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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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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!

Price Match, Technology & Gaming, Netflix

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A6Q 65" 4K Ultra HD Smart TV with Freely- 65A6QTUK

£399

32-inch QLED Q5F Smart TV - QE32Q5FAAUXXU

£329

A6Q 43" 4K Ultra HD Smart TV with Freely- 43A6QTUK

Current sale price is £199

A4Q 32" FHD LED TV with Freely- 32A4QTUK

Current sale price is £142

A6Q 55" 4K Ultra HD Smart TV with Freely- 55A6QTUK

Current sale price is £279

A6Q 85" 4K Ultra HD Smart TV with Freely- 85A6QTUK

£779

Q7F 55-inch QLED 4K Vision AI Smart TV - QE55Q7FA

£399

75P6K 75-inch 4K Ultra HD HDR Frameless Google Smart TV

£549

C5 65" OLED evo 4K HDR Smart AI TV 2025 - OLED65C55LA.AEK

£2299

UV1563DB 55" UltraHD 4K HDR Smart TV - 55UV1563DB

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A6Q 50" 4K Ultra HD Smart TV with Freely- 50A6QTUK

£249

HE2245KW 32-inch Smart TV HDR10 LED with Freely- 1T-C32HE2245KW- in White

Current sale price is £159

E78Q 50" 4K QLED Smart AI TV with Freely - 50E78QTUK

£299

A4Q 40" FHD LED TV with Freely- 40A4QTUK

£189

75-inch Crystal UHD U7000H 4K Vision AI Smart TV - UE75U7000HKXXU

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A6Q 75" 4K Ultra HD Smart TV with Freely- 75A6QTUK

£579

PF650K 43" LED 4K HDR PRO Smart Fire TV with Freely - 43PF650K

£189

Q7F 50-inch QLED 4K Vision AI Smart TV - QE50Q7FA

£399

U7Q 50" 4K ULED MiniLED 144Hz Smart AI TV with Freely - 50U7QTUK

£394

A7Q 75" 4K QLED Smart AI TV with Freely- 75A7QTUK

£649

A7Q 55" 4K QLED Smart AI TV with Freely- 55A7QTUK

£399

55T6C 55" QLED 4K HDR Fire Smart TV with Freely - 55T6C-UK

Current sale price is £279

S85F 55-inch OLED 4K Vision AI Smart TV - QE55S85F

£799

75C6K 75" QD MiniLED 4K HDR Google Smart TV - 75C6K-UK

£799

75-inch The Frame Pro Neo QLED 4K TV with Mini LED Vision AI Smart TV Art Mode & Wall Mount - QE75LS03HWUXXU

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E7Q 65" 4K QLED Smart AI TV with Freely - 65E7QTUK

£529

65-inch Crystal UHD U7000H 4K Vision AI Smart TV - UE65U7000HKXXU