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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

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Results: 1 - 28 (of 28)

Store £100 Gift Card (Digital Download)

£100

Store £200 Gift Card (Digital Download)

£200

Store £150 Gift Card (Digital Download)

£150

Game Capture 4K S

Current sale price is £124.99

Store £120 Gift Card (Digital Download)

£120

PIXPRO WPZ2 16MP 4x Zoom Tough Compact Camera - Red - Camera + Sandisk 32GB MicroSD Card + System Bag

£175

422 Dash Cam Exclusive Bundle with Rear Camera, 32GB Memory Card and Carry Case

£198

PIXPRO WPZ2 16MP 4x Zoom Tough Compact Camera - Orange - Camera + Sandisk 32GB MicroSD Card + System Bag

£175

Halo Ultima Dual Deluxe 4K Dash Cam with 64GB MicroSD Card & Hardwiring Kit

£229.99

Star Wars: Unlimited - Secrets of Power Booster Display Set 6 FULL CDU

£119.99

Sonic PRO Plus microSD Memory Card with Adapter, 512GB microSDXC

£147.09

Halo Spark Dual Deluxe 1080p Dash Cam 64GB MicroSD Card & Hardwiring Kit

Current sale price is £179.99

8 channel 4 x Bullet cameras 2k CCTV Kit with 256 SD CARD

Current sale price is £249

Halo Vision 3 Rear View Mirror 1080p Dual Dashcam inc 64GB MicroSD Card & Hardwiring Kit

Current sale price is £229.99

PlayStation®5 DualSense® Wireless Controller – Marathon™ Limited Edition & £25 Store Gift Card x 2

£124.99

512GB microSDXC UHS-I card for Nintendo Switch

£124.99

Acer Iconia Tab A11 - A537 CPU, 11" WUXGA touchscreen, 4GB RAM, 64GB storage, microSD card, 5MP & 8MP cameras

£149

Acer Iconia Tab A10 - A537 CPU, 10.1" WXGA touchscreen, 4GB RAM, 64GB storage, microSD card, 5MP & 8MP cameras

£129

4K Dual-Lens Outdoor Camera, 2.4/5Ghz Wi-Fi, Auto-Zoom Tracking, Pan & Tilt, Night Vision Trackmix Series W760+64GB SD Card

£169.99

MicroSD Express 512GB - Compatible with Nintendo Switch 2

£179.99

4 channel 2 camera 1080P CCTV kit with 64GB SD card

£149.99

Halo Spark Deluxe 1080p Dash Cam inc 64GB MicroSD Card & Hardwiring Kit

£129.99

C31 2K Smart Video Doorbell with 32GB Micro SD Card and Chime, No Monthly Fees

£135.99

4K Wireless Outdoor Battery Security Camera, 180° View, ColorX Night Vision, Argus Series B740X+Solar Panel 2 + 64GB SD Card

Current sale price is £139.99

Acer Iconia Tab A11 - A537 CPU, 11" WUXGA touchscreen, 4GB RAM, 128GB storage, microSD card, 5MP & 8MP cameras

£179

Battery PT Wildlife 4G LTE Camera, Animal Detection & Recognition,4K 360° View Go Series G450 with Solar Panel 2 + 64GB SD Card

£229.99

4G Outdoor Security Camera, 2K 4MP, Battery/Solar-Powered, Smart Detection, Go Series G330 with Solar Panel + 64GB SD Card

Current sale price is £129.99

Halo Drive 2 1440p Dash Cam with 64GB MicroSD Card & Hardwiring Kit

£199.99

Results: 1 - 28 (of 28)