"Payment Protection" Services!
Parent's Frequently Asked Questions
If I need more time than 12 months, can I have more time?
-Yes! We can give a parent up to 24 months to replenish their "Family Fund" for large balances,as we can provide families up to $5,000.00 maximum each time, based on what each family can replenish in 100 days!
Will my background be reviewed?
-Yes, but don’t worry about that! We can help all parents as long as their information is verifiable. Our Program is not credit-based & your credit score is not affected!
Other than my membership fee, are there any other fees?
-Yes! However, there are typically no up-front fees for parents, as fees come out of the funds Paycare Provides for your family!
What are the interest rates if I need more than 12 months?
-ALL Families enjoy 100 days to pay their bill, with no interest involved! If you need more than 12 months, which is PAST your membership period, the interest will be specific to your situation.
My pay history is weak so can I get a Pay incentive to pay my child’s bill?
-Yes! We can help all parents as long as their information is verifiable since our Paycare Program is not credit-based! Again, your credit score can be as low at 500, but will not be affected.
What if I don't prefer the Program's 'replenishment' feature, but want 1-time assistance for my family?
-While our Program is wonderful, it is not always the right Program for every family; So, we simply refer you to contact the
resources in your community which provide 1-time assistance!
-Our "Replenishment' feature allows families repeat access to funds while also allowing our funding to 'match' those dollars to
be available to assist the next family. This is our Program's "Pay-It-Forward" approach to each family helping both themselves
& the next family!
Does my membership cover all my children in my household?
-No! Paycare membership is Per Child with no set limit to the number of 'Pay Incentives' which can be paid for that specific child over the course of the 12-month membership period. There is no limit on the # of facilities which can be paid for each child.
Once I join, does my facility also have to be a member?
-No! Only Paycare members can receive Paycare 'Pay Incentives' so we provide funds directly to parents until the facility joins!
*No Worries! We can typically get the facility set up within a day or so, once we inform them we are prepared to
pay your and any other parent's Pay incentives directly to them from our "Family Fund"!
Since Paycare is not a lender, why were my final forms from a financial office?
- A Private family foundation who is providing permanent funding to our non-profit (as their “give-back” to the Community), has amassed their fortune from providing alternative lending services. Because our non-profit unashamedly does not have the Manpower to track funding, family replenishments, and repeat access amounts for families, The Private family foundation utilizes
one of its offices to do so.
-However, only through our Non-profit, is there NEVER any interest when families replenish their “Pay Incentive” within 100 days, families credit scores are not affected, their credit is not a determining factor for funds and the amount funded is based on an amount that particular family can reasonably replenish back to themselves within 100 days because Paycare is built to be an ongoing support for the family, via repeat access to funds while also matching their replenishments to help the next family!
Is there anything else I should know?
-Yes! You receive a FREE Paycare membership card which allows you continued access to Pay incentives during your 1-year membership!
*The above also applies to all Paycare Service Areas Below: