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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.

Easter deals!

Protect - Repair, Appliances, American Style

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Results: 1 - 30 (of 103)

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

Current sale price is £599

SR750170I 90cm Wide Total No Frost American Style Fridge Freezer - Inox

£479

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

Current sale price is £599

MS91558DEB 179cm High, Non-Plumbed, Total No Frost, American Fridge Freezer, E Rated - Black

Current sale price is £499

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

£629

Family Hub RS90F66BETEU Wifi Connected Plumbed Total No Frost American Fridge Freezer - Silver - E Rated

Current sale price is £1799

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

Current sale price is £699

MQ79394EB 80cm Cross Door, American Fridge Freezer - Black

Current sale price is £509

InstaView GSGV81PYLL Side-by-Side American Fridge Freezer with Non-Plumbed Water & Ice Dispenser - Prime Silver - 635L - E Rated

Current sale price is £1279

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

Current sale price is £549

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

Current sale price is £749

SR750160I 90cm Wide Total No Frost American Style Fridge Freezer - Inox

£449

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

Current sale price is £749

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

£899

MS83430EB 80cm Wide Side by Side, American Fridge Freezer - Black

Current sale price is £479

Series 7 SpaceMax RS57DG410EB4EU 578-Litre, Smart American Fridge Freezer with SpaceMax Technology - Black

Current sale price is £899

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

Current sale price is £699

MS83430DEB American Fridge Freezer - Black

Current sale price is £499

MS91558DES Total No Frost American Fridge Freezer - Silver

Current sale price is £499

RH180A4FF802E1BS 50/50 Split 4 Door Total No Frost Fridge Freezer - Black Steel

Current sale price is £599

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

Current sale price is £1999

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

£649

HPG26573WXP4UK - Dual No Frost Side-by-side Fridge Freezer - Silver

Current sale price is £749

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

£1199

INGF6421XP4UK Total No Frost 421L American Side-by-Side Fridge Freezer - Silver

Current sale price is £519

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

Current sale price is £999

HFR5719EWPB Non-Plumbed Total No Frost American Fridge Freezer with Water Dispenser, E Rated - Slate Black

Current sale price is £749

SR750100B 84cm Wide, Total No Frost, American-Style Freestanding Fridge Freezer - Black

£479

GMM41MSBEM 482L Inverter Compressor Multi-Door American Fridge Freezer - Silver

Current sale price is £799

InstaView GSVV80PYLL Side-by-Side 60/40 American Fridge Freezer - Prime Silver - 655L - E Rated

Current sale price is £1559

Results: 1 - 30 (of 103)