Home Instalment Plan | Grey

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.

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

Up to 50% off Sale

Up to 50% off Sale

Home Instalment Plan, Grey

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Results: 1 - 30 (of 664)

Emerson Media Full Unit Ready Assembled

Current sale price is £929

Broadgate Large U-shape Modular Sofa - Made to Order in the UK

£2599

Amara 4 Seater Sofa - Made to Order in the UK

£1229

New Dakota Velvet End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!) - Grey, Cream

Current sale price is From £499

Nova End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!)

From £379

Albion Chenille 3 + 2 Seater High Back Manual Recliner Sofa Set (Buy & SAVE!) - FSC® Certified

£1199

Remy End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!) - Grey

From £499

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

£999

Parker Fabric Right Hand Corner - Group Sofa - Made to Order in the UK - FSC® Certified

£1879

Alexis End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!) - Grey - FSC® Certified

Current sale price is From £159

Liberty Left Hand Fabric Chaise Sofa - FSC® Certified

£899

Talia Remote Controlled Adjustable Massage Bed with Mattress Options (Buy & SAVE!) - Grey

Current sale price is From £499

Torrance Bed with Built-In Side Tables and Lights with Mattress Options (Buy & SAVE!) - Grey

From £899

Broadgate Large U-shape Modular Sofa with Footstool - Made to Order in the UK

£3399

New Bailey Sofa Bed - FSC® Certified

£799

Miracoil Mattress Divan Bed - Firm

From £379

Prent TV Bed with Voice Control Mattress Options (Buy & SAVE!) - Grey

From £729

Charlotte 3 Seater Sofa Bed

£909

Amaya Bed Frame with Built-In Side Tables and Mattress Options (Buy & SAVE!) - Grey - FSC® Certified

Current sale price is From £399

Tivoli 1000 Pocket Divan - FSC® Certified

Current sale price is From £329

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

£1399

Clara Side Lift Ottoman Storage TV Bed - fits up to 43 inch TV - Light Grey

From £1039

Wilton Fabric 4 Drawer Storage Bed

From £659

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

£1129

Escana 3 Seater Sofa + Snuggle Chair (Buy & SAVE!)

£1499

Broadgate U-shape Modular Sofa - Made to Order in the UK