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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

Price Match, Technology & Gaming, Asus, Fitbit, Optoma, Sony, Styletech, VTech

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Results: 1 - 30 (of 117)

ROG Xbox Ally - 7-inch 120Hz FHD IPS - AMD Ryzen Z2 - 16GB RAM, 512GB SSD - Handheld PC Gaming Console - White

Current sale price is £449

Versa 4 Fitness Smartwatch - built-in GPS, 6-day battery life, Android & iOS compatible - Waterfall Blue/Platinum Aluminium

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Gaming Desktop - GeForce RTX 5060 - AMD Ryzen 5 - 16GB RAM - 1TB SSD

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WH-1000XM6 Noise-Cancelling Over-Ear Headphones

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Sense 2, Health and Fitness Smartwatch

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Inspire 3 - Black/Midnight Zen Health and Fitness Tracker with up to 10-days battery life. Android and iOS compatible

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ULT WEAR Wireless Noise-Cancelling Headphones with ULT POWER SOUND

Current sale price is £115

WH-1000XM5 Noise-Cancelling Over-Ear Headphones - 30 hours battery life - Optimised for Alexa and Google Assistant with built-in mic

£229

Zenbook 14 OLED Laptop - 14in WUXGA (1920 x 1200), Intel Core Ultra 5, 16GB RAM, 512GB SSD - Blue

Current sale price is From £679

Vivobook Go 15 Laptop - 15.6in FHD, AMD Ryzen 3, 8GB RAM, 128GB SSD - Silver

Current sale price is £249

A6400 E-Mount Compact Mirrorless Camera With 16-50Mm Power Zoom Lens

£799

a7 III Full-frame Mirrorless Camera (Body + 28-70mm Zoom Lens)

Current sale price is £1385

Zenbook - 14in - Intel Core Ultra 9 - 32GB RAM - 1TB SSD - Blue

From £1179

PS-LX5BT Automatic Bluetooth Turntable – Black

£399

ROG Strix OLED XG27UCDMG Gaming Monitor - 27in, 240Hz 4K UHD QD-OLED - 0.03ms response time

Current sale price is £694

Vivobook 15 Laptop - 15.6in FHD, Intel Core 7, 16GB RAM, 1TB SSD - Silver

Current sale price is £549

WF1000XM6 Noise Cancelling In-Ear Headphones Black

£249

ULT FIELD 1 Wireless Bluetooth Portable Speaker with ULT POWER SOUND

Current sale price is From £73

WH-CH720N Noise-Cancelling Wireless Bluetooth Headphones - Up to 35 hours battery life and Quick Charge - Black

Current sale price is £65

ZVE10BDI.EU Alpha ZV-E10 APS-C Mirrorless Interchangeable-Lens Vlog Camera Body Only (Vari-Angle Screen for vlogging, 4K Video, Real-time Eye Autofocus)

Current sale price is £549

WF-1000XM5 Wireless Noise Cancelling Earbuds - Bluetooth, In-Ear Headphones with Microphone, Works with iOS & Android - Black

Current sale price is £169

ROG Strix XG32UCWMG 31.5" Gaming Monitor - 3840x2160 - Dual Mode 4K 240Hz/FHD 480Hz - WOLED - Black

Current sale price is £849

Zephyrus G 14 Gaming Laptop - 14in WQXGA+, GeForce RTX 5070, AMD Ryzen 9, 32GB RAM, 1TB SSD - Grey

From £1999

ILCE7M4KB.CEC Alpha 7 IV Full-Frame Mirrorless Camera with Sony 28-70 mm F3.5-5.6 Kit Lens (33MP, Real-time autofocus, 10 fps, 4K60p)

£2149

Alpha ZV-E10 Compact System Vlogging Camera with 16-50mm Power Zoom Lens, 4K Ultra HD, 24.2MP, Wi-Fi, Bluetooth, 3” Vari-Angle Touch Screen - Black

Current sale price is £649

Charge 6 - Porcelain Band / Silver Aluminum Case

£139

ULT FIELD 3 Wireless Portable Speaker

Current sale price is £105