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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 for up to 12 months depending on how much you spend. 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 to 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, 11.6in, 15.6in, Grey

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IdeaPad Flex 3i Chromebook - 15.6in FHD, Intel Pentium, 8GB RAM, 128GB SSD - Grey

£449

IdeaPad Slim 3 15IAN8 - 15.6in FHD IPS - Intel Core i3 - 8GB RAM - 128GB SSD - Grey

Current sale price is From £269

Tab Plus 11.5" 128GB - Grey

Current sale price is £189

LOQ 15IAX9E - GeForce RTX 4050 - Intel Core i5 - 16GB RAM - 1TB SSD - 15.6in FHD IPS Gaming Laptop

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IdeaPad Slim 3 15IAH8 - 15.6in FHD - Intel Core i5 - 8GB RAM - 512GB SSD - Grey - With Microsoft 365 Personal 12mth

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Chromebook Plus 515 CB515-2H - 15.6in FHD - Intel Core i3-1215U - 8GB RAM - 256GB SSD - Iron

Current sale price is £299

IdeaPad 1 15AMN7 Laptop - 15.6in FHD, AMD Ryzen 3, 8GB RAM, 128GB SSD - Grey

From £399

Galaxy Book4 (2024) - 15.6in, Intel Core 3, 8GB RAM, 256GB Storage - Grey

Current sale price is From £549

IdeaPad 1 15AMN7 Laptop - 15.6in FHD IPS, AMD Ryzen 5, 16GB RAM, 512GB SSD - Grey

From £549

Galaxy Book4 (2024) - 15.6in, Intel Core 5, 8GB RAM, 256GB Storage - Grey with M365 Personal and Norton 360 Included (12 mths)

£849

IdeaPad Slim 3 15IAN8 - 15.6in FHD - Intel N100 - 4GB RAM - 128GB SSD - Grey

From £279

IdeaPad 3 Chromebook 15IJL6 - 15.6in FHD - Intel Pentium Silver - 8GB RAM - 128GB SSD - Grey

Current sale price is £249

Galaxy Book4 Laptop - 15.6in FHD, Intel Core i5, 16GB RAM, 512GB SSD - Grey

£799

Thin 15 Gaming Laptop - 15.6in FHD, GeForce RTX 4050, Intel Core i7, 16GB RAM, 512GB SSD - Grey

£999

LOQ 15IAX9 - GeForce RTX 4050 - Intel Core i5 - 24GB RAM - 1TB SSD - 15.6in FHD IPS Gaming Laptop

£849

Pad V9

£399

Chromebook Plus - 15.6in FHD - Intel Core i3 - 8GB - 256GB - Grey

£399

Chromebook - 15.6in FHD - Intel Celeron - 4GB - 64GB - Grey

£249

LOQ 15ARP9 - GeForce RTX 3050 - AMD Ryzen 5 - 24GB RAM - 1TB SSD - 15.6in FHD IPS Gaming Laptop

£799

Tab Plus 11.5" 256GB with Clear Case - Grey

£349

Galaxy Book5 360 Copilot+ PC (2025) - 15.6in FHD AMOLED Touchscreen, Intel Core Ultra 5 (Series 2), 16GB RAM, 512GB SSD - Grey

£1349

Aspire 5 A515-48M Laptop - 15.6in FHD - AMD Ryzen 7 7730U - 16GB RAM - 1TB SSD - Iron

From £699

Thin 15 Gaming Laptop - GeForce RTX 4050 - Intel Core i5 - 16GB RAM - 512GB SSD - 15.6in FHD - Grey

£899

Galaxy Book4 (2024) - 15.6in, Intel Core 5, 8GB RAM, 256GB Storage - Grey

£749

Galaxy Book4 Laptop - 15.6in FHD, Intel Core i5, 8GB RAM, 512GB SSD - Grey

From £699

Pad X9a 11.5 Inch 128GB Wi-Fi-Grey

£199.99

IdeaPad SLIM 3 15ABR8 - 15.6in FHD - AMD Ryzen 7 - 8GB RAM - 512GB SSD

From £629

LOQ 15IAX9 - GeForce RTX 3050 - Intel Core i5 - 16GB RAM - 1TB SSD - 15.6in FHD IPS Gaming Laptop

£799

Galaxy Book5 360 Copilot+ PC (2025) - 15.6in FHD AMOLED Touchscreen - Intel Core Ultra 5 (Series 2) - 16GB RAM, 256GB SSD - Grey

£1249