The baby plan at Mothercare is brilliant! It's not a credit plan- you just choose your items and they are freezed at the sale price if you find they've gone into the sale you let them know and they alter it- they price match everything and you get a plan number and you can give it out to your friends and family if they want to contribute. They can go to any Mothercare and pay what they'd like to. I did it after my first scan, but I know what you mean Sara. I was worried doing it so early in case anything happened but they refund anything if it does. All you need to do is pay 10% of the goods you put on the plan and pay it off as and when you like, as long as the balance is cleared 10 days before delivery. It's been fantastic when we've found offers as just popped in, added it to the plan and had it price matched!