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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, 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.

Extra 15% off selected

10% off Hotpoint, Appliances, All Offers

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Results: 1 - 30 (of 34)

HPG26573WXP4UK - Dual No Frost Side-by-side Fridge Freezer - Silver

Current sale price is £749

H6V5KMX/UK - Electric Single Cooker with Multiflow Technology - Silver

Current sale price is £419

DIH 10D B - Double Oven - Black

Current sale price is From £339

HDE6IDC2B1 - Electric Double Cooker - Black

Current sale price is £629

HDE6VDW - Electric Double Cooker - White

Current sale price is £429

HTSD18A011A1 Integrated Fridge - Stainless Steel

Current sale price is From £406

NDB9635BSUK D|B 9+6KG 1400rpm Washer-Dryer - Black & Silver

Current sale price is £439

HTSD18F013H1 Integrated Tall Freezer - White

Current sale price is From £549

HDG5GCX 50cm Gas Double Cooker - Stainless Steel

Current sale price is £469

HPKH1261XBR4UK Fridge Freezer - Dark Grey

Current sale price is £349

HD7FHP33UK 15 Place Full Size Freestanding Dishwasher - White

Current sale price is £379

HPKH1261WXBR4UK Fridge Freezer - Dark Grey

Current sale price is £379

SH6A2QWR Low Frost Tall Larder Fridge - White

Current sale price is £409

HDE5VDCW - Electric Double Cooker - White

Current sale price is £399

C HSD 82M GG UK 8KG Heat Pump Tumble Dryer - Dark Grey

Current sale price is £369

HPG26574WXBR5UK Dual No Frost Side-by-side Fridge Freezer - Dark Silver

Current sale price is £859

HPK26363WXP4UK Dual No Frost with Even Flow - Inox

Current sale price is £429

C HSD 82M WW UK 8KG Heat Pump Tumble Dryer - White

Current sale price is £369

SH6A2QGR Low Frost Tall Larder Fridge - Graphite

Current sale price is £439

DropProtect PHVS61FLTDPK 60cm Cooker Hood - Black

Current sale price is £319

HPKH1262B4UK Integrated Fridge Freezer - White

Current sale price is From £449

DUH 10D IX Electric Fan Double Oven - Stainless Steel

Current sale price is From £379

H7FHP43X -15 Place Setting 9.5L C Rated - Dish-Washers - Stainless Steel

Current sale price is £369

HPG26583WXP4UK Dual No Frost Fridge Freezer with FreshShield - Titanium Inox

Current sale price is £649

H7FHS41 Fullsize 15 Place Setting Freestanding Dishwasher - Silver

Current sale price is £399

FabricCare C HD 94M WBS UK 9KG Heat Pump Tumble Dryer with HomeWhiz - White

Current sale price is £449

HPKF6353XP4UK - Total No Frost Fridge Freezer - Silver

Current sale price is £449

HPGF6544X4UK Total No Frost 4-Door Fridge Freezer with VitalCare - Inox

Current sale price is £859

C HD 93M WWS UK 9KG Heat Pump Tumble Dryer - White

Current sale price is £399