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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.

Easter deals!

Bank Holiday Deals, Technology & Gaming, flat

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ROG Strix G16 Gaming Laptop - 16in WUXGA, GeForce RTX 5070 Ti, AMD Ryzen 9, 16GB RAM, 1TB SSD - Grey

Current sale price is £1749

Strix Gaming Laptop - GeForce RTX 5070 Ti - Intel Core Ultra 9 - 32GB RAM - 1TB SSD - 18in WQXGA - Grey

Current sale price is £2299

DU9000 98-inch Crystal UHD 4K TV with Alexa - UE98DU9000

Current sale price is £1399

75V6C, Direct LED TV, 4K HDR TV, Smart TV Powered by Google TV

Current sale price is £425

Strix Gaming Laptop - GeForce RTX 5080 - 16in WQXGA (240Hz) - Intel Core Ultra 9 - 32GB RAM - 2TB SSD - Black

Current sale price is £2699

UA73 65" ThinQ LED 4K HDR Smart AI TV 2025 - 65UA73006LA.AEKQ

Current sale price is £409

Galaxy Book4 360 (2024) Touchscreen Laptop - 15.6in FHD, Intel Core 5, 8GB RAM, 256GB SSD - Grey

Current sale price is £829

QN70F 65-inch Neo QLED 4K Vision AI Smart TV - QE65QN70F

Current sale price is £899

Q7F 75-inch QLED 4K Vision AI Smart TV - QE75Q7FA

Current sale price is £849

98C6K-UK, C6K Premium QD-Mini LED TV - 144HZ MINI NEW - Google

Current sale price is £1499

QEF1 65-inch QLED 4K Vision AI Smart TV - QE65QEF1

Current sale price is £549

S95F 55-inch OLED 4K Vision AI Smart TV - QE55S95F

Current sale price is £1699

QN90F 65-inch Neo QLED 4K Mini LED Vision AI Smart TV - QQE65QN90F

Current sale price is £1399

Q7F 55-inch QLED 4K Vision AI Smart TV - QE55Q7FA

Current sale price is £409

Q7F 85-inch QLED 4K Vision AI Smart TV - QE85Q7FA

Current sale price is £1149

85T6C 85" QLED 4K HDR Fire Smart TV with Freely - 85T6C-UK

Current sale price is £799

QEF1 55-inch QLED 4K Vision AI Smart TV - QE55QEF1

Current sale price is £399

QN70F 55-inch Neo QLED 4K Vision AI Smart TV - QE55QN70F

Current sale price is £649

IdeaPad Chrome Duet 11M889 - 11in WUXGA IPS - Mediatek - 8GB RAM - 128GB SSD - Grey

Current sale price is £279

PF650K 65" LED 4K HDR PRO Smart Fire TV with Freely - 65PF650K

Current sale price is £360

S85F 55-inch OLED 4K Vision AI Smart TV - QE55S85F

Current sale price is £949

55UV2F53DBU 55-inch 4K Ultra HD Smart TV - TRU Resolution, TRU Micro Dimming, HDR10, Dolby Audio

Current sale price is £279

Q7F 50-inch QLED 4K Vision AI Smart TV - QE50Q7FA

Current sale price is £389

QEF1 75-inch QLED 4K Vision AI Smart TV - QE75QEF1

Current sale price is £799

QNED80 65" 4K HDR QNED evo AI MiniLED Smart AI TV - 65QNED80A6A.AEK

Current sale price is £699

55C6KS 55" QD MiniLED 4K HDR Google Smart TV - 55C6KS-UK

Current sale price is £359

75C6KS-UK, 75-inch C6KS Premium QD-Mini LED 60HZ Smart Google TV

Current sale price is £675

LS03F 50-inch The Frame QLED AI Smart TV with Art Mode & Wall Mount - QE50LS03F

Current sale price is £829

QN90F 55-inch Neo QLED 4K Mini LED Vision AI Smart TV - QE55QN90F

Current sale price is £999

S93F 55-inch OLED 4K Vision AI Smart TV - QE55S93F