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20% off your first credit order

When you apply for Very Pay. Exclusions apply.

Representative 44.9% APR variable

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.

Technology & Gaming, Customer Rating 5, Black, Android, Windows

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Results: 1 - 22 (of 22)

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

Current sale price is £699

Eurus Bundle - AMD Ryzen 5 - 8GB - 500GB - Black

Current sale price is £549

X6c

£129

Blaze Bundle - GeForce RTX 4060 - AMD Ryzen 5 - 16GB - 1TB - Black

Current sale price is £899

Nitro N50-650 Gaming Desktop - GeForce RTX 4060, Intel Core i5-13400F, 16GB RAM, 512GB SSD - Black

£899

Aspire C22-1610 AIO Desktop - Intel Core i3 N305, 8GB, 512GB SSD, 21.5" Full HD, Windows 11, Black

Current sale price is £399

Magic V3 5G - 12GB RAM, 512GB Storage, Black

Current sale price is £1299

Pulse 16 AI - GeForce RTX 4070 - Intel Core Ultra 9 - 16GB RAM - 1TB SSD - Black

Current sale price is £1249

Cypher 760 Gaming Desktop - GeForce RTX 5090, 14th Gen Intel i9, 32GB RAM, 2TB SSD

Current sale price is £3799

Blaze Bundle - GeForce RTX 3050 - AMD Ryzen 5 - 16GB - 500GB - Black

Current sale price is £729

Duoface Gaming Desktop - GeForce RTX 5090, Intel Core i7, 32GB RAM, 2TB SSD - Black

£3500

MX360 Gaming Desktop - AMD Ryzen 5 - 8GB RAM 500GB SSD - Black

£429

Uniface Gaming Desktop - GeForce RTX 3050 - AMD Ryzen 5 - 16GB RAM 1TB SSD - Black

£629

Skyline - 8GB RAM, 256GB Storage, Black

Current sale price is £299

Fusion 120 Gaming Desktop - NVIDIA GeForce RTX 3050, AMD Ryzen 5, 16GB RAM, 1TB SSD

Current sale price is £749

Vortex King 95 Gaming Desktop - GeForce RTX 5090, AMD Ryzen 7, 32GB RAM, 2TB SSD - Black

£3800

ROG Strix Gaming Laptop - GeForce 5080 - 18in WQXGA (240Hz) - Intel Core Ultra 9 - 32GB RAM - 2TB SSD - Black

£3699

Zenbook Copilot+ PC - AMD Ryzen AI 5 - 16GB RAM - 1TB SSD - 14in WQXGA+ - Black

Current sale price is From £879

Fusion 150 Gaming Desktop - AMD RADEON RX 7600, AMD Ryzen 5, 16GB RAM, 1TB SSD

Current sale price is £849

Pulse 17 AI Gaming Laptop - 17.3in QHD+, RTX 4060, Intel Core Ultra 9, 16GB RAM, 1TB SSD

£1799

Surface Laptop Copilot+ PC Qualcomm Snapdragon X Elite, 16GB RAM, 1TB 15in OLED - Black

£1749

Modern 15 H B13M Laptop - 15.6in FHD, Raptor Lake i7, 16GB RAM, Iris Xe Graphics, 512GB SSD - Classic Black

£849

Results: 1 - 22 (of 22)

20% off your first credit order