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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

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.

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Free returns

Shop the brands you love

Pay later with Very Pay

Free Click & Collect

Free returns

Shop the brands you love

Pay later with Very Pay

Up to 60% off Sale!

Up to 60% off Sale!

Latest Electricals Offer, Hoover

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Results: 1 - 30 (of 111)

H3WPS4106TAMBR80 10kg 1400 Spin Washing Machine - Graphite

£299

H-WASH 350 H3WP4106TMB6 10kg Washing Machine, 1400 spin, A rated, Wifi Connected - White

£299

H-DRY 350 HRE C9TBE-80 Wifi Connected 9Kg Condenser Tumble Dryer, B Rated - White

£299

Pro Wash Series 5 HBP 410BL8G-80 10kg Washing Machine, A Rated, 1400 rpm, Graphite, Wifi

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H-DRY 350 HRE C10TBER-80 Wifi Connected 10kg Condenser Tumble Dryer, B-Rated - Graphite

£329

Pro Wash Series 5 HBP 410BL8-80 10kg Washing Machine, A Rated, 1400 rpm, White, Wifi

Current sale price is £329

HOSS3T918EIXK Non-Plumbed Water & Ice American Fridge Freezer - Inox - E Rated

Current sale price is £749

Pro Wash Series 3 HBR 411BL9G-80 - 11kg 1400rpm spin - Graphite

£349

HRE C10TE-80 10kg Condenser Tumble Dryer - White

£319

HONLQ2S58EBK Under Counter Fridge - Black

Current sale price is £199

HONCQ3T518EWXK 55cm Total No Frost Fridge Freezer with Water Dispenser - Silver - E Rated

£379

H-FRIDGE 300 HOCT3L517EWSK-1 55cm Wide, Low Frost Fridge Freezer with non-plumbed Water Dispenser - Silver

Current sale price is £329

HHCR3818EWPL Non Plumbed Total No Frost American Fridge Freezer, E Rated - Inox

£699

H-FRIDGE 300 HOCT3L517EWWK-1 55cm Wide, Low Frost Fridge Freezer with non-plumbed Water Dispenser - White

£319

H-WASH 400 BH4SD69M6DB9-80 Integrated 9kg WiFi Connected Washing Machine, 1600 rpm, A Rated - White/Black

Current sale price is From £479

HONCQ3T518EWWK 55cm Total No Frost Fridge Freezer with Water Dispenser - White - E Rated

Current sale price is £349

HBR 495BL8G-80 Pro Wash Series 3, 9kg, A-20% Energy Class, 1400 rpm, Wifi, Freestanding Washing Machine - Graphite

Current sale price is £299

CUHS58EWK 55cm Under Counter Freezer - White - E Rated

£179

Pro Wash Series 3 HBR 411BL9-80 - 11kg Load, 1400 Spin -Washing Machine - White

£349

HBW 49TAMEJ-80 9kg BUILT IN WASHING MACHINE White

Current sale price is From £399

HONCHQ6T200ESK Total No Frost Chest Freezer - Dark Inox - E Rated

£299

H-WASH 400 Pro BH4S69M6DB9BJ-80 Integrated 9kg Washing Machine, A Rated, 1600 rpm, Black, Wifi

Current sale price is From £449

MultiWash HMQD 410CBL9-80 10kg + 1kg + 1kg Washing Machine, 1400 rpm, White, A Rated

£799

HBR 410BL8-80 Pro Wash Series 3, 10kg, A-20% Energy Class, 1400 rpm, Wifi, Freestanding Washing Machine - White

£349.99

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

£369

H-Dry 350 HRE H10N2TBER-80 350 10kg A++ Graphite