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Online4Baby Finance Available

Buy now and pay later on all your nursery requirements and spread the cost with our flexible finance options with as little as 10% deposit!

Online4baby is pleased to offer a range of simple finance options when you spend £500 in one transaction. Credit is provided by our reputable finance partner Pay4Later, so now there’s no need to compromise on any of little ones kit and caboodle.

Apply today 4 Easy Steps...




Add items to your basket: If you spend £500 or more you’ll be eligible for our credit options.




Choose ‘Buy with finance’ at the basket stage and fill in your delivery details.




At checkout stage choose ‘Apply for Finance’ fill in application and pay your deposit




Sit back and relax. Once approved your items will be instantly delivered within 24hrs*. Relax then and don’t pay anything for around 30 days.


The application process takes a maximum of 3 minutesand you get an instant decision within 10 seconds.

Do you meet the criteria to qualify?

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history (UK Mainland and Northern Ireland).
  • You must be in regular full or part time employment (minimum 16 hours per week)
  • You have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.
  • You must have a UK bank account capable of accepting Direct Debits.
  • The goods must be delivered to your home address.
  • If you are a retired individual, in receipt of a private or company pension (aged 50 or over at date of application).
  • The deposit (minimum 10%/maximum 50%) must be paid using a credit or debit card. Variable deposit options are removed when the total amount of credit falls below the minimum required in the finance application.

Representative Example

Please see below a typical example if you choose to spread the cost based on a cash price of £500.

Order Total

There is a minimum spend of £500. You can enter your approximate cart total above and adjust the finance options on the right to calculate the totals.

Finance Options

Choose how long you would like to take the finance for and your deposit amount. Totals will be displayed on the right.

Finance Totals

Pay per month
Cash price
Deposit to pay
Amount of credit
Duration of contract
Rate of interest
Total Amount Payable

Online4Baby Limited acts as a credit intermediary and only offers credit products from Pay4Later Ltd. Credit provided subject to age and status.

Finance FAQ’s

Please read our Finance FAQ’s


Finance applications have to be approved and cleared before 4pm to receive your goods next working day (postcodes that incur a surcharge are a two working day service)

Online4baby Ltd Unit B Broadgate Broadway Business Park, Chadderton, Oldham OL9 0JA,

Online4baby consumer credit licence number: 0652727




Consumer credit service is provided by Pay4Later Ltd. Pay4Later authorised and regulated by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to or visit

Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered, and provided with their full contact details.

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