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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, Black

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Results: 121 - 150 (of 343)

RH8HPTD1E12B 8KG Heat Pump Tumble Dryer Black

£359

C HD 93M BB UK 9KG Heat Pump Tumble Dryer - Black

£449

Series 8 AI Energy WW11DB8B95GBU1 11kg Load, 1400 Spin Washing Machine with QuickDrive, AI Wash and SpaceMax - Black

£929

HDG5GCB 50cm Gas Double Cooker - Black

£449

RB390N4WBE 60cm Wide, Total No Frost, Freestanding Fridge Freezer - Black

£399

Hi4 BlackLine BI64223ADBGUK Built In Electric Single Steam Oven - Jet Black

£299

HI6421BSC, Bridge Zone, 60cm Induction Hob - Black

£249

H-Dry 350 HRE H10N2TBER-80 350 10kg A++ Graphite

£399

GG773B Gas on Glass, 75cm Gas Hob - Black

£329

FDG6231CK Double oven Gas Cooker Black

£469

Hi6 BUD714221CDBG 54/38L Built Under Double Oven with Catalytic Liners - Black

£399

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

£699

HB25MOBX7GUK Built-in Microwave With Grill - Black

£199

Hi8 BlackLine BIM4AH8UKWF 50L Built-in Multifunctional Electric Single Oven with Microwave Function - Jet Black

Current sale price is £949

C YD 92D BB UK 9KG Heat Pump Tumble Dryer with Steam Technology - Black

£349

E6432C 60cm Wide Ceramic Hob - Black

£159

PHVP6.4FALK/1 60cm Wide Vertical Glass Cooker Hood - Black

£179

IN2FE13DT9AUK 60cm Wide Freestanding 13-Setting Dishwasher - Dark Silver

£249

Class 2 Multiflow HO 475P B UK Single Electric Fan Oven with DualClean - Black - A++ Rated

Current sale price is From £279

BH4S696M6DB9B-80 Washer Dryer 9/6kg Black

Current sale price is From £499

F MCIDC N602/CA Built-In, Electric, Multifunctional Oven, 65L Capacity, A+ Rated - Black

From £169

HF 4A4S3PSA-80 - Full Size Dishwasher, 14-Place Settings, A Rated - H-Dish 700 - Graphite

Current sale price is £494

HOC3T587A8B Single Oven BUILT IN OVEN Black

Current sale price is From £279

Series 4 HQA534BB3B Built-in Electric Single Oven with Hotair Steam - Black

£399

RH8HPTD1E12AN 8KG Heat Pump Tumble Dryer Anthracite

£359

HI8421BSC, Bridge Zone, 80cm Induction Hob - Black

£349

CI642CTT/E1 60cm Induction Hob, 4 Zones with Touch Control - Black Glass

From £229

HP2FE10CS90BUK Freestanding Slimline Dishwasher - Black

£299