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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.

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H-Dry 300 Lite HLE V9DGB 9kg Vented Tumble Dryer - Black

£299

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

£349

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

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From £249

HONUQ2L58EXK Under Counter Freezer - Silver

£249

H-FRIDGE 300 HOCT3L517EBK 55cm Wide, 175cm Tall, Low Frost Freestanding Fridge Freezer - Black

£329

HSW59F18EIPT Plumbed Frost Free American Fridge Freezer, Black, E Rated

£1049

3D Combi Series 3 HTR3518ENMWK 60/40 Fridge Freezer – White

£449

H4F306SDH1K TNF Upright Freezer with InstaSwitch - Silver -D Rated

£699

HHCR3818ENPL Total No Frost American Fridge Freezer, E Rated - Inox

£649

H-DISH 500 dishwashers are the perfect combination of stylish design, high performance and innovative features, and with a capacity for 16 place settings, this is perfect for large families.

£399

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From £329

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

£849

HWS84GA 49-Bottle Wine Cooler, Single Zone, F Rated - Black

£499

H-OVEN 300 HO9DC3UB308BI 90cm Built Under Double Oven - Black & Stainless Steel

From £429

CBW 48D1W4-80 Integrated 8kg Load, 1400 Spin Washing Machine

From £349

HCE520EK 500 Litre Chest Freezer, E-Rated - White

£549

HONLQ2S58EWK Under Counter Fridge - White

£199

Series 4 HAVG6BF4TBPB 60cm Gas Hob, 4 Burners, Black Glass

£449

70cm French Series 3 Slate Black

£649

X Series 5 HWD120BP14357GUK - 12+8kg Graphite

£649

CBW 49D1W4-80 Integrated 9kg Load, 1400 Spin Washing Machine

From £359

I-Pro Series 7 Plus HW110-B14979S8EU1 10kg 1400rpm Spin Washing Machine, A Rated - Graphite

£499

X Series 9 HW100-B14387UUK 10kg Washing Machine with 1400 rpm spin, WiFi Connected, White, A Rated

£599

H4F272WEH1K Upright Freezer with Instaswitch - White - E Rated

Current sale price is £499

CLHS58EBK UC 55cm Freestanding Fridge - Black

£189

CMLS68EWK Integrated Undercounter Fridge, E Rated - White

From £279

HONOQ2S58EWK Under Counter Fridge with Ice Box - White

Current sale price is £219