Your child deserves great care. You deserve a payment you can manage.
Childcare costs more than college — and it hits before your earning power peaks. Cub lets you spread payments over a longer term so you can choose the provider your child deserves without gutting your savings or your peace of mind.
$25,000+
Average annual childcare cost in major metro areas
45 states
Where childcare for two kids costs more than a mortgage
35%
Of a single parent's income consumed by childcare costs
How it works
Three steps. One less thing to stress about.
Tell us your situation
Share your childcare provider, monthly costs, and how long you'll need care. Takes two minutes.
Get your Cub plan
We show you exactly what you'll pay per month — spread over a term that actually works for your family.
Cub pays your provider
Your childcare location gets paid on time, every time. You repay Cub on your schedule.
The math
The same cost. A fraction of the burden.
Based on average US childcare costs of $2,100/month for 36 months.
Without Cub
$2,100
per month, for 36 months
- ✗ Impossible to save
- ✗ You may settle for a provider you wouldn't have chosen
- ✗ Financial stress during crucial career years
With Cub
$1,340
per month, over 60 months
- ✓ You afford the provider you actually want
- ✓ Provider gets paid reliably, every month
- ✓ You build financial stability, not debt panic
For childcare providers
Get paid on time. Every time.
Partner with Cub and offer financing to the families you serve. Get paid in full on enrollment day — and never chase an unpaid tuition bill again. Earn a referral fee on every family you enroll.
100%
Payment guarantee
< 48h
Provider onboarding
$0
Cost to join
1.5%
Referral fee per enrolled family
Have a nanny? We're building that too.
In-home care costs just as much — sometimes more. We're partnering with nanny payroll services so you can finance your nanny the same way. Get notified when it's ready.
Your child deserves great care. You deserve a payment you can manage.
See your personalized Cub plan in two minutes. No commitment, no credit check to get started.
Simulate my plan