The first daycare financing in Switzerland

Awina finances up to half of your daycare fees.
Only 3% interest per year for all.

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Awina finances up to half of your daycare fees.
Only 3% interest for all.

Our partner

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We help families with their daycare needs

Awina reduces the financial burden on your family and helps you plan better. We support you with an earmarked loan that covers part of the costs of daycare. The fees for your daycare spot are spread over a longer period of time. This reduces your monthly expenses and helps lower your family budget.

More predictability

1

More predictability

Your monthly daycare fees are reduced by up to half and you have more money at your disposal. This means freedom to work on private and professional plans.

2

Easy application process

The application process is simple and paperless. Don't worry, your data is safe with us.

Modell-Antragsstellung

3

Tailored to your needs

Your earmarked loan is customized. You decide how much you want to finance each month and how long your child will attend daycare.

4

Simple and secure payments

You transfer your share to Awina each month, and we take care of the payment to the daycare. When your child moves to kindergarten, you pay back the loan in convenient monthly installments.

Curious?

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Your benefits

Financial freedom and better planning.

More budgeting and financial freedom, less worry about childcare costs.

Low interest rate.

Everything for the family: Awina offers more attractive interest rates than most, namely 3%. For all.

Relieve your monthly budget.

While your child goes to daycare, you have more money left over at the end of the month. Once your child leaves daycare, you simply continue to pay monthly until you’ve paid off the loan.

Fast processing.

We offer you a simple, fast and uncomplicated way to apply for a loan. If you qualify, we let you know very quickly.

Find out if you qualify for a loan

How is your credit worthiness?

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Your loan prognosis

Transparenz ist essenziell. Finde in drei Schritten heraus, ob die Kita-Finanzierung von Awina für euch in Frage kommt.

How much do I need?

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1%max 50%

All information without guarantee.

The law states that the granting of loans is prohibited if it leads to over-indebtedness (Art. 3 UWG).

Can I afford the loan?

For all fields (unless otherwise specified), please enter the value that applies only to you as an individual.

  • Disposable income per month CHF

All information without guarantee.

The law states that the granting of loans is prohibited if it leads to over-indebtedness (Art. 3 UWG).

Illustration Baby

It's looking good!
Based on your statements, it is likely that you will get a credit.

Unfortunately, Awina may grant credit, if the available income is too low.

Please check with your local municipality to see if there is any assistance available.

To be able to calculate whether you can afford the loan, you first have to the top of the credit needs to be determined.

Am I creditworthy?

Bitte füllt den Selbsttest sorgfältig aus und sei kritisch mit dir selber. Wird eine Frage mit einem Nein beantwortet, kommt ein Kredit leider nicht in Frage. Beantrage einen Kredit nur, wenn du alle Fragen mit Ja beantwortest. Abgelehnte Kreditanträge führen meistens zu einer Verschlechterung der Kreditwürdigkeit. Das soll verhindert werden.

Question 1/3

Minimum requirements

You must absolutely meet the following minimum requirements.

Age: I am at least 18 and will be at most 65 years old at the end of the term of the loan.

My income: I get paid at least CHF 2,500 net per month from my main job.

My living situation: I have been living in Switzerland or Liechtenstein for at least 6 months.

  • Minimum permit: B (at least 6 months) or C

My employment conditions:

  • Permanent employment and no longer in the probationary period (the last 3 payslips must be shown)
  • Temporary employment for an indefinite period (the last 6 payslips must be presented).

Do you meet all the minimum requirements as described?

Unfortunately, Awina is not allowed to grant you a loan.

Further information can be found here:

Please check with your local municipality to see if there is any assistance available.

For questions please contact family@awina.ch.

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Question 2/3

Payment history & payment behavior

We need to check your payment history. Your own accurate assessment will help us not to have to reject your application if something comes up during the review.

The following points are important:

  • I have no outstanding or unpaid debt collection.
  • I have not had any wage garnishments in the last 2 years.
  • There are no outstanding loss certificates.

Can you answer yes to all the points?

Unfortunately, Awina is not allowed to grant you a loan.

Further information can be found here:

Please check with your local municipality to see if there is any assistance available.

For questions please contact family@awina.ch.

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Question 3/3

Credit Experience & History

We will also arrange for a check of your credit history if you submit an application. We are legally obliged to do this.

We ask you to answer the following three questions accurately:

  • I have a good credit history and have always paid loans, leases or credit card bills on time.
  • I have fully repaid previous loans.
  • I have had no declined credit inquiries in the last 3 months.

Can you answer yes to all the points?

Unfortunately, Awina is not allowed to grant you a loan.

Further information can be found here:

Please check with your local municipality to see if there is any assistance available.

For questions please contact family@awina.ch.

Illustration Baby

Illustration Baby

It's looking good!
Based on what you've said, it's likely you'll get a loan.

It's looking good!

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Based on what you've said, it's likely you'll get a loan.

Register now and secure your custom loan.

Still unsure? Schedule a 12-minute call now or write to us on Whatsapp

Register now and secure your custom loan.

Frequently asked questions (FAQs)

Is Awina already issuing loans?
Awina has been providing loans since November 2021. Thanks to your registration and the information you provide about your financing needs, Awina is constantly improving its services.
How does Awina differ from other lenders?
Awina offers only earmarked loans. These are built up in a staggered manner. This means that money is always paid out only and directly to the nursery. No money flows to the family. The loan amount increases regularly each month until the child moves from the nursery to kindergarten. Then the family pays back the loan in regular steps - at a very low interest rate.
Categories: Homepage, About Awina
How do Awina loans work?
Awina reduces your monthly budget and finances up to 50% of your daycare fees. This, as long as your child is in daycare and at a very low interest rate of 3% for each customer.
Categories: Homepage, About Awina

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