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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, 56 to 60cm

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H-DRY 350 HRE C10TBER-80 Wifi Connected 10kg Condenser Tumble Dryer, B-Rated - Graphite

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Smart CSE C10LF - 80 10kg Condenser Tumble Dryer - White

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Smart CSEC8LF-80 8kg Load Freestanding Condenser Tumble Dyer, Sensor Dry, Smart enabled, 14 Programmes - White

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Smart CSEC9LF-80 9kg Condenser Tumble Dryer, with Smart Connectivity - White

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HFC3C26WCX UK Full Size 14-Place Dishwasher with Quick Wash and 3D Zone Wash - Silver

Current sale price is £299

HS622E90BUK 13-Place Freestanding Dishwasher - Black

Current sale price is £279

H-DRY 350 HRE C9TBE-80 Wifi Connected 9Kg Condenser Tumble Dryer, B Rated - White

Current sale price is £299

NZ64H37070K/EU 60cm Intuitive Induction Hob - Black

Current sale price is £259

Series 4 SMV4HVX00G Full Size, 14-Place Settings Integrated Dishwasher with Extra Dry - Stainless Steel - D Rated

Current sale price is £479

Series 4 NV7B41403AK/U4 76-litre Electric Smart Oven - Black

Current sale price is £349

RB390N4WBE 60cm Wide, Total No Frost, Freestanding Fridge Freezer - Black

Current sale price is £399

HTW5618EWMG 60/40 Total No Frost Fridge Freezer, E-Rated with Wifi, Water Dispenser - Silver

Current sale price is £599

CROE C9TBGB-80 9KG Condenser Tumble Dryer

Current sale price is £299

DTBC10001W 10 kg Condenser Tumble Dryer - White

Current sale price is £319

DTLCE90051W 9kg Load, Condenser Dryer - White

Current sale price is £279

Frost Free UH6F2CG Tall Freezer - Graphite

Current sale price is £469

RH8CTD111B 11 Series, 8kg Condenser Dryer in Black

Current sale price is £299

Smart Pro CSOE C8DG-80 8kg Load Condenser Tumble Dryer - White

Current sale price is £269

Series 7 RB34C632EBN/EU Classic Fridge Freezer with Non Plumbed Water Dispenser - Black

Current sale price is £509

D2FHK26B Fullsize 14-Place Setting Freestanding Dishwasher - Black

Current sale price is £259

HFC3C26WCUK 14-Place Full Size Dishwasher - White

Current sale price is £279

RL415N4ACE 60cm Wide, FREESTANDING TALLER FRIDGE - Stainless Steel

Current sale price is £429

Series 5 AI Energy DV90CGC0A0ABEU 9kg Heat Pump Tumble Dryer with OptimalDry - Black

Current sale price is £649

Series 5 AI Energy DV80CGC0B0AEEU 8kg Heat Pump Tumble Dryer with OptimalDry - White

Current sale price is £519

H2FHL626 Fullsize 14-Place Setting Freestanding Dishwasher - White

Current sale price is £259

HDE3211BXUK Ceramic Freestanding 60cm Electric Cooker - Stainless Steel

Current sale price is £409

HS622E90XUK Full-Size 30 Minute Quick Wash, 13 Place, Dishwasher – Stainless Steel

Current sale price is £299

Series 6 SMV6ZCX10G Full Size, 14-Place Settings Integrated Dishwasher with Perfect Drying - Stainless Steel - B Rated

Current sale price is £699

Smart Pro CSOE C10DE-80 10kg Load Condenser Tumble Dryer White

Current sale price is £319