Nothing to pay at checkout, then 3 months, 3 payments pay no interest
Representative 44.9% APR variable
Spread the cost and pay no interest with Take 3
How it works
With Very Pay you can pay in 3 with Take 3, this lets you split the cost of anything over 3 months.
Plus, you’ll always have at least 20 days before you need to pay anything.
If you choose not to make all 3 Take 3 payments then you’ll pay interest on your balance at the account rate.
More information about paying in 3 with Take 3
What can I pay for using Take 3?
Anything from Very.co.uk! If your purchase is less than £15 however you'll need to make a minimum payment of £5.
How do I use Take 3?
It couldn't be easier. Once you have Very Pay, you can start shopping with Take 3, straight away. Simply click 'Add to Account' to put your purchases on your account. Remember you don't have to pay anything right away, just pay the Take 3 amount on your statement. We'll send you this each month. Your first Take 3 payment will be due on your payment date. By paying the Take 3 amount on your next 3 statements means you won't pay any interest on the item.
Can I use Take 3 more than once?
Yes there's no limit to the number of items you can put on Take 3 in one go, across the same month or in separate months! The only limit is your personal credit limit.
How do Take 3 payments work?
If you want to Take 3 you'll need to pay all 3 Take 3 payments over the 3 month period by their payment due date. If you miss a payment or are late you'll be charged interest and you may incur a late payment charge. You can also set up a direct debit on your account, to ensure you don't miss any payments. If at any time you want to pay less than the Take 3 amount, you can! You just have to pay at least the minimum payment on time each month but you'll be charged interest.
Can I pay as I want?
No, to pay with Take 3, you must pay at least the Take 3 amount detailed on your statement, and make all 3 payments on time over the 3 months. You'll avoid paying interest on the item if you do this.
What happens if I miss a payment, or my last payment of the 3?
Late payments, missed payments and insufficient payments will mean your purchases will no longer be eligible for Take 3 and you will be charged interest. If you fail to make your Minimum Payment by your payment due date we may charge a £12 fee.
Can I miss a Take 3 payment if I want to?
Yes, but if you do, you will incur interest and the purchases will no longer be eligible for Take 3. However you will still be required to make the minimum payment as detailed on your statement.
Can I use Buy Now Pay Later and Take 3 at the same time?
Yes, you can use both Take 3 and Buy Now Pay Later at the same time for different items, just not the same item. For example you can add items to your account and split the cost of this purchase into 3, and select BNPL for other items you want longer to pay for. You can make this choice at checkout.
What if I want to make a payment towards my Buy Now Pay Later purchase?
To make a payment towards a Buy Now Pay Later purchase you can do this over the phone or in My Account, by selecting the item you want to pay and allocating it to this. However your Take 3 payment is separate to this so you should also pay your Take 3 amount, by the due date to avoid paying interest.