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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 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.

Last chance - Clearance.

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H-WASH & DRY 350 H3DPS4866TAMB-80 8kg / 6Kg Washer Dryer, 1400 spin, D Rated - White

Current sale price is £339

H-WASH 500 HW 410AMC/1-80 10kg Load, 1400 Spin Washing Machine - White, with Wifi Connectivity - A Rated

Current sale price is £219

CBW48TWM5J-80 Washing Machine, 8kg - White

Current sale price is From £349

H-WASH & DRY H3DPS4966TAMB-80 9/6kgWasher Dryer, 1400 Spin, Wifi - White

£369

BC4S49M6DB8J-80 Integrated 9kg WiFi Connected Washing Machine, 1400 rpm, A Rated - White

Current sale price is From £379

H-WASH & DRY 350 H3DPS4866TAMBR8 8/6kg Washer Dryer, 1400 Spin, Wifi, A Wash / D Dry - Graphite

Current sale price is £359

HTW5618EWMG 60/40 Total No Frost Fridge Freezer, E-Rated with Wifi, Water Dispenser - Silver

Current sale price is £579

Brava CDIH 2L952-80 45cm Wide Slimline 9-Place Integrated Dishwasher, E Rated - Black

Current sale price is From £239

H-WASH 350 H3WPS4126TAMB580 12kg Washing Machine, A-rated, 1400 rpm, Wi-fi - White

£329

X Series 5 HW100-BP14357UUK 10kg Washing Machine with 1400 rpm spin, WiFi Connected, White, A Rated

Current sale price is £349

CSO 696TWMBB6-80 9kg Smart Pro Inverter - Black

£369

Smart Pro CSOE C10DE-80 10kg Load Condenser Tumble Dryer White

£319

H-WASH & DRY 300 H3D 485DE 8kg Wash / 5kg Dry Washer Dryer with 1400 rpm Spin - White

Current sale price is £349

H-WASH & DRY 350 H3DPS6966TAMBR80 9kg/6kg Washer Dryer, 1600 rpm, Wifi - Graphite

Current sale price is £379

Pro Wash Series 3 HBR 411BL9G-80 - 11kg 14 spin - Graphite

Current sale price is £369

HFR5719ENPB 70cm Wide Frost-Free American Fridge Freezer, E Rated - Slate Black

£699

H-WASH 350 H3WPS4146TAMB-80 14kg Washing Machine, A-rated, Wi-fi, 1400 rpm - White

Current sale price is £399

Quick Pro GWD 485S6-80 Washer Dryer 8+5kg White

Current sale price is £349

Cube 90 Series 5 HCR5919EHMP Plumbed Total No Frost American Fridge Freezer, Platinum Silver, E Rated

Current sale price is £849

HFR5719EWPB Non-Plumbed Total No Frost American Fridge Freezer with Water Dispenser, E Rated - Slate Black

£749

HONLQ2S58EWK Under Counter Fridge - White

Current sale price is £199

HDPH 2D1049W Freestanding Slimline 10-Place Dishwasher - White

Current sale price is £259

H-WASH 400 BH4S69M6D9J-80 Integrated 9kg WiFi Connected Washing Machine with 1600 rpm, A Rated - White

Current sale price is From £409

Pro Wash Series 3 HBR 410BL8-80 - 10kg 1400 spin - White

£349

SBS 90 Series 7 HSW79F18ANMM(UK) Wifi Connected, Total No Frost American Fridge Freezer, Silver - A Rated

£1799

HFR5719EWMP 70cm Wide Total No Frost American Fridge Freezer with Water Dispenser, E Rated - Platinum

£749

X Series 5 HW130BP14357GUUK 13kg Washing Machine with 1400 rpm spin, WiFi Connected, Graphite, A Rated

Current sale price is £429

70cm French Series 3 Slate Black

Current sale price is £599

CROE C9TBGB-80 9KG Condenser Tumble Dryer

£299

F MCIDC N602/CA Built-In, Electric, Multifunctional Oven, 65L Capacity, A+ Rated - Black

From £189