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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, PlayStation 5 consoles, 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.

Up to 40% off

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Results: 1 - 29 (of 29)

HF0C3SB0FX-80 10 pl H-Dish Slim C Rated - Silver

Current sale price is £312

VA279HG Eye Care Gaming Monitor - 27in 120Hz, IPS FHD (1920x1080) Frameless, Wall Mountable

£83

Rapidò CI 4C7L0W-80 Integrated Full Size Dishwasher, 14 place setting, White, C Rated

From £279

VA249HG Eye Care Gaming Monitor - 24in 120Hz FHD (1920x1080), 1ms response time, Wall Mountable

£65

Series 7 RS70F66KCFEU 634-litre Smart American Fridge Freezer with Spacemax Technology - Black

Current sale price is £1409

DW60BG730FSLEU 13-Place Wifi Connected with Water Jet Clean Dishwasher - Stainless Steel - C Rated

£899

H7IC16M6UK - Integrated Dishwasher - Black

From £399

GSLE81EPBC 628L Smart Inverter American SBS matte black

£1399

KitchenFit Eclipse Series RL5K370GSFC Wifi connected Total No Frost Tall Fridge - Black Stainless Steel - C rated

£1099

HF 3C7L0W-80 13 place full size Freestanding Dishwasher with WIFI - White

Current sale price is £294

H-DISH 500 HI 5C6F0S-80 60cm Wide Fullsize Integrated 15-Place Dishwasher, WiFi Enabled, C Rated - Silver

From £349

RF728N4SASE Pureflat 90cm French Door, Water and Ice, American Fridge Freezer - Stainless Steel

Current sale price is £1499

SBS 90 Series 7 HSW79F18CIMM Plumbed Total No Frost American Fridge Freezer, Stainless Steel, C Rated

Current sale price is £1199

I-Pro Shine XF 5C4M1X-80 Full Size Dishwasher, 15-Place Setting, Wifi - Stainless Steel

Current sale price is £529

KitchenFit Eclipse Series FT5K310GSFC Wifi connected Total No Frost Tall Freezer - Black Stainless Steel - C rated

£1099

PureFlat Infinite RS818N4TFC American Smart Fridge Freezer - Black Stainless Steel

£1399

HBW7518CTK Refrigeration Combi Fridge Freezer White

Current sale price is From £899

HV642C65UK Full-Size Fully Integrated 14-Place Dishwasher

£399

HONCQ2T618CWK 60/40 Fridge Freezer, C-rated - White

Current sale price is £449

VU249CFE-P Eye Care Monitor - 24in, 100Hz FHD (1920 x 1080), IPS

£129

RH185FF601C1SS, 329L Freestanding 60/40 Split C Class Total No Frost Fridge Freezer in Stainless Steel

£609

PureFlat Infinite RS818N4TIC American Smart Fridge Freezer - Stainless Steel- C Rated

£1399

KitchenFit Eclipse RB5K330GSFC 60/40 Fridge freezer Wi-fi connected - Black Stainless - C Rated

£959

RH185FF601C1B, 329L Freestanding 60/40 Split C Class Total No Frost Fridge Freezer in Black

£609

I-Pro Shine XF5C4M1W-80 Full Size Dishwasher, 15 Place Setting, Wifi - White

£549

PureFlat RS5P668SSFC American Smart Fridge Freezer - Black Stainless Steel

£1199

RH185FF601C1AN, 329L Freestanding 60/40 Split C Class Total No Frost Fridge Freezer in Anthracite

£619

KitchenFit RB3K330SAIC 60/40 Fridge freezer

£699

LS24D400GAUXXU Monitor - 24in FHD IPS (1920x1080) with Height Adjust

£99

Results: 1 - 29 (of 29)