Customer Rating 4 | D

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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.

Free Click & Collect

Free returns

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

Up to 60% off Sale!

Up to 60% off Sale!

Customer Rating 4, D

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Results: 1 - 23 (of 23)

SW75110B 7kg 1200 Spin Freestanding Washing Machine - Black

Current sale price is £219

Series 4 Pro AI Direct DriveT FWY706GBTN1 10 kg Washer Dryer - Slate Grey - A-10% / D Rated

Current sale price is £489

N50 S155HVX00G Full Size, 13-Place Settings Integrated Dishwasher with Extra Dry - Stainless Steel - D Rated

£499

RB327N4ABD Freestanding 50/50 D Rated Fridge Freezer

£399

Series 4 AI Direct DriveT FWY606GBLN1 10 kg Washer Dryer - Slate Grey - A-10% / D Rated

Current sale price is £519

InstaView GSXE91EVAD 628L Smart Inverter American-Style Fridge Freezer - Black Steel

Current sale price is £2069

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

£449

PureFlat Slim RQ5P470SYIDTotal No Frost American Fridge Freezer with My Fresh Choice zone - D Rated

£999

Series 4 AI Direct DriveT FWY606WWLN1 10kg Wash 6kg Dry 1400rpm -White - A-10% / D Rated

Current sale price is £519

GSLE81EPBD 628 Smart Inverter American Style Fridge Freezer Essence - Matte Black

£1399

Series 2 SMS2HVW67G Fullsize, 14-Place Setting Freestanding Dishwasher - 6 programmes, Vario baskets, Vario Drawer, 5 options, 46dB, 9L - White

£449

N30 S153HTX02G Full Size, 14-Place Settings Integrated Dishwasher with Extra Dry - Stainless Steel - D Rated

£449

DB243TX14 Place Setting QuadWashT Full Size Integrated Dishwasher Fully Retractable - D-Rated

From £459

HV643D90UK Fullsize 16-Place Settings Fully Integrated 15-Minute Quick Wash Dishwasher

Current sale price is £329

Series 4 KGN362LDFG 60/40, Frost-Free, 60cm Wide Fridge Freezer - Stainless Steel

£699

GSXE91BSAD 628L Instaview Smart Inverter American Style Fridge Freezer Brushed Steel

Current sale price is £2069

5S Series WD5S1045BW 10.5KG 1400rpm Auto Dosing Freestanding Washer Dryer - White

£499

Series 2 SMS2HVI67G Full Size, 14-Place Setting Dishwasher with Extra Dry - Silver - D Rated

£469

HS642D90WUK Fullsize 14-Place Settings 15-Minute Quick Wash Dishwasher - White

£329

Series 4 KGN392LDFG 203cm 70/30, Frost Free Fridge Freezer - Silver - D Rated

£799

HS642D90XUK Fullsize 14-Place Settings 15-Minute Quick Wash Dishwasher - Stainless Steel

£349

Series 4 KGN362WDFG 187cm 60/40, Frost Free Fridge Freezer - White - D Rated

£699

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

£799

Results: 1 - 23 (of 23)