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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

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 16 range, Apple Mac lines, 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

This represents a typical cost of using Very Pay:

Representative 44.9% APR variable (annual interest rate of 44.9% variable). A personalised credit limit, typically £1,000. You may be offered other promotional interest rates.

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.

Self Assembly, Wood, Oak, £250-£500

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Results: 1 - 30 (of 35)

Prague 3 Piece Bedroom Furniture Set - 3 Door Mirrored Wardrobe, 4 + 2 Drawer Chest and 3 Drawer Bedside Table - FSC® Certified

Current sale price is £449

Camberley 3 Piece Package - 3 Door, 3 Drawer Mirrored Wardrobe, 5 Drawer Chest and 3 Drawer Bedside Chest

Current sale price is £449

Scottsdale 180 cm Dining Table + 4 Chairs - Oak

Current sale price is £274.50

Veni 2 Piece Room Set with Drawer - Oak

£499.99

Modena 2 Piece Furniture Set - Oak (Cot Bed, Sprung Mattresss and Chest Changer)

£499.99

Scottsdale Dining Table & 4 Chairs & 1 Bench

Current sale price is £499

Veni 2 Piece Room Set with Drawer - Oak White

£499.99

Carina 2 + 3 Drawer Chest - Oak

£299

New Constance Ready Assembled Large Sideboard

Current sale price is £449

Lisson 3 Piece Bedroom Furniture Set - 3 Door Mirrored Wardrobe, 5 Drawer Chest and 2 Drawer Bedside Table - New Oak - FSC® Certified

£499

Arya Wine Cabinet - Dark Oak

Current sale price is £399

Arya Sideboard - Dark Oak

Current sale price is £399

Tribeca 120 cm Dining Table + 4 Monroe Chairs - Walnut

£489

Panorama 160 TV Stand - Oak/Grey - fits up to 80 inch TV

Current sale price is £319

Joji Sideboard - Oak/black

£469

Arya TV Unit - Dark Oak

Current sale price is £349

Coxmoor 75 x 75 cm Square Solid Oak Dining Table + 2 Chairs

£329

Mallory Ready Assembled Solid Oak/Oak Veneers Widescreen TV Unit - fits up to 70 inch TV

£479

Coxmoor 118 cm Solid Oak Dining Table + 4 Chairs

£499

Eton 2 Drawer Console Table

Current sale price is £479

Nika 2 Piece Room Set - Oak

£469.99

Coxmoor 5 Drawer Wide Chest - Contains Solid Oak

Current sale price is £369

Coxmoor 118 cm Solid Oak Dining Table + 2 Benches

£379

San Francisco Height Adjustable Desk - Real Wood Veneer

£429

Siena Round Coffee Table - Real Wood Veneer

£389

Helsinki Large Desk With Pull Out Shelf - Real Wood Veneer

£439

Modena Oak Cot Bed with Drawer, Cot Top Changer and Mattress

£489.99

Catania 3pc Bedroom Set (2 Door Robe, 4 Drawer Chest, 3 Drawer Bedside)

Current sale price is £465

Geneva Cot Bed

£419.99

Mallory Ready Assembled Solid Oak/Oak Veneer 2 Drawer Coffee Table

Current sale price is £329

Results: 1 - 30 (of 35)