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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

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.

Take 3

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.
Representative 44.9% APR variable

Take 3

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.

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Shop the brands you love

Pay later with Very Pay

Free Click & Collect

Free returns

Shop the brands you love

Pay later with Very Pay

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Results: 1 - 30 (of 54)

SR750110 47.5cm Wide Under-Counter Fridge with 4 Star Ice Box

£119

SR15681W 143cm High, 55cm Wide Tall Larder Fridge - White

Current sale price is £199

RL170D4BCE 55cm Wide Under Counter Fridge Larder - Stainless Steel Look

£189

SR156140W 47cm Under Counter Larder Fridge - White

£119

MTL55242E Freestanding Tall Fridge - White

£229

KTTF0E6B-1004 Amp Design 45L Table Top Fridge

Current sale price is £89

RR220D4BDE Freestanding Fridge - Silver

Current sale price is £219

SR15681B 143cm High, 55cm Wide Tall Larder Fridge - Black

Current sale price is £199

RHTTF0E1B 43L Table Top Fridge - Black

£99

RR220D4BBE 52cm Wide Freestanding Retro Fridge with Icebox - Black

Current sale price is £219

H55R1112WUK Freestanding Undercounter Fridge - White

£259

CLHS58EWK UC 55cm Freestanding Fridge - White

£179

KTTF0E6B-1019 Gamer Design 45L Table Top Fridge

£129

MDRD168FGE01 Undercounter Larder Fridge with Internal Icebox White

£169

RL415N4ACE 60cm Wide, FREESTANDING TALLER FRIDGE - Stainless Steel

£429

HTSD18A011A1 Integrated Fridge - Stainless Steel

From £529

HPMLF 6442 W4UK Frost Free Tall Larder Fridge - White

£519

RH4CLR1001B 4L Mini Compact Cooler for Drinks and Cosmetics, Retro Style, Black & Chrome

£32

I55R1112WUK Freestanding Undercounter Fridge - White

£199

RH4CLR1001P Mini Cooler 4L Pink

Current sale price is £29

HONLQ2S58EXK Under Counter Fridge - Silver

£199

HONLQ2S58EWK Under Counter Fridge - White

£199

RUR156D4AWE Integrated Undercounter Fridge with Icebox - White

£299

BRR29600EWW/EU Built-in One Door Fridge with SpaceMax Technology - White

£1189

KTTF0E6B-1011 Vintage Beer Design 45L Table Top Fridge

Current sale price is £89

Series 2 KTR15NWEAG Undercounter Fridge - White - E Rated

£299

CLHS58EBK UC 55cm Freestanding Fridge - Black

£219

Low Frost HBUL011 Undercounter Fridge - White

From £359

KitchenFit Eclipse Series RL5K370GSFC Wifi connected Total No Frost Tall Fridge - Black Stainless Steel - C rated

£999

RL3B303SAWE 54cm Wide Integrated Total No Frost Fridge with Fixed Hinge - White