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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, PlayStation 5 consoles, 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.

Up to 30% off

Technology & Gaming, Acer, black and decker, dsquared2, Fitbit, forgefix, Intel, lascal, Sharp, suncast

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Results: 1 - 30 (of 86)

Versa 4 Fitness Smartwatch - built-in GPS, 6-day battery life, Android & iOS compatible - Waterfall Blue/Platinum Aluminium

£179

Nitro V15 Gaming Laptop - GeForce RTX 5050 - Intel Core i5 - 16GB RAM - 1TB - 15.6in

£899

SHARP HD2225K 32-inch Roku Smart TV HDR10 LED with Freely- 1T-C32HD2225KB

Current sale price is £149

Nitro ED320QRS3 - 31.5in FHD VA - 180Hz - Curved Gaming Monitor

Current sale price is £149

Sense 2, Health and Fitness Smartwatch

£219

SHARP HJ4225K 50-inch 4K Ultra HD Roku Smart TV with Freely- 4T-C50HJ4225KB

£299

SHARP HD2225K 40-inch Full HD Roku Smart TV HDR10 with Freely- 2T-C40HD2225KB

£199

SHARP GK4245K 70-inch 4K Ultra HD Smart TV with Freely- 70GK4245K

£649

Aspire Go 15 - 15.6in - Intel Core i5 - 16GB RAM - 512GB - Silver

From £599

Nitro V17 Gaming Laptop - GeForce RTX 5060 - AMD Ryzen 7 - 16GB RAM - 1TB - 17.3in

£1199

Nitro 18 Gaming Laptop - GeForce RTX 5070 Ti - AMD Ryzen AI 7 - 16GB RAM - 1TB - 16in

Current sale price is £1699

SHARP HD2225K 24-inch Roku Smart TV HDR10 LED with Freely- 1T-C24HD2225KB

£139

Nitro N20-101 Gaming Desktop - GeForce RTX 5050 - Intel Core 5 - 16GB RAM - 512GB - Black

Current sale price is £799

Chromebook Plus 514 - 14in FHD+, Intel Core i3, 8GB RAM, 256GB SSD - Iron

£399

Nitro V15 Gaming Laptop - GeForce RTX 3050 - Intel Core i5 - 16GB RAM - 512GB - 15.6in

£749

Nitro V15 Gaming Laptop - GeForce RTX 4050 - Intel Core i5 - 16GB RAM - 512GB - 15.6in

£799

Nitro V15 Gaming Laptop - GeForce RTX 5060 - Intel Core i5 - 16GB RAM - 1TB - 15.6in

£999

Predator XB323QKV4bmiiprx - 31.5in IPS 4K UHD - Gaming Monitor

Current sale price is £449

Inspire 3 - Black/Midnight Zen Health and Fitness Tracker with up to 10-days battery life. Android and iOS compatible

£84.99

Charge 6 - Porcelain Band / Silver Aluminum Case

£139

Predator X49Xbmipphuzx X Series - 49in Ultrawide Curved Gaming Monitor - Dual QHD OLED - 240 Hz - Black

£1099

Predator - 27in OLED - QHD - 280 Hz - Gaming Monitor

Current sale price is £399

Nitro V16 Gaming Laptop - 16in WUXGA 165Hz, GeForce RTX 3050, AMD Ryzen 7 8845HS, 16GB RAM, 512GB SSD - Black

Current sale price is £819

SHARP HE3245K 40-inch Full HD QLED Smart TV HDR10 LED with Freely- 2T-C40HE3245KB

Current sale price is £219

Predator Helios Neo Gaming Laptop - GeForce RTX 5070 Ti - Intel Core Ultra 9 (Series 2) - 32GB RAM - 1TB - 16in

£2099

SHARP HK4245K 55-inch 4K Ultra HD Smart TV with Freely- 4T-C55HK4245KB

Current sale price is £369

Core i9 Processor 14900F (36M Cache, up to 5.80 GHz)

£539

Versa 4 (Black/Graphite) Smartwatch with Additional Sports Strap

£179