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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.

Silver, Brabantia, dawes, Indesit, Katie Loxton, magimix, pentax, Skechers

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Results: 1 - 30 (of 51)

Low Frost SI62S Fridge - Silver

£429

I5G3PMX - Dual Fuel Single Cooker - Silver

Current sale price is £299

Lift-O-Matic Rotary 50M Airer with Accessories

£100

Topspinner Rotary Airer with Metal Spear – 50m Area

Current sale price is £76

I55V1112SUK Freestanding Undercounter Fridge - Silver

Current sale price is £229

DII 10D IX - Double Oven - Silver

Current sale price is £349

IO 232H X UK - Click & Clean Single Oven - Silver

Current sale price is £179

IN2FE13DT9SUK 60cm Wide 13-Place Setting Freestanding Dishwasher - Silver

Current sale price is £279

Birthstone Pouch

£22.99

IKNH1261S4UK No Frost with Fresh Space - Silver

Current sale price is £349

Push & Go BDE96436SVUK 9kg Washer Dryer - Silver

Current sale price is £499

IB55732SUK 54cm Wide Low Frost Fridge Freezer - Silver

Current sale price is £339

IN2FE10CS90SUK Freestanding Slimline Dishwasher - Silver

Current sale price is £299

No Frost UI6F2TS Undercounter Freezer - Silver

£499

Lift-O-Matic Rotary Dryer with Soil Spear and Cover – 60m Area

£115

IP 252R XUK - Built-in Microwave with Grill - Silver

Current sale price is £399

DII 10N S Electric Fan Double Oven - Silver

From £329

EWDE861483S 8kg Washer Dryer - Silver

Current sale price is £439

BIRTHSTONE HOOP EARRINGS Rock Crystal , 1.4cm x 0.7cm x 1.5cm

£22.99

C YD 92D SS UK 9KG Heat Pump Tumble Dryer with Steam Technology - Silver

£399

IO 278P1 X UK - Turn & Go Single Oven - Silver

Current sale price is £259

C YSD 82D SS UK 8KG Heat Pump Tumble Dryer with Steam Technology - Silver

£379

INK25322S4UK 70/30 Total No Frost Fridge Freezer - Silver

Current sale price is £379

INKS1361S4UK Fridge Freezer - Silver

Current sale price is £379

17 Film Camera - Dark Silver - Camera + 1x 36 Exposure 35mm Film

£509.99

INKF8251S4UK No Frost with Fresh Space - Silver

Current sale price is £369

IM K12 XUK - Built-in Microwave with Grill - Silver

Current sale price is £289

Push & Go MWI125GX Built-in Microwave with Grill - Stainless Steel

From £219

17 Film Camera - Dark Silver - Camera + 2x 36 Exposure 35mm Film

£519.99

DUI 10D IX Electric Fan Double Oven - Stainless Steel

From £349

Results: 1 - 30 (of 51)