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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

Technology, Gaming & Appliances, PCSpecialist

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Defiance Pro Gaming Laptop - 16in QHD+ 300Hz, GeForce RTX 5070 Ti, Intel Core i9, 32GB RAM, 1TB SSD - Black

Current sale price is £1879

Recoil 16 Gaming Laptop - 16in Mini-LED QHD+ 300Hz, GeForce RTX 5090, Intel Core Ultra 9, 64GB RAM, 2TB SSD - Black

£3899

Recoil 16 Gaming Laptop - 16in QHD+ 300Hz, GeForce RTX 5070 Ti, Intel Core Ultra 9, 32GB RAM, 2TB SSD - Black

Current sale price is £2139

Recoil 16 Gaming Laptop - 16in Mini-LED QHD+ 300Hz, GeForce RTX 5090, AMD Ryzen 9, 64GB RAM, 2TB SSD - Black

£3749

Recoil 16 Gaming Laptop - 16in QHD+ 300Hz, GeForce RTX 5070 Ti, AMD Ryzen 9, 32GB RAM, 2TB SSD - Black

£2399

Recoil 16 Gaming Laptop - 16in Mini-LED QHD+ 300Hz, GeForce RTX 5080, Intel Core Ultra 9, 32GB RAM, 2TB SSD - Black

£2999

Ionico Gaming Laptop - 16in QHD+ 300Hz, GeForce RTX 5070, Intel Core Ultra 9, 32GB RAM, 1TB SSD - Black

£1999

Recoil 16 Gaming Laptop - 16in Mini-LED QHD+ 300Hz, GeForce RTX 5080, AMD Ryzen 9, 32GB RAM, 2TB SSD - Black

£2949

Fusion 32 Gaming Desktop (RTX 5060 Ti, AMD Ryzen 5, 16GB RAM, 1TB SSD) with 24.5in FHD Monitor, Headset, Keyboard, Mouse and Mat

Current sale price is £999

Fusion 50 Gaming Desktop - AMD Radeon RX 9070 XT, AMD Ryzen 7, 16GB RAM, 1TB SSD - Black

£1899

Cypher 55 Gaming Desktop - GeForce RTX 5090, Intel Core i9, 64GB RAM, 4TB SSD - Black

Current sale price is £4749

Fusion 65 Gaming Desktop - GeForce RTX 5080, AMD Ryzen 7, 32GB RAM, 2TB SSD - Black

£2999

Fusion 30 Gaming Desktop - GeForce RTX 5060, AMD Ryzen 5, 16GB RAM, 1TB SSD - Black

Current sale price is £1149

Fusion 35 Gaming Desktop (GeForce RTX 5060 Ti, AMD Ryzen 5, 16GB RAM, 1TB SSD) Bundle with 24.5in FHD Monitor, Headset, Keyboard, Mouse & Mat

£1399

Cypher 25 Gaming Desktop - GeForce RTX 5060 Ti, Intel Core i7, 16GB RAM, 1TB SSD - Black

£1499

Fusion 25 Gaming Desktop (RTX 5060, AMD Ryzen 5, 16GB RAM, 1TB SSD) with 24.5in Monitor, Headset, Keyboard, Mouse & Mat

Current sale price is £999

Cypher 30 Gaming Desktop - GeForce RTX 5070, Intel Core i7, 16GB RAM, 1TB SSD - Black

£1899

Fusion 40 GeForce RTX 5060 Ti AMD Ryzen 7 16GB 1TB Black

£1499

Cypher 35 Gaming Desktop - AMD Radeon RX 9070 XT, Intel Core i7, 32GB RAM, 1TB SSD - Black

£1999

Fusion 34 Gaming Desktop, AMD Radeon RX 9060 XT, AMD Ryzen 5, 16GB RAM, 1TB SSD

£1349

Cypher 50 GeForce RTX 5090 Intel Core i9 32GB 2TB Black

Current sale price is £4399

Fusion Lumin 40 Gaming Desktop - AMD Radeon RX 9070 XT, AMD Ryzen 7, 32GB RAM, 2TB SSD - White

£2349

Cypher 40 Gaming Desktop - GeForce RTX 5070 Ti, Intel Core i7, 32GB RAM, 2TB SSD - Black

£2499

Fusion 75 GeForce RTX 5090 AMD Ryzen 7 32GB 2TB Black

£4599

Fusion Lumin 50 Gaming Desktop - 16GB GEFORCE RTX 5070 Ti, AMD Ryzen 7, 32GB RAM, 2TB SSD - White

£2649

Fusion Lumin 20 Gaming Desktop - GeForce RTX 5060 Ti, AMD Ryzen 5, 32GB RAM, 1TB SSD - White

Current sale price is £1539

Fusion 10 Gaming Desktop (AMD Ryzen 5, 8GB RAM, 512GB SSD) with 24.5in Monitor, Headset, Keyboard, Mouse & Mat

£699

Fusion 45 Gaming Desktop - GeForce RTX 5070, AMD Ryzen 7, 16GB RAM, 1TB SSD - Black

£1799

Fusion 34 Gaming Desktop Bundle, AMD Radeon RX 9060 XT, AMD Ryzen 5, 16GB RAM, 1TB SSD

£1449

Fusion Lumin 10 Gaming Desktop - GeForce RTX 5060, AMD Ryzen 5, 32GB RAM, 1TB SSD - White

£1599