1. Spend £100 or more Clothing & Footwear (excluding accessories) in one order on 9 months Buy Now Pay Later. Each order must meet the £100 minimum order value. Non-eligible items will not count towards the minimum order value or your credit back. (Offer not valid if you choose 12 months Buy Now Pay later).

2. By entering Q4RJX 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 27th August 2020 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. If you return any eligible items that makes your order drop below £100, the credit will be reversed. This can’t be used in conjunction with other offers (entering any other promo code apart from Q4RJX in checkout will exclude you from this promotion). Offer live 29th June – 6th July 2020.

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.

The Very Account

• 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 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 and installation services cannot be placed on Buy Now Pay Later.
• Buy Now Pay Later cannot be used in conjunction with Take 3.

• 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

The Very Account

• 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 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 and installation services cannot be placed on Buy Now Pay Later.
• Buy Now Pay Later cannot be used in conjunction with Take 3.

• 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'.