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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 all console games, 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.

Sale is on! Save on 1000s of lines

Sale is on! Save on 1000s of lines

Upto 40% off Big Brands, Appliances, beldray, d555, hilly, jdy, ps paul smith, Samsung

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Results: 1 - 30 (of 38)

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

Current sale price is £359

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

Current sale price is £479

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

£2549

Series 7 RB34C632EBN/EU Classic Fridge Freezer with Non Plumbed Water Dispenser - Black

Current sale price is £729

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

Current sale price is £449

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

Current sale price is £549

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

£519

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

Current sale price is £529

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

Current sale price is £389

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

Current sale price is £429

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

£669

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

Current sale price is £699

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

£1149

NZ64H37070K/EU 60cm Intuitive Induction Hob - Black

Current sale price is £269

Series 5 AI Energy DV90CGC0A0AEEU 9kg Heat Pump Tumble Dryer with OptimalDry - White

Current sale price is £599

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

£569

Bespoke AI Series 9 AI Home RS90F64EEFEU 621L Smart American Fridge Freezer - Black

£2069

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

Current sale price is £989

Series 6 RS57DG400EM9 American-Style Smart Fridge Freezer with SpaceMax™ technology - Gentle Silver Matt

Current sale price is £959

Series 8 RF48A401EB4EU French Style Fridge Freezer with Twin Cooling Plus - Matt Black

Current sale price is £999

Series 5 AI Energy DV90CGC0A0ABEU 9kg Heat Pump Tumble Dryer with OptimalDry - Black

Current sale price is £619

Series 7 AI Energy DV90T6240LE/S1 9kg Load Heat Pump Tumble Dryer with with OptimalDry - White

Current sale price is £779

Bespoke AI Series 9 AI Home RS90F64EETEU 621L Smart American Fridge Freezer - Silver

£2199

Series 9 AI Home WF90F09C4SU1 9kg Load 1400rpm Spin Smart Washing Machine - Dark Silver

Current sale price is £949

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

£1149

Series 4 RB34C600ESA/EU Frost-Free Classic Fridge Freezer with All Around Cooling - E Rated - Silver

Current sale price is £659

Series 6 BRB70F26DES0EU Integrated 70/30 Frost Free Fridge Freezer with SpaceMax™ technology - White

£759

BRZ22600EWW/EU Built-in One Door Freezer with SpaceMax Technology - White

Current sale price is £1219

Series 8 RF48A401EM9/EU French Style Fridge Freezer with SpaceMax - E Rated - Gentle Silver Matt