Home Instalment Plan | Customer Rating 1

Free standard home delivery on orders £75+

Expected delivery: Usually within 3-5 days (excluding Sundays and bank holidays).

Excludes large items.

Standard home delivery £3.99 on orders less than £75.

Get an extra 10% off selected Black Friday products when you enter code EXTRA at checkout. Offer ends 18/11/2026.

Product Insurance and delivery/installation charges are excluded from the offer. The code cannot be used in conjunction with any other promotional code.

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.

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.

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.

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

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.

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Shop Black Friday Deals

Shop Black Friday Deals

Home Instalment Plan, Customer Rating 1

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Results: 1 - 30 (of 39)

Bennett Ceramic Top Dining Table & Boucle Bench Set - Black/Natural - FSC® Certified

Current sale price is £769

Emerson Media Full Unit Ready Assembled

£1189

Savannah 120cm Round Ceramic Dining Table & 4 Nala Dining Chairs - FSC® Certified

Current sale price is £699

Maisie 5.1 True Surround Sound Bed with Electric TV Lift and App Controlled LED Lights

From £1199

Novara White Triple Bunk Bed with Mattress Options (Buy & SAVE!) - White - FSC® Certified

From £449

Coast 3 Seater Sofa + Footstool (Buy & SAVE!) - FSC® Certified

£1109

Messina 3 + 2 Seater Fabric Sofa Set (Buy & SAVE!) - FSC® Certified

Current sale price is £899

Pavilion Leather/Faux Leather Power Recliner 3 Seater and Armchair Set (Buy & SAVE!) - FSC® Certified

Current sale price is £1179

Messina 3 Seater Sofa + Armchair Set (Buy & SAVE!) - FSC® Certified

Current sale price is £799

Carina Oversize Headboard Bed with Mattress Options (Buy & SAVE!) - Black

Current sale price is From £432

Dury Chunky Weave Scatterback 3 Seater + 2 Seater Sofa Set (Buy & SAVE!) - Natural - FSC® Certified

£1129

Sheridan Divan Base, Comfort Plus Mattress and Headboard - FSC® Certified

Current sale price is From £449

Amersham 4 Seater Scatter Back Fabric Sofa - Made to Order in the UK - FSC® Certified

£1699

Emerson Media Unit Ready Assembled

£939

New Bailey Corner Sofa - FSC® Certified

£1449

Minc Fabric Right Hand Corner Chaise Sofa - Made to Order in the UK

£1449

Montreal Ready Assembled 4 Piece Package - 3 Door Mirrored Wardrobe, 5 Drawer Chest and 2 Bedside Chests - FSC® Certified

Current sale price is £959

Coast 3 Seater Fabric Sofa + Armchair (Buy & SAVE!) - FSC® Certified

£1229

Parker Fabric 3 Seater Sofa - Made to Order in the UK

Current sale price is £699

Hanna 4 Piece Bedroom Set - 3 Door Wardrobe, 5 Drawer Chest plus 2 Bedside Chests - White

£699

Carina Oversize Headboard Bed with Mattress Options (Buy & SAVE!) - Oak

Current sale price is From £432

Trinity Fabric Right Hand Double Arm Corner Group Sofa - Made to Order in the UK

Current sale price is £1099

Kaluna Fabric 4 Seater Sofa - Made to order in the UK

£1229

Carina Black 120cm Round Dining Table & 4 Romie Chairs - FSC® Certified

Current sale price is £599

Cannes Italian Leather 3 Seater Sofa - FSC® Certified

£1149

Carina Black 200cm Oval Dining Table And 4 Mia Pleated Back Chairs