Extra 10% off selected Electricals & Home

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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 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.

20% off selected

Extra 10% off selected Electricals & Home

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Results: 1 - 30 (of 333)

Anti Hair Wrap Upright Vacuum Cleaner with Powered Lift-Away & True Pet NZ801UKT

Current sale price is £199

Smart CSE C10LF - 80 10kg Condenser Tumble Dryer - White

Current sale price is £269

Lift-Away Upright Vacuum Cleaner with TruePet NV602UKT

Current sale price is £149

vivoactive 5 Music Smartwatch with GPS, WiFi

Current sale price is From £180

Foodi MAX Dual Zone 9.5L Air Fryer AF400UK

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HRE C10TE-80 10kg Condenser Tumble Dryer - White

£329

Stratos Cordless Stick Vacuum Cleaner with Anti Hair-Wrap Powerfins Technology and Flexology with Pet Brush 60 mins - IZ400UKT

Current sale price is £249

STH75110W 8kg Load Heat Pump Tumble Dryer - White

Current sale price is £269

kMix Stand Mixer KMX760GR - Green

Current sale price is £259

Series 5 AI Energy WW90CGC04DABEU 9kg Load, 1400 Spin ecobubble Washing Machine with SmartThings - Black

Current sale price is £369

Venu 3S Smartwatch GPS, Wi-Fi

Current sale price is From £340

Magnifica Evo, Automatic Bean to Cup Coffee Machine, ECAM290.21.B

Current sale price is £339

SR156150W 47cm Under-Counter freezer - White

Current sale price is £119

RH3VTD800B 2.5kg Compact Vented Tumble Dryer in Black

Current sale price is £189

Fenix 8 AMOLED Smartwatch, 47 mm - Slate Grey

Current sale price is £740

Forerunner 165, GPS Running Smartwatch - Black/Slate Grey, WW

£249

RHTTF0E1B 43L Table Top Fridge - Black

Current sale price is £89

Sense 2, Health and Fitness Smartwatch

Current sale price is £159

RHFEO7004B Black 70L Built In Electric Fan Oven

£159

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

Current sale price is From £128.99

SR156130I 55cm Wide, Total No Frost, 50/50 split, Water Dispenser, Fridge Freezer - Inox

Current sale price is £299

Rivelia Bean To Cup Coffee Machine EXAM440.55 - Black

Current sale price is £674

Forerunner 55 GPS Running Smartwatch

Current sale price is £179

the Barista Express Impress Coffee Machine - Sea Salt

Current sale price is £629

RH3VTD800 2.5kg Compact Vented Tumble Dryer in White

£199

Series 5 AI Energy WW80CGC04DAEEU 8kg Load, 1400rpm Spin ecobubble Washing Machine with SmartThings - White

Current sale price is £349

fenix 8 - 43 mm AMOLED Smartwatch - Silver

Current sale price is £705

Inspire 3 - Black/Midnight Zen Health and Fitness Tracker with up to 10-days battery life. Android and iOS compatible

Current sale price is £58.99

SR750130W 143L Chest Freezer - White

£149

EC9155.W Manual Pump Coffee Machine

Current sale price is £399