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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, 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.

Extra 15% off selected

Home Improvement, Power Tools, All Offers

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Results: 1 - 30 (of 50)

18V Cordless Drill Electric Driver Set with 151-Piece Accessory Set and Case

Current sale price is £45

Corded 250mm Table Saw and Stand - TC-TS 2025/2 U (1800W)

Current sale price is £125

Corded Dry Wall Sander - TC-DW 225

Current sale price is £120

PXC Cordless Combi Drill & Impact Driver (18V includes battery)

Current sale price is £116

50 Piece Drilling and Screwdriving Set STA88542-XJ

Current sale price is £20

PXC Cordless Multi Tool - TC-MG 18 Li Solo (18V without battery)

Current sale price is £45

F210CMS Fury 210mm MP Compound Mitre Saw

Current sale price is £60

RY18PCA-0 18V ONE+ Cordless Patio Cleaner with Wire Brush (Battery + Charger not Included)

Current sale price is £102

18V V20 Cordless Brushless Impact Driver 1 x 2.0Ah Battery SFMCF810D1K-GB

Current sale price is £90

RSDS18BL-0 18V ONE+ Cordless Brushless SDS+ Drill (Bare Tool)

Current sale price is £180

R185CCSX 185mm Multi-Material Circular Saw & Track (Combination Pack)

Current sale price is £98

PXC Cordless Hand Held Vacuum - TE-VC 18 Li-Solo (18V without battery)

Current sale price is £35

Cordless Drill 20V Brushless Driver Impact Hammer Action Combi Set with 2.0Ah Battery and Fast Charger, 50Nm Electric Screwdriver, 19+3 Torque,

Current sale price is £75

Power X-Change Classic 18V Drill Driver 1 X 1.5AH

Current sale price is £49

18V Hammer Drill and Impact Driver Twin Kit BCK25S2S-GB

Current sale price is £80

Classic 1600W 43J SDS Hex Demolition Hammer

Current sale price is £140

Cordless Screwdriver - TC-SD 3.6V Li (3.6V includes battery)

Current sale price is £18

Multi-Drill

Current sale price is £108

RTR18-0 18V ONE+ Cordless Trim Router (Bare Tool)

Current sale price is £100

20V PowerShare 50Nm Cordless Hammer Drill with x2 2.0Ah Battery & 51pc Bit Kit

Current sale price is £85

Multi Tool 300W Oscillating Electric Multifunction Tool, Quick Blade Release with 48 Piece Accessory Kit and Carry Case

Current sale price is £40

20V PowerShare 24mm Cordless Jigsaw with x1 2.0Ah Battery, Charger & Case

Current sale price is £90

VersaFlame (with Additional Soldering Tip)

Current sale price is £45

18V Cordless Driver-Lithium Ion Drill

Current sale price is £30

RID18BL-0 18V ONE+ Cordless Brushless Impact Driver (Bare Tool)

Current sale price is £109

20V PowerShare 300Nm Cordless Impact Wrench with x2 2.0Ah Battery & Charger

Current sale price is £179.99

18V Brushless Reciprocating Saw

Current sale price is £140

Dremel corded multi tool Stylo+ 7w

Current sale price is £50

20V PowerShare Cordless Brushless Oscillating Multi Tool with x1 2.0Ah Battery & Charger

Current sale price is £134

Multi-Tool PMF 2000 CE 230V

Current sale price is £60

Results: 1 - 30 (of 50)