20% off your first credit order

When you apply for Very Pay. Exclusions apply.

Representative 44.9% APR variable

Very Pay credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18's only.

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Shop Direct Home Shopping Limited. Registered number: 4663281. Registered office: 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.

Very Pay

20% off your first credit order!

What you need to know
Apply for Very Pay to get 20% off your first credit order. Enter WELCOME at the checkout

Representative 44.9% APR variable

Excludes all Samsung Galaxy S25 models (including bundle variants), all Gaming consoles, iPhone 17 range, Apple Mac Lines, Apple Watch Series 11, Ultra 3 and SE3, all egg items, digital downloads, insurance, delivery & installation. Cannot be used with other offers. Over 18 only.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% 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.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
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.

Pay now

You can pay in full today using a credit or debit card.

Representative Example:

Representative 44.9% APR variable

(interest rate 44.9% p.a. variable). Based on £1,200 credit limit.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% 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 into 'My APR'.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
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.

Pay now

You can pay in full today using a credit or debit card.

Buy Now Pay Later

What is Buy Now Pay Later (BNPL)?

BNPL is an interest bearing option that allows you to delay payments on your purchases. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You could delay payment for 6, 9 or 12 months depending on how much you spend.

The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.

How is interest calculated?

Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.

How do I 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 amount of 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 a lump sum of compound interest will be charged to your account.

How do I make a BNPL payment?

To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

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 account. Any outstanding balance plus the interest will now become payable.

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 month and cannot be repaid using Take 3.

What is excluded from BNPL?

The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.

Do I still have to pay my monthly minimum payment?

Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.

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Vivobook - Copilot+ PC - 16in - Snapdragon X - 16GB RAM - 512GB SSD - Blue

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Vivobook S - Copilot+ PC - Snapdragon X - 16GB RAM - 512GB SSD - 16in WQXGA(WQ) - Silver

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Cyborg NVIDIA RTX 4060, Intel Core Ultra 7, 8GB RAM 512GB fast SSD storage, 15in Gaming Laptop FHD

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Galaxy Book5 Pro 360 Copilot+ PC - 16in WQXGA+ AMOLED Touchscreen Laptop - Intel Core Ultra 7 - 16GB RAM, 512GB SSD - With Buds FE

From £1798.99

MacBook Air (M4, 2025) 15 inch with 10-core CPU and 10-core GPU, 24GB Unified Memory, 512GB SSD

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MacBook Pro (M4 Pro, 2024) 16 inch with 14-core CPU and 20-core GPU, 24GB or 48GB Unified Memory, 512GB SSD

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Aspire 5 Laptop - 15.6in HD, AMD Ryzen 5, 16GB RAM, 512GB SSD, with Optional Microsoft 365 Family (1 Year)

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V16 Gaming Laptop - 16in WUXGA 144Hz, RTX 4050, Intel Core 5, 16GB RAM, 512GB SSD - Black

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Cyborg 15 - GeForce RTX 3050 - Intel Core i5 - 16GB RAM - 512GB SSD - 15in - Black

Current sale price is £649

Vivobook - 16in - AMD Ryzen 5 - 16GB RAM - 512GB SSD - Silver

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Omen 16-xd0003na Gaming Laptop - 16in FHD, GeForce RTX 4050, AMD Ryzen 7, 16GB RAM, 512GB SSD

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From £799

LOQ Gaming Laptop - 15.6in FHD - Intel Core i5 - Intel Arc - 16GB RAM, 512GB SSD

£799

Vivobook 16 - Copilot+ PC - 16in - AMD Ryzen AI 5 - 16GB RAM - 512GB SSD - Silver

Current sale price is From £589

VICTUS 15-fb3008na Gaming Laptop - GeForce RTX 3050 - AMD Ryzen 7 - 16GB RAM - 512GB - 15in

£749

Swift 3 Laptop - 14in FHD IPS, AMD Ryzen 5 5500U, 16GB RAM, 512GB SSD - Silver

From £699

Galaxy Book5 Pro 360 Copilot+ PC - 16in WQXGA+ AMOLED Touchscreen - Intel Core Ultra 7 - 16GB RAM, 512GB SSD - Grey

Current sale price is £1499

Galaxy Book4 Edge - CoPilot+ PC - 16-inch 120Hz AMOLED Touchscreen, Snapdragon X Elite, 16GB RAM, 512GB SSD - Sapphire Blue

From £1499

Aspire Go 16 - 16in - Intel Core Ultra 5 - 16GB RAM - 512GB - Iron

£799

Vivobook 16 Laptop - 16in FHD, AMD Ryzen 5, 8GB RAM, 512GB SSD

From £549

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20% off your first credit order