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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

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.

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AMD Ryzen 7 9800X3D, RTX 5080, 32GB DDR5 RAM, 2TB M.2 NVMe SSD Gaming Desktop PC

Current sale price is £2599

FV150 Gaming Desktop - GeForce RTX 5070 Ti, Intel Core i5, 32GB RAM, 2TB SSD - Black

£1600

Legion 5 15IRX10 Gaming Laptop - GeForce RTX 5060 - Intel Core i7 - 32GB RAM - 1TB SSD - 15in WQXGA OLED 165Hz

Current sale price is £1399

Vector 16 HX AI Laptop - 17in QHD+ 240Hz, GeForce RTX 5080, Intel Core Ultra 9, 32GB RAM, 1TB SSD - Grey

Current sale price is £2599

AMD Ryzen 7 9800X3D, RTX 5090, 32GB DDR5 RAM, 2TB M.2 NVMe SSD Gaming Desktop PC

Current sale price is £3899

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

Current sale price is £3999

NUC 15 ROG Mini PC - NVIDIA GeForce RTX 5080 - 32GB RAM, 2TB Storage - Windows 11 Home

£3049

Intel Core i9 14900KF, RTX 5090, 32GB DDR5 RAM, 2TB M.2 NVMe SSD Gaming Desktop PC

Current sale price is £3899

LC216 Gaming Desktop - GeForce RTX 5070, Intel Core i7, 32GB RAM, 1TB SSD

Current sale price is £1849

Lumina Gaming Desktop - Intel Core Ultra 9 285K, GeForce RTX 5070 Ti, 32GB RAM, 1TB SSD - Black

£2299

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

£3500

Strix SCAR 18 G834JYR-R6019W Gaming Laptop - 18in 2.5K 240Hz, RTX 4090, Intel Core i9, 32GB RAM, 2TB SSD

Current sale price is £3499

Intel Core i7 14700KF, RTX 5080, 32GB DDR5 RAM, 2TB M.2 NVMe SSD Gaming Desktop PC

Current sale price is £2549

Trigon Gaming Desktop - Intel Core Ultra 7 265KF, GeForce RTX 5070, 32GB RAM, 1TB SSD - Black

£1799

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

£3800

Cypher 710 Gaming Desktop - GeForce RTX 5070 Ti, Intel Core i7, 32GB RAM, 2TB SSD - Black

Current sale price is £2349

ARK Gaming Desktop - GeForce RTX 5070, AMD Ryzen 7, 32GB RAM, 1TB SSD

Current sale price is £2049

Duoface Gaming Desktop - GeForce RTX 5070 Ti, AMD Ryzen 7, 32GB RAM, 2TB SSD - Black

£1900

Fusion 520 Gaming Desktop - GeForce RTX 5070 Ti, AMD Ryzen 7, 32GB RAM, 2TB SSD - Black

Current sale price is £2449

Legion Pro 7 16IAX10H Gaming Laptop - GeForce RTX 5080 - Intel Core Ultra 9 (Series 2) - 32GB RAM - 1TB SSD - 16in WQXGA OLED 240Hz

£3499

ProArt PX13 Laptop - 13.3in OLED Touchscreen WQXGA+, AMD Ryzen AI 9, GeForce RTX 4070, 32GB RAM, 2TB SSD - Black

Current sale price is £1849

MasterBox 600 Gaming Desktop - GeForce RTX 5070 Ti, AMD Ryzen 7, 32GB RAM, 1TB SSD

Current sale price is £2329

Fusion 530 Gaming Desktop - AMD Radeon RX 9070, AMD Ryzen 7, 32GB RAM, 2TB SSD - Black

Current sale price is £2299

Vortex King 95 Gaming Desktop - GeForce RTX 5080, Intel Core i7, 32GB RAM. 2TB SSD - Black

£2500

DDR5 5600 VENG RGB BLK 32GB (2x16GB)

£117

DDR4 3600 VEN RGB PR SL 32GB (2x16GB)

£88

Fusion 560 Gaming Desktop - GeForce RTX 5090, AMD Ryzen 7, 32GB RAM, 2TB SSD

Current sale price is £3999

Zephyrus G 14 Gaming Laptop - 14in WQXGA+, GeForce RTX 5070, AMD Ryzen 9, 32GB RAM, 1TB SSD - Grey

£2299

Duoface Gaming Desktop - GeForce RTX 5070 Ti, Intel Core i7, 32GB RAM, 2TB SSD - Black

£1900

NUC 15 ROG Mini PC - NVIDIA GeForce RTX 5070Ti - 32GB RAM, 1TB Storage - Windows 11 Home

£2359