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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.

Easter deals!

Hoover Offer, All Offers

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HONUQ2L58EWK Under Counter Freezer - White

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

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

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Pro Wash Series 3 HBR 410BL8G-80 10kg Washing Machine, A Rated, 1400 rpm, Graphite, Wifi

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CROE C9TBGB-80 9KG Condenser Tumble Dryer

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HONUQ2L58EBK Under Counter Freezer - Black

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HONLQ2S58EWK Under Counter Fridge - White

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

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3D 60 Series 3 HTW3618ENPB 60/40 Total No Frost Fridge Freezer, Slate Black, E Rated

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

Current sale price is £419

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H-Dry 350 HRE H10N2TBE-80 350 10kg A++ White

Current sale price is £369

H-WASH 350 H3WPS4126TAMBR80 12kg Washing Machine, A-rated, Wi-fi, 1400 rpm - Graphite

Current sale price is £339

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

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Smart Pro CSOE C8DG-80 8kg Load Condenser Tumble Dryer - White

Current sale price is £269

H-DISH 500 HF 4B7F0W-80 Full Size Dishwasher, 16 Place Settings, White, B Rated

Current sale price is £379

77 Bottle Dual Zone Wine Cooler, hOn App connected - Black

Current sale price is £599

CBW48TWM5J-80 Integrated 8kg Washing Machine , A Rated, 1400 rpm, White

Current sale price is From £329

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Current sale price is £279

H-DISH 500 Full Size Dishwasher, 14 Place Settings, Wifi, Anthacite, B Rated

Current sale price is £399

CLHS58EBK UC 55cm Freestanding Fridge - Black

Current sale price is £179

HOB50S518EK 177cm High, Integrated 50/50 Static Fridge Freezer, E Rated - White

Current sale price is From £369

I-PRO SHINE XI1C3TB2FB-80 Slimline Fully Integrated 11 Place Dishwasher, WiFi Enabled, C Rated - Black

Current sale price is From £399

X Series 7 HW100-B14367U-UK 10kg Washing Machine with 1400 rpm spin, WiFi Connected, White, A Rated

Current sale price is £449

CB50N518EK 177cm High, Integrated 50/50 Frost Free Fridge Freezer, E Rated - White

Current sale price is From £379

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

Current sale price is £339

X Series 9 HD100-CQ387U1-UK 10kg Heat Pump Tumble Dryer, Wifi, White, A+++ Rated

Current sale price is £549

HOW023K 23 Bottle Capacity Wine Cooler, with Wifi - Black

Current sale price is £199