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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 40% off Bank Holiday Deals

Up to 40% off Bank Holiday Deals

Protect - Repair, Appliances, Customer Rating 3, White

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Results: 1 - 30 (of 33)

SW75110W 7kg Load, 1200 Spin Freestanding Washing Machine - White

£229

SX16730W 60cm Electric Double Oven Ceramic Hob Cooker - White

Current sale price is £339

HDE3211BWUK Double Oven Electric Cooker with Ceramic Hob - White

£399

RH180FFFF551E1WWD 180X54CM Frost Free Fridge Freezer W/ Water Dispenser - White

£299

SR750145W 198L Chest Freezer 85cm Tall - White

Current sale price is £189

CYDA81WWGLUK - 8KG Vented - Dryers - White

Current sale price is £259

SX16710W 50cm Electric Solid Plate Cooker - White

£199

CUS518EWK 177cm High, Integrated Static Tall Freezer, E Rated - White

From £489

Hi6 Max HDCEC5C10W 69/43L Ceramic Freestanding 50cm Electric Cooker - White

Current sale price is £369

NDB8635WUK D|B 8+6KG 1400 Rpm Washer Dryer - White

Current sale price is £379

BCTD H7A1TE-80 7kg Fully Integrated Heat Pump Tumble Dryer, A+ - White with Wi-fi Connectivity

From £449

Hi6 Max HDCEC6C20W 80/50L Ceramic Freestanding 60cm Electric Cooker - White

Current sale price is £479

MUZ4860E 48cm Wide Under-Counter Freezer - White

£139

I55Z1112WUK Freestanding Undercounter Freezer - White

£209

HV623D15UK Full-Size Fully Integrated 30 Minute Quick Wash, 14 Place Dishwasher

Current sale price is £319

IN2IE10CS80UK Push & Go Integrated Slimline Dishwasher - White

£249

NDB11724WUK 11kg Wash, 7kg Dry, 1600 Spin Freestanding Washer Dryer - White

Current sale price is £449

Series 2 KGN33NWEBG 176cm 50/50, Frost Free Fridge Freezer - White - E Rated

£499

H2FHL626 Fullsize 14-Place Setting Freestanding Dishwasher - White

£259

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

£319

INC18D011B1 Integrated Fridge Freezer - White

Current sale price is From £369

HS642D90WUK Fullsize 14-Place Settings 15-Minute Quick Wash Dishwasher - White

Current sale price is £299

CCT3L517EWWK-1 Low Frost Fridge Freezer with non plumbed water dispenser - White

£319

My Time IMA 764 MY TIME UK 7KG Washing Machine - White

£259

Vertuo Latissima by Delonghi - White

Current sale price is £199

H-DRY 500 NDEH10A2TCE80 10kg Freestanding Heatpump Tumble Dryer - White with Chrome door

£399

H7FHS41 Fullsize 15 Place Setting Freestanding Dishwasher - Silver

Current sale price is £379

Clover HSFO3T223WUKN 10-Place Slimline Dishwasher with Quick Wash and 3D Zone Wash - White

Current sale price is £309