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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, 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

Protect - Repair, Appliances, Customer Rating 5, Silver

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Results: 1 - 30 (of 37)

DIH 10D IX - Double Oven - Silver

Current sale price is From £339

DII 10D IX - Double Oven - Silver

From £349

MyTime IDMA 8564S MY TIME UK UK 8kg Wash / 5kg Dry Washer Dryer - Silver

£359

HDD6GDC2WX 60cm Dual Fuel Double Cooker with Glass Lid - Stainless Steel

£559

RL170D4BCE 55cm Wide Under Counter Fridge Larder - Stainless Steel Look

£219

MF70450ES 200cm High Total No Frost Freestanding American French Door Fridge Freezer - Silver - E Rated

£649

FDG6231CS Double oven Gas Cooker Silver

£499

HHCR3818ENPL Total No Frost American Fridge Freezer, E Rated - Inox

Current sale price is £549

IN2FE13DT9SUK 60cm Wide 13-Place Setting Freestanding Dishwasher - Silver

£249

RH85UCFF482E1SS Under-Counter Fridge Freezer in Stainless Steel

Current sale price is £199

HDG5GCX 50cm Gas Double Cooker - Stainless Steel

£449

HP2FE10CS90SUK Freestanding Slimline Dishwasher - Silver

Current sale price is £299

Stainless Steel 60cm Wide 186cm High Freestanding Total No Frost Fridge Freezer

£379

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

£1099

HONLQ2S58EXK Under Counter Fridge - Silver

Current sale price is £199

DW60BG730FSLEU 13-Place Wifi Connected with Water Jet Clean Dishwasher - Stainless Steel - C Rated

£899

I55Z1112SUK Freestanding Undercounter Freezer - Silver

£239

DII 10N S Electric Fan Double Oven - Silver

Current sale price is From £319

C YD 92D SS UK 9KG Heat Pump Tumble Dryer with Steam Technology - Silver

Current sale price is £349

RH60DW00D2SS F/S Dishwasher D Class - Inox

£309

RB327N4ABD Freestanding 50/50 D Rated Fridge Freezer

Current sale price is £369

H55Z1112XUK Freestanding Undercounter Freezer - Stainless Steel

£239

DIH 82D IX Electric Fan Double Oven - Stainless Steel

From £429

FD 70 HFR5719ENMG 70cm Wide Frost-Free American Fridge Freezer, E Rated - Stainless Steel

Current sale price is £679

Bespoke AI Series 9 AI Home RS90F64EETEU 621L Smart American Fridge Freezer - Silver

Current sale price is £1699

HMD44MXUK Built-in Microwave with Grill - Silver

From £389

Series 8 RB50DG632ES9EU 505-litre Smart Combi Fridge Freezer with Spacemax Technology - Silver

Current sale price is £899

Series 9 RH69DG893ES9EU American Style Fridge Freezer with Beverage Centre™ - Silver

£2189

PHGC7.4FLMX 70cm Curved Glass Cooker Hood - Stainless Steel