog
    • Research
    • Become a Partner Care Center >
      • Marketing Materials Order
    • Contact Us
  • Solutions
    • Kidvantage Line of Credit Application
    • Subsidies & Grants
  • Parents
    • Tools & Resources
    • Preferred Care Center Partners
    • Refer Your Center
    • FAQs