Money management
How to budget for a loan repayment
The income allocation method, building a payment buffer, aligning your repayment date with payday, and what to do when budgets tighten.
5 min read → New arrival
New baby loan
A new baby changes everything — including your bank balance. From the nursery to the pushchair, a Cash Train loan helps you get ready without financial stress.
Apply now →Unregulated lender • Apply online — decision in minutes
Common costs
What new parents typically spend
Travel system / pram
£300–£1,200
A good travel system (pram, carry cot, car seat combination) is one of the biggest baby expenses.
Nursery furniture
£400–£1,000
Cot, changing unit, wardrobe or drawers, nursing chair.
Baby equipment
£300–£800
Steriliser, bottles, baby monitor, bouncer, play mat, highchair.
Childcare deposit
£500–£1,500
Most nurseries require a registration or retainer deposit months in advance.
Loan options
Choose the right amount
Whether you need to cover a single item or a full nursery setup, there's a Cash Train tier sized for you. All loans come with fixed monthly payments so you always know where you stand.
Quick
£100–£500
1–3 months
Individual items — a specific piece of nursery furniture or baby gear.
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£2,000–£5,000
6–24 months
Complete preparation: nursery, equipment, childcare deposit.
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Simple process
How it works
Apply online
Tell us how much you need and what it's for. No obligation, no credit check at this stage.
Fast decision
Once we launch, complete your full application and get a decision quickly — often the same day.
Money to your account
Funds sent straight to your bank account so you can pay suppliers directly.
Common questions
New baby loan FAQs
Yes — Sure Start Maternity Grant (£500) if on qualifying benefits and it's your first child. Universal Credit, Child Benefit, and Healthy Start vouchers may also apply. Check entitledto.co.uk before borrowing.
Ideally 2–4 weeks before you need the money. Applying during maternity leave may affect affordability assessment if your take-home has reduced.
Lenders assess your income at the time of application. If you're on statutory maternity pay, your take-home is lower. We factor in your full circumstances.
Great for many items. Things to buy new: car seat (safety-critical), cot mattress (hygiene), feeding equipment. Most other items are fine second-hand.
Get ready for your new arrival.
Apply online — get a fast decision with fixed monthly payments.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk