Home & Garden | Govee | Miracle-Gro | RYOBI | Shabby Chic by Rachel Ashwell | Walplus

Free standard home delivery on orders £75+

Expected delivery: Usually within 3-5 days (excluding Sundays and bank holidays).

Excludes large items.

Standard home delivery £3.99 on orders less than £75.

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.

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.

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.

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

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 home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Get autumn ready - up to 25% off with code AUTUMN

Get autumn ready - up to 25% off with code AUTUMN

Home & Garden, Govee, Miracle-Gro, RYOBI, Shabby Chic by Rachel Ashwell, Walplus

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Black Metro Subway Glossy 3D Tile Sticker 30.5 x 15.4cm (12 x 6 in) - 20pcs in a pack

£22

RY18PS15A-0 18V 15cm Pruning Saw

£100

RB18L50 18V ONE+ Lithium+ 5.0Ah Battery

£100

Smart Lite Multi Colour Corner Floor Lamp With Dynamic Programmes

£89.99

Netflix Matter Supported And Automated Envisual Tv Backlight 3S Suitable For 75-85 Inch Tv

£99.99

5M Multi Colour Wi-Fi + Universal Bluetooth Led Strip Lights With Protective Coating

£39.99

Wire Free Easy Install Multi Colour Round Universal 12 Inch Ceiling Light

£69.99

Envisual Dynamic And Automated Tv Backlight T2 With Dual Cameras Suitable For 55-65 Inch Tv

£117.99

10M Multi Colour Wi-Fi + Universal Bluetooth Led Strip Lights With Protective Coating

£69.99

RMS18190-0 18V Mitre Saw

£274

RY18PCB-0 18V ONE+™ Cordless Patio Cleaner with Scrubbing Brush (Battery + Charger not Included)

£143.99

RLP4-120G USB Lithium Pivoting Light

£55

R18L360-0 One+ 360 Light

£100

18V Circ Saw Local Kit GB2

£160

RAKDD100 100-Piece Drill Bit + Driving Kit

Current sale price is £41

RBCLLR1 10M Red Cross-Line Laser

£66

RY36LT33A-0 36V Cordless 28/33cm Grass Trimmer (Bare Tool)

£120

Terrazzo Holographic Glitter Black Wall Tile Sticker Set - 15cm (6inch) - 24pcs one pack

£10

RVI18-0 High Vol Inflator Pack+Gbox

£40

RCT4-120G Cutting Tool Starter Kit

£74

RY18BLCXA-0 18V Brushless Blower

£115

RR14W4-120G USB Lith Ratchet Wrench

£90

Smart Multi Colour Corner Floor Lamp With Dynamic Programmes

£149.99

RY36CSX40C 36V Cordless Brushless 40cm Chainsaw (Bare Tool)

£255

RY18LT33A-0 One+ Edge Line Trimmer