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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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Results: 1 - 30 (of 44)

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

Current sale price is £349

Series 7 SpaceMax RS57DG410EB4EU 578-Litre, Smart American Fridge Freezer with SpaceMax Technology - Black

Current sale price is £899

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

Current sale price is £469

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

Current sale price is £149

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

Current sale price is £719

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

Current sale price is £189

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

Current sale price is £529

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

Current sale price is £299

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

Current sale price is £449

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 WW90DG6U85LEU1 9kg Load, 1400 Spin Washing Machine with Auto Dose - White

Current sale price is £459

Series 5 AI Energy WW80FG5L32AEEU 8kg Load, 1200rpm Spin ecobubble Washing Machine with SmartThings - White

Current sale price is £369

Series 4 NV7B41403AK/U4 76-litre Electric Smart Oven - Black

Current sale price is £489

Bespoke RZ32C7BDEB1/EU Tall Freezer with SpaceMax™ technology - Black Stainless

Current sale price is £999

Series 5 WD11DG5B15BBEU 11kg Wash, 6kg Dry, 1400 Spin ecobubble Washer Dryer - Black

Current sale price is £799

Series 6 AI Energy WW90DG6U85LBU1 9kg Load, 1400 Spin Washing Machine with Auto Dose - Black

Current sale price is £479

Series 4 RB34C600EBN/EU Frost-Free Classic Fridge Freezer with All Around Cooling - E Rated - Black

Current sale price is £529

MS32DG4504ATE3 32 Litre Large Capacity Solo Microwave - Stainless Steel

Current sale price is £129

Series 6 SpaceMax RS70F65QETEU Wifi Connected Total No Frost American Fridge Freezer - Silver - E Rated

Current sale price is £1049

Series 6 DW60M6050FS Dishwasher, 14 Place Settings and a Flexible '3rd Rack' Cutlery Tray - Silver

Current sale price is £459

Series 8 RB50DG632ES9EU 505-litre Smart Combi Fridge Freezer with Spacemax Technology - Silver

Current sale price is £869

Series 7 DW60CG550FSREU Freestanding 60cm Wide 14-Place Dishwasher with Auto Door - Silver

Current sale price is £469

Series 5 AI Energy WD90DG5G34BBEU 9kg Wash, 5kg Dry, 1400rpm Spin Smart Slim Depth Washer Dryer - Black

Current sale price is £679