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. 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. 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. Please see below a typical example if you choose to spread the cost based on a cash price of £500. 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 option 6 Months @0% APR 12 Months @4.9% APR 24 Months @9.9% APR 36 Months @19.9% APR 48 Months @19.9% APR Choose how long you would like to take the finance for andTotals will be displayed on the right. Online4Baby Limited acts as a credit intermediary and only offers credit products from Pay4Later Ltd. Credit provided subject to age and status. 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. 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.Get prams on finance with Fair for You. We offer pay weekly options on a great range of stylish and practical prams, pushchairs and travel systems in a range of different colours and styles to suit all tastes and budgets. Many of the O Baby prams and pushchairs come with accessories such as additional car seats, rain covers, matching foot muffs and more. Our suppliers are always adding new prams and pushchairs, including strollers suitable from birth, 2-in-1 pushchair prams, double buggies, twins and tandems, 3 wheel pushchairs…you name it! Buying prams on finance means you can buy the pram you need now and pay later in weekly, fortnightly or pay monthly instalments with Fair for You to spread the cost. All our pushchairs, prams and travel systems include FREE delivery to anywhere in the UK and Free 5 year guarantee to UK & Ireland.
Here are just some pram models that our suppliers have to offer. 3 Wheeler Pramette – various colours Remarkably lightweight and comes in various colours – this 3 Wheeler Pramette is a smart solution for parents who need a convenient, fun and great value stroller. Stroller Bundle – Various Colours Suitable from birth stroller, the added comfort of a carrycot or the versatility of a travel system, the Simple stroller effortlessly grows with your baby and has a variety of colour options available. Twin Stroller in Various Colours For those parents with double the trouble, this classic design comes in various colours to suit your growing family. About Fair for You Pay weekly for top quality items directly from our manufacturers. No hidden fees, we’re just a straight up, not-for-profit Community Interest Company. All our loans have flexible repayment options – you pay what you can afford, when you can afford it.BROWSE our online high street.
The ‘Shop Now’ button will take you to the website of selected retailers.CHOOSE your item & put it in your basketAPPLY for a loan from Fair for You – you’ll be taken to this page automaticallyCONFIRM to the agreed loan repaymentsDELIVERY- you will be e-mailed a link so that you can arrange your free nationwide delivery, guaranteed within 72 hours! If you’re still unsure what to expect, view our Loan Application Walkthrough video here.Buy Now Pay Later Choose to delay your paymentfor up to a year. To view this video please enable JavaScript, and consider upgrading to a web browser that Buy Now Pay Later lets you defer your payment for up to a year. That way you can get the use and value out of your purchases now, but pay for them at a later stage, to help you manage your budget. Choose from 3 options: and deferyour payment for 6 months. and deferyour payment for 9 months. and defer your payment for 12 months. Representative 39.9% APR variable
Avoid interest by paying off your purchases within your chosen BNPL period. A choice to defer your payments for 6, 9 or 12 months. Great for unexpected purchases that youneed quickly. How to avoid paying interestand account charges Interest is calculated from point of order and charged at the end of the payment free period, if you haven't paid in fullby this time. Paying in full and on time before the end of your chosen Buy Now Pay Later period will ensure no interest is charged.It's important to read your statements as they detail your payment dates and include reminders. Allow plenty of time for your payment to reach us, some payment methods take longer than others. Paying at your own pace keeps you in control. You can manage your budget by paying off small amounts along the wayand settle early too. Remember to allocate your Buy Now Pay Later Payment to the specific item you wish to pay off, and ensure you also payyour minimum payment if one is due.
You can do this in My Account or by phone. If you're not ready to pay at the end of the Buy Now Pay Later period you can choose to spread the cost further by paying at least the minimum amount shown on your statement. The cost will be made up of the remaining Buy Now Pay Later balance plus any interest accrued during your chosen 6, 9 or 12 months BNPL payment free period. Delivery, installation and insurance products can't be placed on Buy Now Pay Later (exclusions will be pointed out whenyou order). These charges will appear on your next statement and a payment will be due by the payment due date. The payment-free period will start from the date of order, including pre-orders and items not ready for immediate despatch. The interest will be added to your account at the end of the payment-free period. The ability for you to use Buy Now Pay Later will depend on how you manage your account and your credit status. Pay one lump sum before the payment free period ends.