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Spread the cost of any new purchase into 3. Make 3 payments, over 3 months, and pay no interest
How
Take 3 is automatically applied to everything you buy, so you don't need to do anything.
Simply go shopping and add your purchases to your account and we'll work out your
Take 3 payment for you. All you need to do is pay the Take 3 amount shown on your
statement on time and pay no interest.
Key features
Available on any purchase, every time you shop
There's no extra cost, none at all
You'll only pay interest if you choose not to complete payment
in 3 monthly instalments
Take 3 is exclusive to very.co.uk
If you decide you want to take a little longer to pay, you can. Just make your minimum payment. Find out more.
Credit provided, subject to 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.
Very Pay gives you a choice of ways to 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 7% 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.
Very Pay gives you a choice of ways to 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 7% 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 42.9% APR variable
(annual interest rate of 42.9% variable).
A personalised credit limit, typically £1,000. You may be offered other promotional interest
rates.
