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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

Electricals Code, Appliances, Customer Rating 3, Customer Rating 4, Grey, Silver

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Offers

Results: 1 - 30 (of 46)

Low Frost SI62S Fridge - Silver

£419

KDV100X 100cm wide with 7 burners Range Cooker Stainless Steel

Current sale price is £749

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

£519

HDG6GDCX 60cm Gas Double Cooker with Glass Lid - Stainless Steel

£539

C HD 93M GG UK 9KG Heat Pump Tumble Dryer - Dark Grey

£469

IB55732SUK 54cm Wide Low Frost Fridge Freezer - Silver

£299

HFC3C26WCX UK Full Size 14-Place Dishwasher with Quick Wash and 3D Zone Wash - Silver

£289

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

Current sale price is £2459

Series 4 RB34C652ESA/EU Frost-Free Classic Fridge Freezer with Non-Plumbed Water Dispenser - Silver

Current sale price is £549

H2FHL626XUK 14 Place Full Size Freestanding Dishwasher - Silver

Current sale price is £289

HO 255H X UK - Class 2 Single Oven with Multiflow Technology - Silver

Current sale price is From £229

IN2FE10CS90SUK Freestanding Slimline Dishwasher - Silver

£259

IB55532S 54cm Wide Low Frost Fridge Freezer - Silver

Current sale price is £269

IO 232H X UK - Click & Clean Single Oven - Silver

From £169

HPKH1261WS4UK Fridge Freezer - Silver

£379

HPKH1261S4UK Fridge Freezer - Silver

£379

Push & Go IP 1046S PUSH & GO UK 10KG Washing Machine - Silver

£369

C YSD 82D SS UK 8KG Heat Pump Tumble Dryer with Steam Technology - Silver

£349

Series 7 DW60CG550FSREU Freestanding 60cm Wide 14-Place Dishwasher with Auto Door - Silver

Current sale price is £479

H55R1112XUK Freestanding Undercounter Fridge - Stainless Steel

£219

PPH60GDFIXUK 60cm Integrated Gas Hob

Current sale price is From £179

PHGC6.4FLMX 60cm Curved Glass Cooker Hood - Stainless Steel

Current sale price is £179

Series 8 On-device Bixby RS80F66KBT/EU Wifi Connected Plumbed Total No Frost American Fridge Freezer - Silver - B Rated

Current sale price is £1999

PAA642IXIWE1 60cm Gas Hob - Stainless Steel

Current sale price is From £99

Series 6 AI Energy DV90T6240LN/S1 with OptimalDry™ Heat Pump Tumble Dryer - 9kg Load A+++ Rated - Platinum Silver

£729

H7FHS51XUK Fullsize 15 Place Setting Freestanding Dishwasher - Silver

Current sale price is £449

SH6A2QGR Low Frost Tall Larder Fridge - Graphite

£459

Series 4 Dual Cook NV7B44205AS/U4 Electric Smart Oven - Stainless Steel

Current sale price is £479

Series 8 RF48A401EM9/EU French Style Fridge Freezer with SpaceMax - E Rated - Gentle Silver Matt