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.

How the KidVantage Loan Works:

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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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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