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Awina

Swiss Family Financing

We’re developing Switzerland's first nursery financing service.
Sign up for our waiting list to get updates!

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 nursery.

The fees for your nursery spot are spread over a longer period of time. This reduces your monthly expenses and helps lower your family budget.

Awina is currently under construction. We are in discussion with potential lenders. Before we grant loans, we need to gain an overview of what families need. That’s why we need your help!we need your support.

Sign up and become a part of our community!

How it works

More predictability

Your monthly financial expenses are reduced and you have more money available. For example, you could pay half of the monthly costs for the nursery spot over twice the duration. You’re free to work on your personal and professional plans.

Easy application process

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

Modell-Antragsstellung

Tailored to your needs

Your earmarked loan is custom made for your needs. You decide how much you want to finance each month and how long your child will attend nursery. Awina finances up to half of your monthly nursery fees.

Secure payment to your nursery

Ihr überweist jeden Monat euren Anteil an Awina, und wir kümmern uns um die Zahlung an die Kita. In eurem persönlichen Dashboard seht ihr all eure Zahlungsinformationen sowie eure persönlichen Daten zu eurer Finanzierung.

Your Awina benefits

Financial freedom and better planning.

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

Low
Interest.

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

Relieve your monthly budget.

Während euer Kind in die Kita geht, habt ihr mehr Geld übrig. Der Kita-Platz pro Monat wird zahlbarer. Nach Ende der Kita-Zeit zahlt ihr einfach jeden Monat weiter, bis die Finanzierung zurückbezahlt ist.

Fast processing
Processing.

Wir bieten euch einen einfachen, schnellen und unkomplizierten Weg zum Kreditantrag. Positive Bescheide werden in sehr kurzer Zeit mitgeteilt.

Your loan prognosis

Transparency is essential. With the creditworthiness self-test, you can quickly find out whether you are creditworthy and credit-capable - without creating an account. Accurate answers to the questions and required information lead to a fair initial assessment. This is one of the most important prerequisites for a healthy and long-term partnership.

How much do I need?

The credit check shows you where you stand in terms of a possible loan. The aim is to prevent you from getting into too much debt.

%
1%max 50%

All information without guarantee.

Hinweis laut Gesetz: Kreditvergabe ist verboten, falls sie zur Überschuldung führt (Art. 3UWG).

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.

Hinweis laut Gesetz:Kreditvergabe ist verboten, falls sie zur Überschuldung führt (Art. 3UWG).

Illustration Baby

It looks 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 community 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?

Please fill out the self-test carefully and be honest with yourself. If a question must be answered with a no, a loan is unfortunately out of the question. Only apply for a loan if you answer all questions with a yes. Rejected credit applications usually lead to a deterioration of creditworthiness. We don’t want that to happen.

Step 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 pay slips must be shown)
  • Temporary employment for an indefinite period (the last 6 pay slips must be presented).
  • Self-employment for at least 2 years

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 community to see if there is any assistance available.

For questions please contact family@awina.ch.

Illustration Baby

Step 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 community to see if there is any assistance available.

For questions please contact family@awina.ch.

Illustration Baby

Step 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 potential loans, leases or credit card bills on time.
  • I have fully repaid previous loans that are no longer active.
  • I have had no declined credit inquiries in the last 3 months.

Can you answer yes to all the questions here as well?

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

Further information can be found here:

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

For questions please contact family@awina.ch.

Illustration Baby

Illustration Baby

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

Register now and secure your custom loan.

Frequently asked questions (FAQs)

Is Awina already issuing loans?
Currently Awina is still under construction. This means that no credits are awarded. With your registration, and your data to your financing needs Awina can improve their offerings to the needs of various families of the crop.
How is Awina different 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. Each month, the loan amount increases regularly until the child switches from the nursery to kindergarten. Then the family pays back the loan in regular increments - at a very low interest rate.
Categories: Homepage, Über Awina
How do Awina loans work?
Awina relieves your monthly budget and finances up to 50% of your nursery fees. This, as long as your child is in the nursery and at a very low interest rate of 3% for each customer.
Categories: Homepage, Über Awina

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