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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!

Latest Shark & Ninja Deals, Appliances, All Offers

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Results: 1 - 30 (of 59)

Combi 12-in-1 Multi-Cooker, Oven & Air Fryer SFP700UK

Current sale price is £248

PowerDetect UV Reveal 2-in-1 Vac & Mop Robot Vacuum - Black RV3000XEUK

Current sale price is £549

Foodi 8-in-1 Possible Cooker - Sea Salt Grey MC1001UK

Current sale price is £117

Pro Steam Mop - Reusable, Machine Washable Cleaning Pads - 5.5 Metre Cord - White - S1000UK

Current sale price is £39

PowerPro Cordless Stick Vacuum, with Anti Hair Wrap & Floor Detect - IZ380UK

Current sale price is £174

StainForce Cordless Stain-Destroying Spot Cleaner, HX100UKT

Current sale price is £129

Foodi Max Pro Health Grill, Flat Plate & Air Fryer AG651UK

Current sale price is £274

Detect XL Pet Pro Corded Upright Vacuum LA791UKT

Current sale price is £331

CarpetXpert HairPro Pet Deep Carpet Cleaner with Built-In StainStriker - EX300UK

Current sale price is £299

Cordless Handheld Vacuum Cleaner WV200UK

Current sale price is £119

Detect Power Blender Pro TB201UK

Current sale price is £99

PowerDetect Clean & Empty Cordless Pet Vacuum Cleaner - IP3251UKT

Current sale price is £329

Stratos Cordless Stick Vacuum with Anti Hair-Wrap Powerfins Technology and Flexology True Pet brush 120 mins IZ420UKT

Current sale price is £299

Stratos Cordless Stick Vacuum with Anti Hair-Wrap Powerfins Technology and Flexology 60 mins - IZ400UK

Current sale price is £209

SteamPickUp Hard Floor Cleaner - SD200UK

Current sale price is £169

CarpetXpert Deep Carpet Cleaner EX150UK

Current sale price is £193

Steam Mop & Handheld Steam Cleaner - S6005UK - With Steam Blast Mode For Stubborn Dirt

Current sale price is £149

HydroVac Corded Hard Floor Cleaner WD110UK

Current sale price is £179

MAX 6-in-1 Dual Zone Air Fryer 9.5L DZ400UK

Current sale price is £179

6-in-1 MAX Grill & Air Fryer

Current sale price is £199

5-in-1 Grill & Air Fryer EG351UK

Current sale price is £149

CRISPi 4-in-1 Portable Glass Air Fryer - Cyber Space FN101UKGY

Current sale price is £129

CRISPi 4-in-1 Portable Glass Air Fryer - Sage FN101UKSG

Current sale price is £129

CRISPi 4-in-1 Portable Glass Air Fryer - Stone FN101UKST

Current sale price is £129

Double Stack 2-Drawer Air Fryer 7.6L - SL300UK

Current sale price is £175

Sizzle Low Smoke Indoor Grill & Flat Plate GX101UK

Current sale price is £149

Double Stack XL 2-Drawer Air Fryer 9.5L SL400UK