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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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Offers

Results: 1 - 30 (of 54)

CLHS58EWK UC 55cm Freestanding Fridge - White

£179

Smart CSEH8A2LE 8kg Heat Pump Tumble Dryer, A++ Rated - White

Current sale price is £309

CCH1S513EWK-1 50/50 Fridge Freezer, 136cm Tall, E Rated - White

Current sale price is £239

Smart CSE C10LF - 80 10kg Condenser Tumble Dryer - White

£299

CCT3L517EWBK-1 Low Frost Fridge Freezer with non plumbed water dispenser - Black

£299

CDPH 2L1049B-80 Slimline, 10-Place Dishwasher - Black

Current sale price is £264

CCH1S513EBK-1 Fridge Freezer - Black

Current sale price is £249

CF3E9L0B-80 13 place full size Freestanding Dishwasher with WIFI - Black

£279

CHW6LBB 60cm Gas Hob - Black

£129

BCTD H7A1TE-80 7kg Fully Integrated Heat Pump Tumble Dryer, A+ - White with Wi-fi Connectivity

From £479

CH64CCB 60cm Ceramic Hob with Optional Installation - Black

From £189

CCT3L517EWK-1 Low Frost Fridge Freezer - White

£299

CSOEC8TBGB80 8kg Freestanding Condenser Tumble Dryer, Sensor Dry, Smart enabled, 14 Programmes, 4 Dryness Levels - Black

£319

Smart Pro CSOE H9A2DE-80 9kg Heat Pump Tumble Dryer, A++ Rated with WiFi Connectivity - White

£389

CI3E53E0W-80, 60cm Dishwasher, 13 place settings, E energy - White

From £249

CB50N518EK 177cm High, Integrated 50/50 Frost Free Fridge Freezer, E Rated - White

From £399

Quick Pro GD 4108-80 10kg Washing Machine with 1400 spin, A Rated - White

£299

Rapidò CI 4C7L0W-80 Integrated Full Size Dishwasher, 14 place setting, White, C Rated

From £289

CLHS58EBK UC 55cm Freestanding Fridge - Black

£219

CUS518EWK 177cm High, Integrated Static Tall Freezer, E Rated - White

From £479

CROE C9TBGB-80 9KG Condenser Tumble Dryer

£299

Brava CDIH 2L952-80 45cm Wide Slimline 9-Place Integrated Dishwasher, E Rated - Black

Current sale price is From £239

CCVB 15 UK/1 Built In Wine Cooler, 7-Bottle Capacity - Black

From £219

CCH1T518EWK-1 50/50 No Frost Fridge Freezer, E Rated - White

£329

CROEH9A3TBEB80/N 9KG Heat Pump Tumble Dryer - Black

£499

CSOW4966TWMB6-80 9+6kg Smart Pro Inverter - White

£449

F CM955NRL-C Built-In Electric Multifunctional Oven, 70L Capacity, A Rated - Stainless Steel

Current sale price is From £269