1. Spend £150 or more on Clothing & Footwear (includes selected bags – excludes all other accessories) in one order on 9 months Buy Now Pay Later. Each order must meet the £150 minimum order value. Non-eligible items will not count towards the minimum order value or your credit back. (Offer not valid if you choose 6 or 12 months Buy Now Pay later).
2. By entering PEHCA in the promo code box at checkout your order will be put on 9 months Buy Now Pay Later automatically. We'll then credit 20% of the eligible order value back to your account by 31st October 2019 or the dispatch date, whichever is later. We'll email you when we have applied the credit to your account.
Order must be placed online by 9pm on the final day of the promotion. If you return any eligible items that makes your order drop below £150, the credit will be reversed. This can't be used in conjunction with other offers (entering any other promo code apart from PEHCA in checkout will exclude you from this promotion). Offer live 9th - 16th September 2019.
What is Buy Now Pay Later?
Buy Now Pay Later is an interest-bearing option that allows you to delay payments on your purchases for 9 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch). Buy Now Pay later is subject to eligibility.
How is interest calculated?
Interest is calculated daily from date of order, compounded every 28 days and added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest. Your interest will be detailed in checkout.
How to avoid paying interest?
You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.
Making partial payments without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period.
Remember if you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your Very account.
How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific Buy Now Pay Later you wish to pay off. Alternatively, you can call us.
What happens after the delayed payment period?
If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your Very account. Any outstanding balance plus the interest will now become payable on your account.
As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every 28 days and cannot be repaid using Take 3.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.
What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.
Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Very account. If you have a non-Buy Now Pay Later balance on your Very account, you will still need to make at least your minimum payment as shown on your statement.
Spread the cost of any new purchase into 3. Make 3 payments, over 3 months, and pay no interest
How
Take 3 is automatically applied to everything you buy, so you don't need to do anything.
Simply go shopping and add your purchases to your account and we'll work out your
Take 3 payment for you. All you need to do is pay the Take 3 amount shown on your
statement on time and pay no interest.
Key features
Available on any purchase, every time you shop
There's no extra cost, none at all
You'll only pay interest if you choose not to complete payment
in 3 monthly instalments
Take 3 is exclusive to very.co.uk
If you decide you want to take a little longer to pay, you can. Just make your minimum payment. Find out more.
Representative 39.9% APR variable
Open a Very account
Credit provided, subject to status, by Shop Direct Finance Company Limited. Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18's only.
The Very Account
The Account gives you a choice of payment options if you want to spread the cost of your purchases. Take 3 - 3 payments, 3 months, pay no interest.
- Take 3 spreads the cost over 3 months. For example, if your item is £90, you'll pay £30 month 1, £30 month 2 and £30 month 3. Simple!
- Take 3 is automatically applied to everything you buy from Very, so if you want to Take 3 at any time, you don’t need to do anything. Excludes purchases on Buy Now Pay Later.
- There's nothing to select at checkout, simply pay the Take 3 amount on your statement.
- To avoid any interest, ensure you make all three Take 3 payments on time. If you don't, you'll incur interest.
Buy Now Pay Later - allows you to shop now and delay payment, and is subject to your credit and account status.
- Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases depending on the offer.
- In checkout you can choose how long you would like to delay your payment for.
- The delayed payment period starts from the date of order. Interest is calculated and compounded for the delayed payment period and is added to your account as a lump sum when this ends. Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.
- The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later.
- Buy Now Pay Later cannot be used in conjunction with Take 3.
Flexible Monthly Payments
- You always have the flexibility to pay a lower amount of your choice.
- This must be at least £5 or 7% of your balance. The minimum payment is detailed on your statement.
- If you pay this way you will be charged interest, and it will take you longer to pay off your balance.
Representative Example
This represents a typical cost of using a Very Account: Representative 39.9% APR variable (annual interest rate of 39.9% variable). A personalised credit limit, typically £1,000. You may be offered other promotional interest rates.
The Very Account
The Account gives you a choice of payment options if you want to spread the cost of your purchases. Take 3 - 3 payments, 3 months, pay no interest.
- Take 3 spreads the cost over 3 months. For example, if your item is £90, you'll pay £30 month 1, £30 month 2 and £30 month 3. Simple!
- Take 3 is automatically applied to everything you buy from Very, so if you want to Take 3 at any time, you don’t need to do anything. Excludes purchases on Buy Now Pay Later.
- There's nothing to select at checkout, simply pay the Take 3 amount on your statement.
- To avoid any interest, ensure you make all three Take 3 payments on time. If you don't, you'll incur interest.
Buy Now Pay Later - allows you to shop now and delay payment, and is subject to your credit and account status.
- Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases depending on the offer.
- In checkout you can choose how long you would like to delay your payment for.
- The delayed payment period starts from the date of order. Interest is calculated and compounded for the delayed payment period and is added to your account as a lump sum when this ends. Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.
- The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later.
- Buy Now Pay Later cannot be used in conjunction with Take 3.
Flexible Monthly Payments
- You always have the flexibility to pay a lower amount of your choice.
- This must be at least £5 or 7% of your balance. The minimum payment is detailed on your statement.
- If you pay this way you will be charged interest, and it will take you longer to pay off your balance.
Remember, your interest rate information is in 'My Account'. Just click the 'My Details' tab, and then in to 'My APR'.
1. £50 back on Built in & Free Standing Appliances £349 - £498.99 or £100 back on Built in & Free Standing Appliances £499+ ordered on 12 months Buy Now Pay Later.
2. By entering M73GE in the promo code box at checkout your item will be put on 12 months Buy Now Pay Later automatically. We'll then credit £50 or £100 back to your account by 23rd November 2017 or the dispatch date, whichever is later.
We'll email you when we have applied the credit to your account.
Buy Now Pay Later allows you to delay payment for 12 months. The payment free period starts when you place your order.
The interest is calculated from order date and will be added to your account after the end of the payment free period. Avoid interest by paying in full within the payment free period. Find out more in checkout.
Delivery charges and other Financial Services products are not available on Buy Now Pay Later and will appear on your next statement.
Order must be placed online. If you return your item, the credit will be reversed. This can't be used in conjunction with other offers (entering any other promo code apart from M73GE in checkout will exclude you from this promotion). Offer live 9th October - 19th October 2017.
Credit provided, subject to credit and account status by Shop Direct Finance Company Ltd. Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL. Over 18's. Authorised and regulated by the Financial Conduct Authority.
1. £50 back on Built in & Free Standing Appliances £349 - £498.99 or £100 back on Built in & Free Standing Appliances £499+ when you select Buy Now Pay Later in checkout.
2. We'll automatically credit £50 or £100 back to your account by 23rd November 2017 or the dispatch date, whichever is later. We'll email you when we have applied the credit to your account.
Buy Now Pay Later allows you to delay payment for up to 12 months. The payment free period starts when you place your order.
The interest is calculated from order date and will be added to your account after the end of the payment free period. Avoid interest by paying in full within the payment free period. Find out more in checkout.
Delivery charges and other Financial Services products are not available on Buy Now Pay Later and will appear on your next statement.
Order must be placed online. If you return your item, the credit will be reversed. This can't be used in conjunction with other offers (entering a promo code in checkout will exclude you from this promotion). Offer live 9th October - 19th October 2017.
Credit provided, subject to credit and account status by Shop Direct Finance Company Ltd. Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL. Over 18's. Authorised and regulated by the Financial Conduct Authority.
