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Pay later with Very Pay

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Silentnight Summer Breeze Cooling Summer Duvet And Pillowcase Set - 2.5 Tog - Grey/Blue

Summer Breeze Cooling Summer Duvet And Pillowcase Set - 2.5 Tog - Grey/Blue

Current sale price is From £19

(Save up to £6)

Regular price was From £24

5 out of 5 stars

9 reviews

rucomfy Kids Snuggle Chair Beanbag

+1 colour

Available in pink, oat, green, grey coloursAvailable in pink, oat, green, grey coloursAvailable in pink, oat, green, grey coloursAvailable in pink, oat, green, grey coloursAvailable in pink, oat, green, grey colours

Kids Snuggle Chair Beanbag

Current sale price is £45

(Save £15)

Regular price was £60

5 out of 5 stars

1 review

Silentnight Summer Breeze Cooling Summer Duvet - 1.0 Tog

Summer Breeze Cooling Summer Duvet - 1.0 Tog

Current sale price is From £16

(Save up to £6)

Regular price was From £20

5 out of 5 stars

2 reviews

The Very Collection Freya Abstract Rug - Grey

The Very Collection

Freya Abstract Rug - Grey

Current sale price is From £52

(Save up to £24)

Regular price was From £65

5 out of 5 stars

2 reviews

rucomfy Small Kids Beanbag - Indoor/Outdoor

Available in pink, grey, light grey coloursAvailable in pink, grey, light grey coloursAvailable in pink, grey, light grey coloursAvailable in pink, grey, light grey coloursAvailable in pink, grey, light grey colours

Small Kids Beanbag - Indoor/Outdoor

Current sale price is From £25

(Save up to £5)

Regular price was From £30

5 out of 5 stars

1 review

The Very Collection Cadiz Blends Rug - Neutral

The Very Collection

Cadiz Blends Rug - Neutral

Current sale price is From £32

(Save up to £14)

Regular price was From £40

5 out of 5 stars

2 reviews

Maestro Navy Rug

Maestro Navy Rug

Current sale price is From £32

(Save up to £20)

Regular price was From £40

5 out of 5 stars

14 reviews

The Very Collection Cadiz Traditional Rug - Grey

The Very Collection

Cadiz Traditional Rug - Grey

Current sale price is From £32

(Save up to £14)

Regular price was From £40

5 out of 5 stars

2 reviews

The Very Collection Echo Traditional Rug

Available in blue, ivory coloursAvailable in blue, ivory coloursAvailable in blue, ivory coloursAvailable in blue, ivory coloursAvailable in blue, ivory colours

The Very Collection

Echo Traditional Rug

Current sale price is From £40

(Save up to £19)

Regular price was From £50

5 out of 5 stars

1 review

rucomfy Frilled Striped Pouffe Beanbag

Available in blue, pink, green coloursAvailable in blue, pink, green coloursAvailable in blue, pink, green coloursAvailable in blue, pink, green coloursAvailable in blue, pink, green colours

Frilled Striped Pouffe Beanbag

Current sale price is £50

(Save £15)

Regular price was £65

5 out of 5 stars

1 review

rucomfy Cube Indoor/Outdoor Beanbag

Available in blue, pink coloursAvailable in blue, pink coloursAvailable in blue, pink coloursAvailable in blue, pink coloursAvailable in blue, pink colours

Cube Indoor/Outdoor Beanbag

Current sale price is £27

(Save £5)

Regular price was £32

5 out of 5 stars

1 review

Asiatic Muse Herritage Pink Rug

Muse Herritage Pink Rug

Current sale price is From £31

(Save up to £44)

Regular price was From £39

5 out of 5 stars

6 reviews

rucomfy Indoor/Outdoor Adult Slouchbag Beanbag

Available in blue, pink, green coloursAvailable in blue, pink, green coloursAvailable in blue, pink, green coloursAvailable in blue, pink, green coloursAvailable in blue, pink, green colours

Indoor/Outdoor Adult Slouchbag Beanbag

Current sale price is £55

(Save £15)

Regular price was £70

5 out of 5 stars

2 reviews

Asiatic Muse Tribal Bright Rug - Multi

Muse Tribal Bright Rug - Multi

Current sale price is From £31

(Save up to £44)

Regular price was From £39

5 out of 5 stars

2 reviews

The Very Collection Juno Multi Geo Gold and Blue Rug

The Very Collection

Juno Multi Geo Gold and Blue Rug

Current sale price is From £36

(Save up to £15)

Regular price was From £45

5 out of 5 stars

4 reviews

The Very Collection Newport Spring Rug - Natural

The Very Collection

Newport Spring Rug - Natural

Current sale price is From £60

(Save up to £26)

Regular price was From £75

5 out of 5 stars

1 review

Asiatic Muse Retro Orange Rug

Muse Retro Orange Rug

Current sale price is From £29

(Save up to £60)

Regular price was From £39

5 out of 5 stars

1 review

The Very Collection Juno Geometric Blue Blend Rug

The Very Collection

Juno Geometric Blue Blend Rug

Current sale price is From £36

(Save up to £15)

Regular price was From £45

5 out of 5 stars

3 reviews

Freya Patterned Grey Rug

Freya Patterned Grey Rug

Current sale price is From £52

(Save up to £24)

Regular price was From £65

5 out of 5 stars

1 review

The Very Collection Arrow Wool Rug - Grey

The Very Collection

Arrow Wool Rug - Grey

Current sale price is From £96

(Save up to £64)

Regular price was From £120

5 out of 5 stars

5 reviews

The Very Collection Villa Multicoloured Stripe Rug - Multi

The Very Collection

Villa Multicoloured Stripe Rug - Multi

Current sale price is From £32

(Save up to £26)

Regular price was From £40

5 out of 5 stars

21 reviews

The Very Collection My Washable Florence Runner 67 x 200 cm - Blue/Cream

The Very Collection

My Washable Florence Runner 67 x 200 cm - Blue/Cream

Current sale price is £30

(Save £10)

Regular price was £40

5 out of 5 stars

6 reviews

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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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© The Very Group Limited. All Rights Reserved.

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.