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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

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Series 5 AI Energy WW90CGC04DABEU 9kg Load, 1400 Spin ecobubble Washing Machine with SmartThings - Black

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Series 5 AI Energy WW80CGC04DABEU 8kg Load, 1400 Spin ecobubble Washing Machine with SmartThings - Black

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Bespoke Jet Bot Combo+ 3-in-1 Cleaning VR7MD96514G/EU Robot Vacuum Cleaner - Satin Grey

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Series 5 AI Energy DV80CGC0B0ABEU 8kg Heat Pump Tumble Dryer with OptimalDry - Black

Current sale price is £559

Series 5 AI Energy WW90CGC04DAEEU 9kg Load, 1400 Spin ecobubble Washing Machine with SmartThings - White

£429

Series 5 WD80TA046BX/EU 8kg Wash, 5kg Dry, 1400 Spin Washer Dryer with ecobubble™ - E Rated, Graphite

Current sale price is £559

Series 5 AI Energy WW11DG5B25ABEU 11kg Load, 1400 Spin Washing Machine with SpaceMax - Black

Current sale price is £529

MC28H5013AS/EU 28-Litre Convection Microwave Oven with Ceramic Enamel Interior - Silver

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

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MC28A5125AK/EU 28-Litre, 900-watt Combination Microwave with Smart Humidity Sensor Technology - Black

Current sale price is £189

Series 5 AI Energy WW80CGC04DAEEU 8kg Load, 1400rpm Spin ecobubble Washing Machine with SmartThings - White

£389

Series 5 WD90DG5B15BBEU 9kg Load, 6kg Dry, 1400 Spin Washer Dryer with ecobubble Technology - Black

Current sale price is £649

Series 9 AI Home DV90F09F4SU1 9KG Smart Heat Pump Tumble Dryer - Dark Steel

£1099

Family Hub RS90F66BETEU Wifi Connected Plumbed Total No Frost American Fridge Freezer - Silver - E Rated

£2439

Series 5 AI Energy DV80CGC0B0AEEU 8kg Heat Pump Tumble Dryer with OptimalDry - White

Current sale price is £529

MC32DG7646CKE3 32-Litre Combi Bespoke Microwave with Air Fry - Black Glass

Current sale price is £299

Series 4 RB34C652ESA/EU Frost-Free Classic Fridge Freezer with Non-Plumbed Water Dispenser - Silver

Current sale price is £529

Series 5 AI Energy WW11DG5B25AEEU 11kg Load, 1400 Spin Washing Machine with SpaceMax - White

Current sale price is £449

MC28A5135CK/EU 28-Litre Convection Microwave Oven with Slim Fry™ Technology - Black

£269

MS23T5018AC/EU 23 Litre Solo Microwave with Triple Distribution System - Charcoal

Current sale price is £139

Bespoke MS23T5018AE/EU 23L Solo Microwave with Triple Distribution System - White

Current sale price is £119

Series 6 AI Energy WW11DG6B25LBU1 11kg Load, 1400 Spin Washing Machine with SpaceMax & SmartThings - Black

Current sale price is £529

Jet 75E Pet Max 200W Cordless Vacuum Cleaner with Pet Tool - Teal Mint

Current sale price is £249

Series 5 WD80TA046BE/EU 8kg Wash, 5kg Dry, 1400 Spin Washer Dryer with ecobubble™ - E Rated - White

Current sale price is £529

Series 6 AI Energy DV90T6240LN/S1 with OptimalDry™ Heat Pump Tumble Dryer - 9kg Load A+++ Rated - Platinum Silver

£739

Series 6 AI Energy DV90T5240AN/S1 OptimalDry™ Heat Pump Tumble Dryer - 9kg Load A+++ Rated - Graphite

£719

Series 6 AI Energy WW90DG6U85LEU1 9kg Load, 1400 Spin Washing Machine with Auto Dose - White

Current sale price is £459