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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 all Samsung Galaxy S25 models (including bundle variants), all Gaming consoles, iPhone 16 range, Apple Mac lines, all egg items, 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

This represents a typical cost of using Very Pay:

Representative 44.9% APR variable (annual interest rate of 44.9% variable). A personalised credit limit, typically £1,000. You may be offered other promotional interest rates.

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.

Electricals Offer, Black, Silver, Chrome, Windows, 8 gb

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Eurus Desktop PC Bundle - AMD Ryzen 5, 8GB RAM, 500GB SSD - Black

Current sale price is £549

Vivobook Go E1504FA-NJ715W Laptop - 15.6in FHD, AMD Ryzen 3, 8GB RAM, 128GB SSD - Black

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Vivobook 15 Laptop - 15.6in FHD, Intel Core i3, 8GB RAM, 512GB SSD - Silver

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Cyborg 14 A13V Laptop - Intel Core i7-13620, GeForce RTX 4060, 16GB RAM, 512GB SSD - Black

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Laptop 14s-dq5013na with HP 150 mouse & Prelude 15.6 Bag - Intel Core i3 - 4GB RAM - 128GB SSD - 14in Full HD - Silver

Current sale price is From £299

Blaze Desktop PC - AMD Ryzen 5 5600G, 8GB RAM, 500GB SSD - Black

Current sale price is £419

Modern 15 Laptop - 15.6in FHD, Intel Core i5, 8GB RAM, 512GB SSD

Current sale price is £379

Chromebook 314 CB314-4HT - 14in FHD Touchscreen - Intel N100 - 8GB RAM - 128GB - Silver

£329

Pavilion 15-eh1029na Laptop - 15.6in FHD, AMD Ryzen 5, 8GB RAM, 512GB SSD - Silver

From £599

Desktop - Intel Core i5 - 8GB RAM - 512GB SSD

Current sale price is £389

Eurus Bundle - GeForce GTX 1650 - Intel Core i3 - 8GB - 500GB - Black

Current sale price is £649

MX360 Gaming Desktop - AMD Ryzen 5, 8GB RAM, 500GB SSD - Black

£429

Chromebook Plus 514 CB514-3H - 14in WUXGA, AMD Ryzen 5 7520C, 8GB RAM, 256GB SSD, Google Chrome OS

Current sale price is £449

Modern 15 Laptop - 15.6in FHD, Intel Core i7, 8GB RAM, 512GB SSD - Black

Current sale price is £499

Eurus - GeForce GTX 1650 - Intel Core i3 - 8GB - 500GB - Black

Current sale price is £549

Fusion 10 Gaming Desktop - AMD Ryzen 5 - 8GB - 512GB - Black

£469

Chromebook Plus 14a-nf0000na - 14in FHD, Intel Core i3, 8GB RAM, 256GB SSD - Silver

£429

Aspire 3 Laptop - 15.6in FHD, AMD Ryzen 5, 8GB RAM, 512GB SSD - Silver

From £499

15a-nb0004na Chromebook Plus - 15.6in FHD, Intel Core i3, 8GB RAM, 128GB Storage - Mineral Silver

£399

Modern - AMD Radeon - AMD Ryzen 5 - 8GB RAM - 512GB SSD - 14in - Black

£649

Aspire 3 Laptop - 15.6in FHD, Intel Core i5-1235U, 8GB RAM, 512GB SSD - Silver

£549

Modern 15 B7M-085UK Laptop - 15.6in FHD, AMD Ryzen 5, 8GB RAM, 512GB SSD

£569

Pulse 17 AI Gaming Laptop - 17.3in QHD+, RTX 4060, Intel Core Ultra 9, 16GB RAM, 1TB SSD

£1799

Vivobook 15 Laptop - 15.6in Full HD, Intel Core i5, 8GB RAM, 512GB SSD, with Microsoft 365 Personal & Norton 1 Year included - Silver

£629

Results: 1 - 24 (of 24)