0% Finance

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 £280 in one transaction. Credit is provided by our reputable finance partner Deko, 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 £280 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 minutes and 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 16hours per week), or a house person with a spouse in fulltime employment.
  • 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.

Representative Example

Please see below a typical example if you choose to spread the cost over 12 or 24 months based on a cash price of £280.

Enter basket total

There is a minimum spend of £250. 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 £25.55
Deposit to pay £25.55
Amount of credit £500.55
Total Amount Payable £325.55
Rate of Interest
APR Representative

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

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Finance FAQ’s

Please read our Finance FAQ’s


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Legal Information

Online 4 Baby Limited is authorised and regulated by the Financial Conduct Authority, register number 05332212 and act as a credit broker and not a lender.

Online 4 baby Limited is a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.

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