Electricals Code | Customer Rating 3

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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.

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.

Electricals Code, Customer Rating 3

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Results: 1 - 30 (of 38)

Versa 4 Fitness Smartwatch - built-in GPS, 6-day battery life, Android & iOS compatible - Waterfall Blue/Platinum Aluminium

£179

CYDA81WWGLUK - 8KG Vented - Dryers - White

Current sale price is £239

HERO13 Black Extended Power Bundle

Current sale price is £349.99

Series 4 NV7B41403AK/U4 76-litre Electric Smart Oven - Black

Current sale price is £359

HTE5VCB - Electric Twin Cooker - Black

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Sense 2, Health and Fitness Smartwatch

£219

Tapo Smart Security Duo-Pack

£59.99

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

Current sale price is £249

Versa 4 (Black/Graphite) Smartwatch with Additional Sports Strap

£179

H2FHL626 Fullsize 14-Place Setting Freestanding Dishwasher - White

Current sale price is £249

BIWMHG71483UKN 7kg Load, 1400 Spin Integrated Washing Machine - White

Current sale price is From £379

Video Doorbell E340 With Chime, 2K, Dual Lens, No Monthly Fee, Colour Night Vision, Two-Way Audio

£179

BM3T3822W Heat Pump Dryers White

Current sale price is £329

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

Current sale price is £509

Series 7 DW60CG550B00EU Built in 60cm Wide, 14 Place Setting Dishwasher with Auto Door - Black control panel

Current sale price is £459

I55Z1112WUK Freestanding Undercounter Freezer - White

Current sale price is £209

Hero 13 Ultimate Adventure Pack

Current sale price is £589.99

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

Current sale price is £179

Clover HSFO3T223WUKN 10-Place Slimline Dishwasher with Quick Wash and 3D Zone Wash - White

Current sale price is £319

RI860C 60cm Built-in Ceramic Hob - Black

Current sale price is From £129

CHDC92WWGDUK 9kg Condenser Dryer - White

£329

NDB9635BSUK D|B 9+6KG 1400rpm Washer-Dryer - Black & Silver

Current sale price is £439

H7FHS51XUK Fullsize 15 Place Setting Freestanding Dishwasher - Silver

Current sale price is £499

NDB9635GKUK D|B 9+6KG 1400rpm Washer Dryer - Black

Current sale price is £429

My Time IMA 764 MY TIME UK 7KG Washing Machine - White

Current sale price is £239

Series 6 DW60DG760FSLU4 Freestanding 60cm Dishwasher with Water Jet Clean & Smart Things, 14 Place Settings - Dark Silver

Current sale price is £749

HR612CH 60cm Wide Built-in Ceramic Hob - Black

Current sale price is From £199

Series 6 DW60M6050FS Dishwasher, 14 Place Settings and a Flexible '3rd Rack' Cutlery Tray - Silver

Current sale price is £449

HGS72SBK 73cm Wide Built-in Gas on Glass Hob - Black

From £349

PPH75PDFIXUK 75cm Wide Built-in 5-Burner Gas Hob

Current sale price is From £229

Results: 1 - 30 (of 38)