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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.

Total No Frost, American Style

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Results: 1 - 30 (of 31)

SR750160I 90cm Wide Total No Frost American Style Fridge Freezer - Inox

£459

SR750170I 90cm Wide Total No Frost American Style Fridge Freezer - Inox

£479

SR750100I 84cm Wide, Total No Frost, American-Style Freestanding Fridge Freezer - Inox

Current sale price is £459

HFR5719ENPB 70cm Wide Frost-Free American Fridge Freezer, E Rated - Slate Black

Current sale price is £699

Cube 83 HCR3818ENMG Total No Frost American Fridge Freezer, E-Rated - Inox

Current sale price is £649

SR750100B 84cm Wide, Total No Frost, American-Style Freestanding Fridge Freezer - Black

£479

PureFlat RQ760N4IFE Smart Fridge Freezer - Black Stainless Steel - E rated

Current sale price is £2289

GSLC41PYPE 638L Smart Inverter American-Style Fridge Freezer - Prime Silver

Current sale price is £919

HFR5719EWPB Non-Plumbed Total No Frost American Fridge Freezer with Water Dispenser, E Rated - Slate Black

Current sale price is £749

RF48A401EB4/EU French Style Fridge Freezer with Twin Cooling Plus - E Rated - Gentle Black Matt

Current sale price is £969

SBS 90 HSR5918DIMP Total No Frost American Fridge Freezer with Water & Ice Dispenser, D Rated - Stainless Steel

Current sale price is £969

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

£2219

FD 70 HFR5719ENMG 70cm Wide Frost-Free American Fridge Freezer, E Rated - Stainless Steel

£849

HSR3918ENPG Total No Frost American Fridge Freezer, Non-Plumbed, E Rated - Silver

Current sale price is £699

HCR7918EIMP Plumbed Total No Frost American Fridge Freezer with Water Dispenser, E Rated - Platinum Inox

Current sale price is £1999

Cube 90 HCR5919ENMB Total No Frost American Fridge Freezer, E Rated - Black

Current sale price is £899

RF48A401EM9/EU French Style Fridge Freezer with Twin Cooling Plus - E Rated - Gentle Silver Matt

£1299

Series 9 RH69B8931S9/EU American Fridge Freezer with Beverage Center™ - E Rated - Matte Stainless

£2439

GMM41MSBEM 482L Inverter Compressor Multi-Door American Fridge Freezer - Silver

Current sale price is £939

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

£2169

InstaView ThinQ GSXV90BSAE Wifi Connected American-Style Fridge Freezer - Stainless Steel - E Rated

£2299

HPG26574WXBR5UK - Dual No Frost Side-by-side Fridge Freezer - Dark Silver

Current sale price is £1149

HPG26583WXP4UK Dual No Frost with FreshShield - Titanium Inox

£879

InstaView GSXE90BSAD 628L Smart Inverter American-Style Fridge Freezer - Brushed Steel

£2299

Series 8 RS68A884CB1/EU American-Style Fridge Freezer with SpaceMax™ Technology - C Rated - Black Stainless Steel

Current sale price is £2169

HPG26592XP4UK Dual No Frost with Touch Display - Inox

£799

HSW59F18DIMM Total No Frost American Fridge Freezer, Plumbed, D-Rated - Inox

£1499

Cube 90 HCR5919ENMP Total No Frost American Fridge Freezer, E Rated - Stainless Steel

Current sale price is £1059

HSR3918ENPG Total No Frost American Fridge Freezer, E Rated - Silver

£849

HPG26573WXP4UK - Dual No Frost Side-by-side Fridge Freezer - Silver

Current sale price is £929

Results: 1 - 30 (of 31)