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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

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.

Pay later with Very Pay

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Pay later with Very Pay

Free Click & Collect

Free returns

Shop the brands you love

Up to 60% off Sale!

Up to 60% off Sale!

Up to 20% off selected Computing

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TC-102 Desktop PC - Intel Core 5 - 8GB RAM - 512GB - White

Current sale price is £529

Fusion 60 GeForce RTX 5070 Ti AMD Ryzen 7 32GB 2TB Black

Current sale price is £2399

Fusion 35 GeForce RTX 5060 Ti AMD Ryzen 5 16GB 1TB Black

£1449

Fusion 70 GeForce RTX 5080 AMD Ryzen 7 32GB 2TB Black

Current sale price is £2999

Fusion 25 GeForce RTX 5060 AMD Ryzen 5 16GB 1TB Black

£999

Fusion Lumin 30 Gaming Desktop - GeForce RTX 5070, AMD Ryzen 7, 32GB RAM, 1TB SSD - White

Current sale price is £1999

Fusion 55 AMD Radeon RX 9070 XT AMD Ryzen 7 32GB 1TB Black

£2199

Cypher 50 GeForce RTX 5090 Intel Core i9 32GB 2TB Black

Current sale price is £4499

Fusion 40 GeForce RTX 5060 Ti AMD Ryzen 7 16GB 1TB Black

£1499

Fusion 75 GeForce RTX 5090 AMD Ryzen 7 32GB 2TB Black

Current sale price is £4499

Fusion 80 Gaming Desktop - GeForce RTX 5090, AMD Ryzen 9, 64GB RAM, 4TB SSD - Black

£5699

Fusion 50 Gaming Desktop - AMD Radeon RX 9070 XT, AMD Ryzen 7, 16GB RAM, 1TB SSD - Black

£1899

Fusion Lumin 10 Gaming Desktop - GeForce RTX 5060, AMD Ryzen 5, 32GB RAM, 1TB SSD - White

£1599

Fusion Lumin 20 Gaming Desktop - GeForce RTX 5060 Ti, AMD Ryzen 5, 32GB RAM, 1TB SSD - White

£1649

Fusion 65 Gaming Desktop - GeForce RTX 5080, AMD Ryzen 7, 32GB RAM, 2TB SSD - Black

Current sale price is £2749

Cypher 10 Gaming Desktop - 12GB INTEL ARC B580, Intel Core i5, 16GB RAM, 1TB SSD - Black

£999

Cypher 20 Gaming Desktop - GeForce RTX 5060 Ti, Intel Core i5, 16GB RAM, 1TB SSD - Black

£1349

Cypher 15 Gaming Desktop - GeForce RTX 5060, Intel Core i5, 16GB RAM, 1TB SSD - Black

Current sale price is £999

Cypher 30 Gaming Desktop - GeForce RTX 5070, Intel Core i7, 16GB RAM, 1TB SSD - Black

Current sale price is £1849

Cypher 55 Gaming Desktop - GeForce RTX 5090, Intel Core i9, 64GB RAM, 4TB SSD - Black

Current sale price is £5499

Cypher 45 Gaming Desktop - GeForce RTX 5080, Intel Core i7, 32GB RAM, 2TB SSD - Black

Current sale price is £2749

Fusion 30 Gaming Desktop - GeForce RTX 5060, AMD Ryzen 5, 16GB RAM, 1TB SSD - Black

Current sale price is £1149

Fusion 20 Gaming Desktop - GeForce RTX 3050, AMD Ryzen 5, 16GB RAM, 1TB SSD - Black

£899

Fusion Lumin 50 Gaming Desktop - 16GB GEFORCE RTX 5070 Ti, AMD Ryzen 7, 32GB RAM, 2TB SSD - White

Current sale price is £2499

Cypher 35 Gaming Desktop - AMD Radeon RX 9070 XT, Intel Core i7, 32GB RAM, 1TB SSD - Black

Current sale price is £2199

Cypher 25 Gaming Desktop - GeForce RTX 5060 Ti, Intel Core i7, 16GB RAM, 1TB SSD - Black