Free standard home delivery on orders £75+

Expected delivery: Usually within 3-5 days (excluding Sundays and bank holidays).

Excludes large items.

Standard home delivery £3.99 on orders less than £75.

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.

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.

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.

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

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.

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Up to 40% off Bank Holiday Deals

Up to 40% off Bank Holiday Deals

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1i Series WF1I1142BBL2 11kg, 1400 Spin Washing Machine - Black - A Rated

Current sale price is £299

HDE3211BBUK Electric Cooker with Ceramic Hob - Black

Current sale price is £389

Large Concept Tote Bag - Black

£105

3S Series WF3S9043BB3 WiFi-enabled 9kg Wash, 1400 Spin Washing Machine - Black

£299

5S Series DH5S102BB 10kg Load Tumble Dryer with Touch Control, Ion Refresh - Black - A+++ Rated

£549

3S Series WD3S8043BB3 WiFi-enabled 8kg Wash, 5kg Dry, 1400 Spin Washer Dryer - Black

£369

Hi6 Max HDCEIT6C20B 80/50L Induction Freestanding 60cm Electric Cooker - Jet Black

Current sale price is £589

HS622E90BUK 13-Place Freestanding Dishwasher - Black

£279

A6Q 65" 4K Ultra HD Smart TV with Freely- 65A6QTUK

Current sale price is £389

HS663A90BXUK Full Size 16-Place A Rated Freestanding Dishwasher - Black Inox

£449

H25MOBS7HUK 25 Litre Microwave - Black

£98

Anna Zipped Tote Bag - Black

£130

Hi2 BI622ABPGUK Built In Electric Single Steam, Plug & Play Oven - Jet Black

Current sale price is £249

3S Series WF3S8043BB3 WiFi-enabled 8kg Wash, 1400 Spin Washing Machine - Black

£289

3S Series WF3S1043BB3 WiFi-enabled 10 kg 1400 Spin Washing Machine - Black

Current sale price is £329

A6Q 55" 4K Ultra HD Smart TV with Freely- 55A6QTUK

£299

Relaxed Fit Heavy Weight T-Shirt - Black

£55

HS673A90BXUK Full Size WiFi-enabled Dishwasher - Black Inox

£499

H29MOBS9HGUK 29 Litre Microwave - Black

£109

KitchenFit 5i Series WF5I1045BBQ WiFi-enabled 10.5kg, 1400 Spin Washing Machine - Black - A Rated

Current sale price is £449

A4Q 32" FHD LED TV with Freely- 32A4QTUK

£149

Taylor Halterneck Maxi Dress In Floral Red And Blue Print - Black

£130

KitchenFit 3i Series WF3I9043BBFS2 WiFi-enabled 9kg, 1400 Spin Washing Machine - Black - A Rated

Current sale price is £399

Mid Weight Cotton Jersey T-Shirt - Black

£55

Lightweight Unlined Ripstop Jack - Black

Current sale price is £136

A4Q 40" FHD LED TV with Freely- 40A4QTUK