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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

20% off your first credit order!

What you need to know
Apply for Very Pay to get 20% off your first credit order. Enter WELCOME at the checkout

Representative 44.9% APR variable

Excludes 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.

Big Cyber savings

Electricals Code, Appliances, Freestanding

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Refrigeration

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Results: 1 - 30 (of 35)

RB327N4WCE 55cm Wide, Total No Frost, Freestanding Fridge Freezer - Stainless Steel

£369

IKNH1261W4UK Fridge Freezer - White

Current sale price is £319

HTW5618EWMG 60/40 Total No Frost Fridge Freezer, E-Rated with Wifi, Water Dispenser - Silver

£699

HPKH1261XBR4UK Fridge Freezer - Dark Grey

£419

MC55251DEB 55cm Wide, Total No Frost, Freestanding Fridge Freezer - Black

£369

INKS8261W4UK Fresh Space with LED Lighting - White

£309

INGF6441XP4UK American Side-by-Side 442l Total No Frost Fridge Freezer - Silver

£569

HONCQ2T618CWK 60/40 Fridge Freezer, C-rated - White

£549

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

£629

HPKF6353XP4UK - Total No Frost Fridge Freezer - Silver

£539

GSLC40PYPE 638L Smart Inverter American SBS prime silver

Current sale price is £899

CCT3L517EWBK-1 54.5cm Wide, Low Frost Fridge Freezer with non-plumbed Water Dispenser - Black

£349

HONCQ2T618AWK 60/40 Fridge Freezer, A-rated - White

£699

Beko-ASL1532PX-Side By Side-Cooling FS-BRUSHED STEEL

Current sale price is £699

Beko-GN15880VPX-3 doors or more-Cooling FS-BRUSHED STEEL

£849

Beko-GNE4543VPX-3 doors or more-Cooling FS-BRUSHED STEEL

£949

HTW5618ENMG 60/40 Total No Frost Fridge Freezer, E Rated with Wifi - Silver

£599

INKS8261S4UK Fresh Space with LED Lighting - Silver

£349

KitchenFit Eclipse RB5K330GSFC 60/40 Fridge freezer Wi-fi connected - Black Stainless - C Rated

£999

HPK26403XBR5UK Dual No Frost with EvenFlow - Black

Current sale price is £599

GSLE81EPBC 628L Smart Inverter American SBS matte black

Current sale price is £1249

HDPW5618DWPK 50/50 Total No Frost Fridge Freezer, D-Rated, Water Dispenser, Wifi - Inox

£499

Cube 90 Series 5 HCR5919EHMP Plumbed Total No Frost American Fridge Freezer, Platinum Silver, E Rated

£1199

HDPW5620ANPD 70/30 Total No Frost Fridge Freezer, A-Rated, Wifi - Inox

£999

INKF8251S4UK No Frost with Fresh Space - Silver

£369

SR11020GRNE Retro Grey Fridge Freezer 304L

£699

HDW3618DNPK Frost Free 60/40 Fridge Freezer, D Rated, Wifi - Inox

£549

SR11010CNE Retro Cream Top Mounted Fridge Freezer 208L

£549

SR11020CNE Retro Cream Fridge Freezer 304L

£699

HQ9 B2L G Frost Free Fridge Freezer - Inox

£1099

Results: 1 - 30 (of 35)