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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, PlayStation 5 consoles, 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.

Up to 40% off

All Offers, Appliances, £750-£1000

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Results: 1 - 30 (of 31)

Eletta Explore Bean to Cup Coffee Machine with Cold Brew Technology ECAM450.86.TB

Current sale price is £887

RS694N4TBE 90cm Wide Side by Side, Non-Plumbed Water and Ice, American Fridge Freezer - Black

Current sale price is £799

Omni S1 Pro Robot Vacuum Cleaner with Mop

Current sale price is £799

Aqua10 Ultra Roller Robot Vacuum & Mop

Current sale price is £829

V16 Piston Animal Submarine™ Wet and Dry Vacuum Cleaner

Current sale price is £769

Z60 Ultra Roller Complete Robot Black

Current sale price is £849

Hi8 BlackLine BIM4AH8UKWF 50L Built-in Multifunctional Electric Single Oven with Microwave Function - Jet Black

Current sale price is £949

HSW59F18EIPT Plumbed Frost Free American Fridge Freezer, Black, E Rated

Current sale price is £899

Series 7 WD11DB7B85GBU1 11kg Load, 6kg Dry, 1400 Spin Washer Dryer with Auto Dose and Auto Optimal Wash

Current sale price is £929

RF749N4SWSE Pureflat 90cm French Door, American Fridge Freezer - Stainless Steel

Current sale price is £999

Series 6 RS57DG400EM9 American-Style Smart Fridge Freezer with SpaceMax™ technology - Gentle Silver Matt

Current sale price is £899

KitchenFit Eclipse Series RL5K370GSFC Wifi connected Total No Frost Tall Fridge - Black Stainless Steel - C rated

Current sale price is £899

Series 9 AI Home WF90F09C4SU1 9kg Load 1400rpm Spin Smart Washing Machine - Dark Silver

Current sale price is £999

Bespoke Jet Bot Combo AI+, Wet & Dry Robot Vacuum Cleaner

Current sale price is £999

Series 7 SpaceMax RS57DG410EB4EU 578-Litre, Smart American Fridge Freezer with SpaceMax Technology - Black

Current sale price is £999

Bespoke Jet AI Ultra, Max 400W Suction Power Smart Cordless Vacuum Cleaner with AI Cleaning, Satin Black

Current sale price is £799

KitchenFit Eclipse Series FT5K310GSFC Wifi connected Total No Frost Tall Freezer - Black Stainless Steel - C rated

Current sale price is £899

RS818N4TFE 91cm Wide Pureflat Fridge Freezer with Water & Ice Dispenser - Black

Current sale price is £899

RS818N4TIE Pureflat Infinite series, 90cm Wide Side by Side, American Fridge Freezer - Stainless Steel

Current sale price is £899

HDPW5620ANPD 70/30 Total No Frost Fridge Freezer, A-Rated, Wifi - Inox

Current sale price is £849

RQ758N4SASE Pureflat 90cm Cross Door, American Fridge Freezer - Stainless Steel

Current sale price is £949

HBW7518CTK Refrigeration Combi Fridge Freezer White

Current sale price is From £899

Series 8 RB50DG632ES9EU 505-litre Smart Combi Fridge Freezer with Spacemax Technology - Silver

Current sale price is £899

BRR29600EWW/EU Built-in One Door Fridge with SpaceMax Technology - White

Current sale price is £899

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

Current sale price is £899

Series 8 AI Energy WW11DB8B95GHU1 11kg Load, 1400 Spin Washing Machine with QuickDrive, Auto Optimal Wash and SpaceMax - White

Current sale price is £829

Series 7 RS57DG410EM9EU 578-Litre, Smart American Fridge Freezer with SpaceMax Technology - Silver

Current sale price is £999

SBS 90 HSR5918DIMP Total No Frost American Fridge Freezer with Water & Ice Dispenser, D Rated - Stainless Steel

Current sale price is £919