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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

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.

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Pay later with Very Pay

Free Click & Collect

Free returns

Shop the brands you love

Pay later with Very Pay

Up to 60% off Sale!

Up to 60% off Sale!

All Offers, Technology & Gaming, bhs, d squared, evolution, hackett, hunter, MSI, oex, sensse, VTech

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PRO MP271 E14A 27" Full HD 144Hz IPS HDR Ready Adaptive-Sync Monitor

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MAG 274CXF 27-inch, Full HD, 280Hz, Rapid VA, 0.5ms, Adaptive Sync, Curved Gaming Monitor

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PRO MP341CQ 34-inch, Quad HD, 100Hz, AMD Freesync, Curved Gaming Monitor with Built-in Speakers

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B850M Gaming Plus Wifi6E Motherboard

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MPG 341CQR QD-OLED X36 34-inch UWQHD 360Hz 0.03ms Adaptive-Sync Gaming Monitor

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MAG 274QF 27 inch, WQHD, 180Hz, 0.5ms, Rapid IPS, Adaptive Sync Gaming Monitor - Black

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MAG Coreliquid A13 360 Cooler

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MAG 321CQF E18 32-inch, WQHD, 180Hz, 0.5ms, Adaptive Sync 1000R Curved Gaming Monitor

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MAG 322URDF E16 32-inch, 4K UHD, Dual Mode 160Hz 4K/320Hz FHD, Rapid IPS, Adaptive Sync Gaming Monitor

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PRO MP273Q E14 27" WQHD 144Hz IPS HDR Ready Adaptive-Sync Monitor

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Cyborg 15 B2RWEKG - GeForce RTX 5050 - Intel® Core™ 7 240H - 16GB RAM - 512GB SSD - 15.6in - FHD 144Hz IPS - Grey

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Forge GK600 TKL Wireless RGB Mechanical Gaming Keyboard - Sky

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MAG 271QP QD-OLED X28 27-inch, QD-OLED, WQHD, 280Hz, 0.03ms, Adaptive Sync Gaming Monitor

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PRO MAX 241PHW E14 24" Full HD 144Hz IPS Adaptive-Sync HDR Ready Monitor

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MAG Pano M100R PZ Case - White

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PRO MAX 271PHW E14 27" Full HD 144Hz IPS Adaptive-Sync HDR Ready Monitor

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MAG Pano M100R PZ Case - Black

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MAG Coreliquid A13 240 Cooler

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MAG Pano 110R PZ Case - White

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PRO MP245PDG E14 24" Full HD 144Hz HDR Ready Adaptive-Sync Monitor

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MAG 274F 27-inch, Full HD, 200Hz, Rapid IPS, 0.5ms, Adaptive Sync Gaming Monitor

Current sale price is £119

Modern MD342CQPW - 34in - UWQHD - 120Hz - Curved Monitor - White

Current sale price is £249

MAG 274QPF X30MV 27-inch, Mini-LED, WQHD, 300Hz, Rapid VA, Adaptive-Sync Flat Gaming Monitor

Current sale price is £299

MAG Coreliquid A13 360 Cooler - White