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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 iPad Air M4, Samsung S26 range, 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 60% off Sale!

Latest Electrical Offer, C, G

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Results: 1 - 29 (of 29)

The Frame Art Mode, 32-inch, QLED Full HD, Smart TV

£399

KitchenFit Eclipse Series RL5K370GSFC Wifi connected Total No Frost Tall Fridge - Black Stainless Steel - C rated

£1099

34 Bottle Single Zone Wine Cooler - Black

£329

HF 3C7L0B-80 13 place full size Freestanding Dishwasher with WIFI - Black

Current sale price is £319

CLHS58EBK UC 55cm Freestanding Fridge - Black

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Q50A 32-inch QLED Full HD HDR Smart TV - QE32Q50A

£329

HV642C65UK Full-Size Fully Integrated 14-Place Dishwasher

£369

RW12D4NWG0 48cm Wide, 30 bottle, Freestanding Wine Cooler - Black

£329

CCVB 15 UK/1 Built In Wine Cooler, 7-Bottle Capacity - Black

From £229

HOWC034K 34 Bottle Capacity Wine Cooler, with Wifi - Black

Current sale price is £339

HOW023K 23 Bottle Capacity Wine Cooler, with Wifi - Black

Current sale price is £199

H-DISH 500 HI 5C6F0S-80 60cm Wide Fullsize Integrated 15-Place Dishwasher, WiFi Enabled, C Rated - Silver

From £389

HF 3C7L0W-80 13 place full size Freestanding Dishwasher with WIFI - White

Current sale price is £299

KitchenFit RB3K330SAFC 60/40 Fridge freezer

Current sale price is £599

RH60DW10C1SS F/S Dishwasher C Class - Inox

£319

77 Bottle Dual Zone Wine Cooler, hOn App connected - Black

£649

PureFlat Infinite RS818N4TFC American Smart Fridge Freezer - Black Stainless Steel

£1399

KitchenFit Eclipse RB5K330GSFC 60/40 Fridge freezer Wi-fi connected - Black Stainless - C Rated

£999

RH185FF601C1SS, 329L Freestanding 60/40 Split C Class Total No Frost Fridge Freezer in Stainless Steel

£539

RH185FF601C1AN, 329L Freestanding 60/40 Split C Class Total No Frost Fridge Freezer in Anthracite

£539

KitchenFit Eclipse Series FT5K310GSFC Wifi connected Total No Frost Tall Freezer - Black Stainless Steel - C rated

£1099

HBW7518CTK Refrigeration Combi Fridge Freezer White

From £899

RH185FF601C1B, 329L Freestanding 60/40 Split C Class Total No Frost Fridge Freezer in Black

£539

I-Pro Shine XF5C4M1W-80 Full Size Dishwasher, 15 Place Setting, Wifi - White

£549

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

£1699

I-Pro Shine XF 5C4M1X-80 Full Size Dishwasher, 15-Place Setting, Wifi - Stainless Steel

£549

SBS 90 Series 7 HSW79F18CIMM Plumbed Total No Frost American Fridge Freezer, Stainless Steel, C Rated

£1449

PureFlat Infinite RS818N4TIC American Smart Fridge Freezer - Stainless Steel- C Rated

Current sale price is £1199

KitchenFit RB3K330SAIC 60/40 Fridge freezer

£699

Results: 1 - 29 (of 29)