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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

Up to 30% off your first credit order!

What you need to know
Apply for Very Pay and enter WELCOME at the checkout. 30% off Clothing & Footwear and 20% off all other departments.

Representative 44.9% APR variable

Excludes iPad Air M4, Samsung S26 range, Nintendo Switch 2 consoles, Xbox consoles, iPhone 17 range, Apple Mac Lines, all egg items, Omni by Target Darts, 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:

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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Results: 1 - 30 (of 30)

HDE3211BBUK Electric Cooker with Ceramic Hob - Black

£399

HDG6GDCB1 60cm Gas Double Cooker with Glass Lid - Black

£549

HDD6GDC2B1 60cm Dual Fuel Double Cooker with Glass Lid - Black

£549

SX16730B 60cm Electric Double Oven Ceramic Hob Cooker - Black

£359

HTG5GCB 50cm Gas Twin Cooker - Black

Current sale price is £379

C HSD 82M BB UK 8KG Heat Pump Tumble Dryer - Black

£399

HDG5GCB 50cm Gas Double Cooker - Black

Current sale price is £449

Series 4 NV7B41403AK/U4 76-litre Electric Smart Oven - Black

Current sale price is £489

F MCIDC N602/CA Built-In, Electric, Multifunctional Oven, 65L Capacity, A+ Rated - Black

From £189

RH9HPTD1E12B 9KG Heat Pump Tumble Dryer Black

Current sale price is £399

C YD 92D BB UK 9KG Heat Pump Tumble Dryer with Steam Technology - Black

Current sale price is £349

C YSD 82D BB UK 8KG Heat Pump Tumble Dryer with Steam Technology - Black

Current sale price is £329

Series 4 HQA574BB3B Built-in Electric Single Oven with Pyrolytic Cleaning - Black

Current sale price is £479

F IDC N9B5 L Built-In Electric Multifunctional Oven, 70L Capacity, A+ Rated - Black

Current sale price is From £219

Hi2 BI626PBUPUK Built In Electric Single Pyrolytic Oven - Jet Black

£389

Class 4 SI4S854CBL Air Fry Built-in Electric Oven with Active Steam

From £399

RH8HPTD1E12B 8KG Heat Pump Tumble Dryer Black

Current sale price is £359

Hi6 BlackLine BSA66346PDBGUK Built-In Electric Pyrolytic Steam Add Plus, Wi-Fi Enabled Single Oven - Jet Black

£649

Series 4 HQA534BB3B Built-in Electric Single Oven with Hotair Steam - Black

£399

H6 ID25G3YTB1 78L Single Oven, 25F + WiFi, Pyro clean, Graphic UX, Telescopic, Airfry - Black & Black Glass

Current sale price is From £439

RH8HPTD1E12AN 8KG Heat Pump Tumble Dryer Anthracite

Current sale price is £359

HOI68PT1SBUK Class 6 Single Oven with Active Multiflow - Black

From £469

Class 6 ActiveMultiflow HOI68CT0SBUK Electric Single Fan Oven with Air Fry and GentleSteam - Black

From £469

Hi4 BlackLine BI64221PDBG 77L Built In Electric Single Pyrolytic Oven - Jet Black

£449

Hi8 BlackLine BAS6AH8BUKWF 77L Built In Electric Single Steam Oven - Jet Black

£749

H6 ID2P3T3HTB Single Oven - Black

Current sale price is From £289

RH9HPTD1E12AN 9KG Heat Pump Tumble Dryer Anthracite

Current sale price is £409

Hi6 BlackLine BSA66346ADBGUK Built-In Electric Single Oven - Steam Add Plus, Wi-Fi Enabled - Jet Black

£549

H6 ID25G3HTB1 78L Single Oven, 25F + WiFi, Steam clean, Graphic UX, Telescopic - Black & Black Glass

Current sale price is From £419

Class 4 ActiveMultiflow HOI4S8PM0BUK Electric Single Fan Oven with Air Fry and DualClean - Black

From £429

Results: 1 - 30 (of 30)