Any parent or guardian with children in a private or Unity school. Your child's school must be verified on the Sproutly platform.

No. All parents are welcome—drivers, traders, artisans, hairdressers, 9–5 workers, business owners, everyone.

Each term = 4 months of subscription payments. Your monthly price is fixed and predictable.

Life happens. We give a 7-day grace window to catch up without any issues. After that, a small late charge may be added to your subscription. Consistent missed months may pause future subscription access until resolved.

Yes. Cowri runs on a Repayment Score that rewards responsibility. Good behavior = discounts. Poor behavior = reduced access.

We check your financial information to ensure your monthly subscription amount fits comfortably into your monthly cash flow.

Yes, up to 4 children, each with their own monthly plan.

Good news—Cowri absorbs your old balance into your subscription. You get a clean slate. No shame. No embarrassment.

Yes. Sproutly pays your child's school upfront for the full term so your child stays in class, worry-free.

Each school term = 4 monthly subscriptions.

You can stop future terms, but all active monthly payments must be completed to protect your child's school account.

No problem. You can nominate them during registration, and we'll onboard them.

Never. Once your subscription starts, the school is fully paid.

Yes—each child has a separate monthly plan as long as their school uses Sproutly.

Absolutely. Sproutly is fully NDPR-compliant and uses secure data protection systems.

Every Cowri Credit Application requires at least one co-signer. A co-signer helps strengthen your credit profile and increases your chances of getting approved.

A co-signer can also contribute to the monthly subscription in any mutually agreed ratio.