Black Friday Deals | NINJA | All Offers

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

Up to 50% off Sale

Up to 50% off Sale

Black Friday Deals, NINJA, All Offers

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Foodi MAX Dual Zone 9.5L Air Fryer with Smart Cook System AF451UK

Current sale price is £229

Double Stack XL 2-Drawer Air Fryer 9.5L SL400UK

Current sale price is £229

Double Stack 2-Drawer Air Fryer 7.6L - SL300UK

Current sale price is £186

Foodi 8-in-1 Possible Cooker - Sea Salt Grey MC1001UK

Current sale price is £109

Luxe Cafe MINI Espresso Machine

Current sale price is £419

Perfect Temperature Kettle - Stainless Steel KT201UK

Current sale price is £79

HyperHeat 6L 9-in-1 Pressure & Rice Cooker PC201UK

Current sale price is £125

Air Fryer PRO 4.7L AF140UK

Current sale price is £99

CREAMi Scoop & Swirl 13-in-1 Ice Cream & Soft Serve Maker - NC701UK

Current sale price is £299

Everclad Stainless Steel 5-piece Set C95005eui

Current sale price is £360

Thirsti 700 Ml Travel Bottle - Coral

Current sale price is £28

Combi 12-in-1 Multi-Cooker, Oven & Air Fryer SFP700UK

Current sale price is £221

Thirsti 530 Ml Travel Bottle - Fuchsia Pink

Current sale price is £23

Extended Life Ceramic 5-piece Frying Pan & Saucepan Set Cw95005eui

Current sale price is £222

PrecisionPro Food Processor BZ651UK

Current sale price is £84

Blast Cordless Portable Blender - Grey

Current sale price is £69

Slim Blender & Smoothie Maker 700W- Silver QB3001UKS

Current sale price is £54

Thirsti 530 Ml Travel Bottle - Tropical Blue

Current sale price is £23

Foodi Max Pro Health Grill, Flat Plate & Air Fryer AG651UK

Current sale price is £239

Blast Cordless Portable Blender - Black (BC151UKBK)

Current sale price is £44

3-in-1 Cold Press Juicer JC152UK

Current sale price is £134

BlendBOSS Tumbler Blender - Stone DB351UKST

Current sale price is £104

CRISPi 4-in-1 Portable Glass Air Fryer - Sage FN101UKSG

Current sale price is £139

CRISPi 4-in-1 Portable Glass Air Fryer - Cyber Space FN101UKGY

Current sale price is £139

BlendBOSS Tumbler Blender - Pink Peppercorn DB351UKPK1BRN

Current sale price is £99

Everclad Stainless Steel 3-piece Saucepan Set With Lids C93003eui

Current sale price is £250

CREAMi XL 11-in-1 Ice Cream Maker - Navy NC601UK

Current sale price is £259

CREAMi Ice Cream & Frozen Dessert Maker - NC300UK

Current sale price is £179

CRISPi 4-in-1 Portable Glass Air Fryer - Stone FN101UKST