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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.

Extra 15% off selected

Price Match, Haier, Insta360, MEGA, Neff, Sharp

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Results: 1 - 30 (of 62)

HE2245KW 32" HDR TiVo Smart TV with Freely - 1T-C32HE2245KW

Current sale price is £149

HTW7620DNGB Total no Frost Fridge Freezer Black Glass

Current sale price is £699

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

£699

Ace Pro 2 Waterproof 8K Action Camera

Current sale price is £319.79

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

£449

90 Series 7 HSPR79F18EWMB Non-Plumbed, Total No Frost, American Fridge Freeze - Black

£949

Series 5 HEK5A Smart Kettle with 7 Temperature settings and keep warm function

Current sale price is £79

Build 'n Learn Table

Current sale price is £17.99

N50 S155HVX00G Full Size, 13-Place Settings Integrated Dishwasher with Extra Dry - Stainless Steel - D Rated

Current sale price is £499

X4 Air 8K 360° Camera

Current sale price is £294.99

34 Bottle Single Zone Wine Cooler - Black

£329

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

£849

N50 B3ACE4AN3B Slide & Hide 60cm Built-in Electric Single with Oven - Stainless Steel

£699

X5 8K 360° Action Camera

Current sale price is £424.99

N70 T26PIP4S0 60cm Intergrated Gas Hob - Black

£399

GO Ultra 4K Camera

Current sale price is £329.99

N30 T36FBE1L0 60cm Electric Induction Hob - Black

£399

N30 B1DCC0AK3B 60cm Built In Electric Single Oven with CircoTherm - Black

£449

HCE520EK 500 Litre Chest Freezer, E-Rated - White

£549

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

£1149

N30 S153HTX02G Full Size, 14-Place Settings Integrated Dishwasher with Extra Dry - Stainless Steel - D Rated

£449

HCE321DK 319L Chest freezer White

Current sale price is £459

N70 T66FHX4L0 60cm Electric Induction Hob - Black

£699

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

£799

HFKR7819DWGB Total no Frost American Fridge Freezer Black Glass

£1199

N30 B2DCG7AK3B 60cm Built In Electric Single Oven with Pyrolytic Cleaning - Black

£549

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

Current sale price is £809

X Series 5 HD80-D357GU1-UK 8kg Heat Pump Tumble Dryer, Graphite, A++ Rated, Wifi

Current sale price is £449

Series 5 HTO5A3 Smart Toaster with extra-large slots

Current sale price is £59

I-Clean Series 4 HATS6CBS4B 60cm Chimney Cooker Hood, Black

£369