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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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Pay later with Very Pay

Free Click & Collect

Free returns

Shop the brands you love

Pay later with Very Pay

Up to 60% off Sale!

Up to 60% off Sale!

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Offers

Results: 1 - 30 (of 151)

PSM 100 A Multi-Sander

£45

EasyGrassCut 23

£40

Series 4 KFN96VPEAG Multi-Door, Frost Free Fridge Freezer - Inox - E Rated

Current sale price is £999

CreationLine MUM59340GB 7-in-1 1000W Stand Mixer - Anthracite/Silver

£299

Series 2 HHF113BR0B Built-in Electric Single Oven with Enamel Coating - Stainless Steel

Current sale price is £274

Series 4 HQA534BB3B Built-in Electric Single Oven with Hotair Steam - Black

Current sale price is £394

EasyRotak 32-225 lawnmower

£115

Series 4 HQA574BS3B Built-in Electric Single Oven with Pyrolytic Cleaning - Stainless Steel

Current sale price is £499

Series 2 SMS26AW08G Full Size, 12-Place Settings Dishwasher with Extra Dry - White - E Rated

£399

Series 6 WGG254F1GB 10kg Load, 1400rpm Spin, i-DOS, AntiStain Washing Machine - White - A Rated

Current sale price is £599

Series 6 WGG244ZCGB 9kg Load, 1400rpm Spin AntiStain Washing Machine - Graphite - A Rated

£589

cordless easy hedge cutter 18-45

£129.99

Series 2 KGN27NLEAG 182cm 50/50 Split, Frost Free Fridge Freezer - Stainless Steel - E Rated

Current sale price is £444

Series 2 WGE03408GB 8kg Load, 1400rpm Spin SpeedPerfect Washing Machine - White - A Rated

Current sale price is £399

Series 2 KTR15NWEAG Undercounter Fridge - White - E Rated

£299

Series 4 WAN28259GB 9kg Load, 1400rpm Spin SpeedPerfect Washing Machine - White - A Rated

£499

MyMoment TWK1M123GB Delight Kettle - Black

£34

Series 4 KGN392WDFG 203cm 70/30, Frost Free Fridge Freezer - White - D Rated

Current sale price is £699

Series 4 60cm Wide, Full-size Dishwasher SMS4EKI06G with SpeedPerfect - Silver

£549

MyMoment TAT2M123GB Delight 2 Slot Toaster - Black

£34

Series 2 GTV15NWEBG Undercounter Freezer - White - E Rated

£294

Series 4 PNP6B6K40 60cm Intergrated Gas Hob - Black

£299

Series 6 WNG25401GB 10.5kg Wash, 6kg Dry, Wash and Dry 60 minutes Washer Dryer - White - A Rated

£849

MultiTalent3 MCM3501MGB 800W Food Processor - Black

Current sale price is £79

Series 2 SMV2HTX02G Full Size, 13-Place Settings Integrated Dishwasher with SpeedPerfect - Black - D Rated

Current sale price is £429

MSM6B150GB 300W Hand Blender - White

£19