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Free standard home delivery on orders £75+

Expected delivery: Usually within 3-5 days (excluding Sundays and bank holidays).

Excludes large items.

Standard home delivery £3.99 on orders less than £75.

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.

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.

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.

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

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.

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Shop early Black Friday deals with Price Promise

Shop early Black Friday deals with Price Promise

All Offers, Cool Maker, gund, Haier, MCM, Nintendo Switch, Replay, Tile Town, White Stuff, winfun

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US Style HFR58S18DWMB French Series 5, 83cm - Brushed Black

Current sale price is £649

Series 3 HTR3518ENMWK 3 Door 55 cm Total No Frost 60/40 Fridge Freezer, E Rated - Black Glass

Current sale price is £424

Horizon HCW79F18CHMB Total No Frost, Multi-door American Fridge Freezer, Obsidian Steel, C Rated, Wifi

Current sale price is £1199

HFR5719ENPB 70cm Wide Frost-Free American Fridge Freezer, E Rated - Slate Black

Current sale price is £649

Series 4 HAVG6BF4TBPB 60cm Gas Hob, 4 Burners, Black Glass

Current sale price is £254

X Series 5 HWD120BP14357GUK 12kg / 8kg Washer Dryer, 1400 rpm, A Rated Wash, D Rated Wash & Dry, Wifi - Graphite

Current sale price is £594

X Series 5 HWD90BP14357GTUK X - 9+5kg Graphite

Current sale price is £479

90 Series 7 HSPR79F18EWMB Non-Plumbed, Total No Frost, American Fridge Freeze - Black

Current sale price is £999

X Series 5 HW100-BP14357UUK 10kg Washing Machine with 1400 rpm spin, WiFi Connected, White, A Rated

Current sale price is £349

HSW59F18DIMM Total No Frost American Fridge Freezer, Plumbed, D-Rated - Inox

Current sale price is £1199

X Series 7 HWD100B14367GUUK 10kg / 6kg Washer Dryer, 1400 rpm, Wifi, Graphite, D Rated (Wash & Dry), A Rated (Wash Only) - Graphite

Current sale price is £584

X Series 7 HWD100B14367UUK 10kg / 6kg Washer Dryer, 1400 rpm, Wifi, White, D Rated (Wash & Dry), A Rated (Wash Only) - White

Current sale price is £574

I-Clean Series 4 HATS9CBS4B 90cm Chimney Cooker Hood, Black

Current sale price is £394

Series 5 HMB5A Home Barista Hot Drinks Machine & Frother

Current sale price is £69

I-Clean Series 4 HATS6CBS4B 60cm Chimney Cooker Hood, Black

Current sale price is £349

Anbass Slim Hyperflex Jeans - Khaki

Current sale price is £80

X Series 5 HD100-D357U1-UK - 10kg White

Current sale price is £449

X Series 5 HWD120BP14357UUK - 12+8kg White

Current sale price is £579

Grover Slim Straight Jeans - Light Blue

Current sale price is £135

Womens New Luz Mid Rise Stretch Bootcut Jeans - Blue

Current sale price is £112.50

Womens Becka Mid Waist Flared Jeans - Blue

Current sale price is £128

Womens Joella Flare Mid-Rise Stretch Jeans - Blue

Current sale price is £128

Womens Cary Wide Leg Stretch Jeans - Blue

Current sale price is £104

Bootcut Jean - Light Blue

Current sale price is £120

Womens High Neck Ribbed Trim Jumper - Brown

Current sale price is £104

Janie Barrel Jean - Blue