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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

20% off your first credit order!

What you need to know
Apply for Very Pay to get 20% off your first credit order. Enter WELCOME at the checkout

Representative 44.9% APR variable

Excludes 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.

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Stanley FatMax STANLEY FATMAX 18V V20 Cordless Brushless Hammer Drill 1 x 2.0Ah Battery + 100 Accessories

Current sale price is £92.99

FATMAX® V20 18V Combi Drill and Impact Driver SFMCK465D2S-GB

£159.99

V20 18V Brushless Combi Hammer Drill in a Kitbox - 2x2.0Ah, 2A Charger

£129.99

V20 18V Circular Saw SFMCS500D1K-GB

£129.99

50 Piece Drilling and Screwdriving Set STA88542-XJ

£34.99

V20 18V Combi Hammer Drill Kit SFMCD711D21-GB

Current sale price is £105.99

V20 18V 16-Gauge Cordless Finishing Nailer SFMCN616D2K-GB

£269.99

STST1-75521 Essential 19-inch Toolbox with Metal latches - Black/Yellow

Current sale price is £19.99

V20 18V Brushless SDS Hammer Drill SFMCH900M12-GB

£179.99

18V V20 Cordless Brushless Impact Driver 1 x 2.0Ah Battery SFMCF810D1K-GB

£99.99

18V STANLEY FATMAX V20 Cordless Circular Saw (Tool Only) SFMCS500B-XJ

£89.99

SFMCHT885M1-GB V20 18V Lithium Ion Cordless Hedge Trimmer 4.0AH Battery

Current sale price is £158.99

18V STANLEY FATMAX V20 Cordless Angle Grinder (Tool Only) SFMCG400B-XJ

£89.99

Folding Workbench FMST1-75672

Current sale price is £109.99

SFMCPS620M1-GB V20 18V Lithium Ion Cordless Pole Pruner 4.0AH Battery

£183.99

V20 18V Reciprocating Saw SFMCS300D1K-GB

£130

18V STANLEY FATMAX V20 Cordless Random Orbit Sander (Tool Only) SFMCW220B-XJ

£79.90

V20 18V 51cm Brushless Cordless Lawn Mower - 2x 4.0Ah

£406.98

18V STANLEY FATMAX V20 Cordless Bandfile (Tool Only) SFMCE210B- XJ

£105.99

18V STANLEY FATMAX V20 Cordless Jigsaw (Tool Only) SFMCS600B-XJ

£89.99

18 Inch Tool Bag 1-93-950

£39

18V STANLEY FATMAX V20 Cordless Detail Sander (Tool Only) SFMCW221B-XJ

£79.90

Backpack 1-95-611

£72.99

1-96-178 Tool Apron

£27.99

V20 18V Jigsaw SFMCS600D1K-GB

£129.99

8M Tape Measure 0-33-726

£23

FatMax Box Beam Level 60cm

£35.99

FatMax Box Beam Level 180cm

£84.99

V20 18V Random Orbital Sander SFMCW220D1S-GB

£119.99

V20 33CM String Trimmer, 4.0Ah Batt, 2A Charger Brushed

Current sale price is £135

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