Buy to Win | American Style

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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 all console games, iPad Air M4, Samsung S26 range, PlayStation 5 consoles, 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.

Up to 50% off Bank Holiday Deals

Up to 50% off Bank Holiday Deals

Buy to Win, American Style

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Results: 1 - 27 (of 27)

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

Current sale price is £599

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

Current sale price is £599

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

Current sale price is £749

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

Current sale price is £659

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

Current sale price is £1139

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

Current sale price is £2099

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

£629

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

£999

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

£749

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

£629

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

Current sale price is £779

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

Current sale price is £999

RQ768N4GBE Kitchen Fit Total No Frost Multi-Door American Fridge Freezer - Black Glass

Current sale price is £1299

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

£1139

RF815N4SESE Pureflat 90cm French Door, American Fridge Freezer - Stainless Steel

£999

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

Current sale price is £1189

RS694N4ICE 90cm Wide Side by Side, Water and Ice, American Fridge Freezer - Stainless Steel

£909

RQ5P470SAID American Fridge Freezer - Stainless Steel

Current sale price is £749

RQ758N4SASE Pureflat 90cm Cross Door, American Fridge Freezer - Stainless Steel

Current sale price is £949

RS818N4IIE Pureflat Infinite series, 90cm Wide Side by Side, American Fridge Freezer - Stainless Steel

£1129

Pureflat RF793N4SASE Total No Frost American Fridge Freezer with Plumbed Water and Ice Dispenser - Stainless Steel

Current sale price is £1479

PureFlat Elite RQ5X560SFLEF Cross Door American Fridge Freezer - Black Glass and Stainless Steel

£1199

RF728N4SASE Pureflat 90cm French Door, Water and Ice, American Fridge Freezer - Stainless Steel

Current sale price is £1619

RQ758N4SWSE Pureflat 90cm Cross Door, American Fridge Freezer - Stainless Steel

Current sale price is £1129

PureFlat RQ5P470SAFD 80cm Wide Fridge Freezer - Black Stainless Steel - D rated

Current sale price is £719

RS818N4TIE Pureflat Infinite series, 90cm Wide Side by Side, American Fridge Freezer - Stainless Steel

£899

RQ760N4SASE Pureflat 90cm Cross Door, Water and Ice, American Fridge Freezer - Stainless Steel

Current sale price is £1599

Results: 1 - 27 (of 27)