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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

20% off your first credit order!

What you need to know
Apply for Very Pay to get 20% off your first credit order. Enter WELCOME at the checkout

Representative 44.9% APR variable

Excludes all Samsung Galaxy S25 models (including bundle variants), all Gaming consoles, iPhone 16 range, Apple Mac lines, all egg items, 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

This represents a typical cost of using Very Pay:

Representative 44.9% APR variable (annual interest rate of 44.9% variable). A personalised credit limit, typically £1,000. You may be offered other promotional interest rates.

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.

Buy to Win

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Results: 1 - 30 (of 71)

PureFlat Slim RQ5P470SMFE Total No Frost American Fridge Freezer with My Fresh Choice zone - Black Stainless Steel

Current sale price is £629

RS741N4WBE 90cm Wide, Side by Side, American Fridge Freezer with non-plumbed Water Dispenser - Black

£599

3S Series WD3S1043BW3 10.5kg Load, 1400 Spin Steam Washing Machine - White - A Rated

Current sale price is £359

PureFlat Slim RQ5P470SMIE Total No Frost American Fridge Freezer with My Fresh Choice zone - Stainless Steel

£649

RS741N4WCE 90cm Wide, Side by Side, American-Style Fridge Freezer with non-plumbed Water Dispenser - Stainless Steel

£599

RF632N4WIE 70cm Wide French Door, American Fridge Freezer - Stainless Steel

£849

3S Series WF3S8043BB3 WiFi-enabled 8kg Wash, 1400 Spin Washing Machine - Black

Current sale price is £299

RS694N4TIE 90cm Wide Side by Side, Non-Plumbed Water and Ice, American Fridge Freezer - Stainless Steel

£849

RIB312F4AWE 55cm Wide 60/40 Frost -Free Integrated Fridge Freezer - White

£399

PureFlat RQ760N4IFE Smart Fridge Freezer - Black Stainless Steel - E rated

£2099

RS818N4IFE Pureflat Infinite series, 90cm Wide Side by Side, American Fridge Freezer - Black Stainless Steel

Current sale price is £1016

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

£429

5S Series DH5S102BB 10kg Load Tumble Dryer with Touch Control, Ion Refresh - Black - A+++ Rated

£579

3S Series WF3S1243BW3 12kg Load, 1400 Spin Steam Washing Machine - White - A Rated

£429

RQ758N4SWFE Pureflat 90cm Cross Door, American Fridge Freezer - Black Stainless Steel

£999

RS694N4TBE 90cm Wide Side by Side, Non-Plumbed Water and Ice, American Fridge Freezer - Black

£799

3S Series WD3S8043BB3 WiFi-enabled 8kg Wash, 5kg Dry, 1400 Spin Washer Dryer - Black

£389

RF632N4WFE 70cm Wide French Door, American Fridge Freezer - Black Stainless Steel

£749

RS694N4IBE 90cm Wide Side by Side, Water and Ice, American Fridge Freezer - Black

Current sale price is £799

RL415N4ACE 60cm Wide, FREESTANDING TALLER FRIDGE - Stainless Steel

£469

RF749N4SWFE Pureflat 90cm French Door, American Fridge Freezer - Black Stainless Steel

£999

5S Series WF5S1245BB 12KG 1400rpm Auto Dosing Freestanding Washing Machine - Premium Black

£499

RF632N4BCE, 70cm Wide French Door, American Fridge Freezer - Stainless Steel

£799

3S Series DH3S902BB3 WiFi-enabled, 9 kg Load, A+++ Rated Heat Pump Tumble Dryer- Black

£469

FV298N4ACE 60cm Wide, Freestanding Fridge Freezer - Stainless Steel

£499

RB390N4WWE 60cm Wide, Total No Frost, Freestanding Fridge Freezer - White

£399

RF749N4SWSE Pureflat 90cm French Door, American Fridge Freezer - Stainless Steel

£1199

3S Series WD3S8043BW3 8kg Wash, 5kg Dry, 1400 Spin Washer Dryer - White - A Rated

£369

3S Series WF3S9043BB3 WiFi-enabled 9kg Wash, 1400 Spin Washing Machine - Black

£299

3S Series WF3S1243BB3 WiFi-enabled 12kg Wash, 1400 Spin Washing Machine - Black

£399

Results: 1 - 30 (of 71)