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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

Get autumn ready - up to 25% off with code AUTUMN

Get autumn ready - up to 25% off with code AUTUMN

Black Friday Deals, Beauty Works, BHS, Bratz, Bugaboo, Faberware, Funsicle, Hackett, Lenovo, Tommy Hilfiger

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LOQ 15AHP11 Gaming Laptop & Mouse - GeForce RTX 5050 - AMD Ryzen 7 - 16GB RAM - 512GB SSD - 180Hz - 15.3in WUXGA - Surge Green

Current sale price is £1179

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

Current sale price is £329

Legion Go S 8APU1 - AMD Ryzen Z1 Extreme - SteamOS - 32 GB - 1 TB SSD - 8in WUXGA - Nebula Nocturne - Exclusive Handheld Gaming

Current sale price is £749

Legion Go S - SteamOS - Handheld PC Gaming Console - 8in WUXGA - AMD Ryzen Z2 Go - 16GB RAM - 1TB SSD

Current sale price is £449

IdeaPad Slim 3 Chromebook Plus - 14in FHD, Intel Core i3, 8GB RAM, 256GB Storage

Current sale price is £269

LOQ 17IRX10 Gaming Laptop - GeForce RTX 5050 - Intel Core i7 - 16GB RAM - 1TB - 17.3in FHD (1920x1080) - 165Hz - Grey

Current sale price is £1249

Idea Tab Pro Gen 2, 128GB, Luna Grey

Current sale price is £429

IdeaPad Slim 5 Pro - Copilot+ PC - 16in Laptop - AMD Ryzen AI 5 - GeForce RTX 5050 - 16GB RAM - 1TB SSD

Current sale price is From £1299

Qwikfold Fun Slide - Pink

Current sale price is £24.99

Mother & Child Basic Floor Lamp

Current sale price is £32

Legion Go 2 - 8.8in 144hz 2K OLED Handheld PC Gaming - AMD Ryzen Z2 Extreme - 32GB - 1TB - Windows

Current sale price is £1199

Paladina Flush Ceiling Light - Satin Brass/clear

Current sale price is £119

LOQ Essential 15IRX11 15.6in Gaming Laptop - GeForce RTX 5050 - Intel Core i7 - 16GB RAM - 512GB SSD - FHD IPS 144Hz - Grey

Current sale price is £1349

Monoplay Tote Bag - Black

Current sale price is £133

Legion Go 2 - 8.8in 144hz 2K OLED Handheld PC Gaming - AMD Ryzen Z2 - 32GB - 512GB - Windows

Current sale price is £849

Oversized Fit Stripe Polo Shirt - Cream / Red

Current sale price is £63

Mini Metro Table Lamp - Satin Brass/Champagne

Current sale price is £56

Paladina Flush Ceiling Light

Current sale price is £119

Alavr 5 Petal LED Ceiling Light

Current sale price is £104

TOMMY 100ml Eau de Toilette

Current sale price is £33

Legion Pro 27UD-10 27" 4K Penta Tandem QD-OLED Gaming Monitor - 240Hz, DisplayHDR True Black 400, USB-C Docking, G-SYNC, FreeSync Premium Pro

Current sale price is £599

Regular Fit Pique Henley Polo Shirt - Blue / White

Current sale price is £63

Relaxed Fit Premium Knit Stripe Jumper - Cream/Navy

Current sale price is £70

Paladina Diner Pendant Fitting

Current sale price is £111

Seline Cascade 3 Light Cluster

Current sale price is £112

Paladina Easy-Fit Light Shade