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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.

Save up to 40% off

Protect - Repair, Hoover, Less than 85cms

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HRE C10TE-80 10kg Condenser Tumble Dryer - White

Current sale price is £299

H-DRY 350 HRE C10TBER-80 Wifi Connected 10kg Condenser Tumble Dryer, B-Rated - Graphite

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HONUQ2L58EBK Under Counter Freezer - Black

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HDIH 2T1047 45cm Wide Slimline Integrated Dishwasher - Black Touch interface

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H-Dry 350 HRE C9TE-80 9kg Load Condenser Tumble Dryer - White

Current sale price is £299

H-DISH 500 Full Size Dishwasher, 14 Place Settings, Wifi, Anthacite, B Rated

Current sale price is £399

HONUQ2L58EWK Under Counter Freezer - White

Current sale price is £189

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

Current sale price is £299

HDPH 2D1049W Freestanding Slimline 10-Place Dishwasher - White

Current sale price is £269

H-Dry 350 HRE H10N2TBE-80 350 10kg A++ White

Current sale price is £369

HDPH 2D1049B 10-Place Slimline Dishwasher - Black

Current sale price is £269

H-DISH 500 HF 4B7F0W-80 Full Size Dishwasher, 16 Place Settings, White, B Rated

Current sale price is £379

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

Current sale price is £499

H-Dry 300 Lite HLE V9DGB 9kg Vented Tumble Dryer - Black

Current sale price is £299

BATD H7A1TCE-80 7kg Load A+ Rated Fully Integrated Heat Pump Tumble Dryer - White

Current sale price is From £479

HONLQ2S58EWK Under Counter Fridge - White

Current sale price is £179

Pro Dry Series 3 HBP 9N3BX-80 - 9kg White

Current sale price is £399

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

Current sale price is £329

HONLQ2S58EXK Under Counter Fridge - Silver

Current sale price is £199

HLEH8A2DE Freestanding Heat Pump Tumble Dryer, A++, 8 kg Load - White

Current sale price is £329

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

Current sale price is From £499

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

Current sale price is £399

HONUQ2L58EXK Under Counter Freezer - Silver

Current sale price is £199

HHCH 142 ELK 150l E-Rated FREESTANDING Chest Freezer - White

Current sale price is £169

H-Dry 350 HRE H9N2TBE-80 - 9kg White

Current sale price is £349

H-DRY 500 NDEH11A2TCEXM 11kg Heat Pump Tumble Dryer - White

Current sale price is £559

H-DISH 300 LITE HIP 3C7E0S-80 Fully Integrated Full Size Dishwasher, 13 Place Settings, C Rated

£319

H-DISH 700 HF 6B4S1PW-80 Full Size Dishwasher, 16 Place Settings, Wifi, White, B Rated

Current sale price is £469

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

Current sale price is From £329