Very Pay Very Pay

Like to spread the cost without paying interest?

You’ll love Very Pay! Choose to pay now, pay later or pay over 3 months and pay no interest. In fact, you can spread the cost every time you shop with nothing to pay at checkout, and interest can be avoided on all purchases.

Representative 44.9% APR variable

Here's a quick guide to our payment options

So you can find out more and decide which suits you best

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

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Buy now pay later

You could delay payments on your purchases for up to 12 months depending on how much you spend.

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Subject to credit and account status.

Pay monthly

Choose to make a minimum payment or more when it suits you, on a fixed monthly date

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Pay now

Use your credit or debit card to pay in full today

Join Very Pay today. Checking your eligibility is quick and easy.

It only takes a minute, and it won’t harm your credit score

Check your eligibility

Did you know...

Very Pay’s flexible payment options give you multiple ways to pay that work your way. So every time you shop you can choose to pay right away or spread the cost.

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You can spread the cost in different ways. Whichever you choose you’ll never have to pay anything for at least 20 days!

Very Pay

With Take 3 you can split the cost of anything over 3 months, with 3 payments and pay no interest. And because it’s all in one place you’ll always know where you’re up to with a fixed monthly due date.

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Also, you can delay payments on your purchases for up to 12 months depending on how much you spend. If you are eligible for BNPL your offer details will be confirmed in checkout. Subject to credit and account status. The costs for delivery, installation services and monthly insurance products cannot be placed on Buy Now Pay Later.

Very Pay

So, there’s a range of ways to pay to avoid interest on all purchases

The Very App

  • When you download our app, it makes managing your account even more simple

  • View your credit limit and amount left to spend at a glance

  • Save items for later and we'll let you know if the price drops

  • Keep track of your payment due date and how much you need to pay

  • And with touch and face ID login, it's really easy to log in each time.

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Very Pay fact check


Aren't your prices quite expensive because you're a credit retailer?


We continually change our prices to remain as competitive as possible. Whether you pay now or later, with cash or credit, the price is always the same


Don't I need a credit account at Very to shop with you?


No, you can shop with or without having a Very Pay account. However, Very Pay allows you to spread the cost and pay later. It's always up to you!


Do I have to put everything on credit with Very Pay?


No, not at all. You can pay with a debit or credit card whenever you like and spread the cost whenever you want too. It's really that flexible


Does my payment due date change whenever I place a new order?


No, at Very you'll get a fixed payment due date which happens to be the same date each month so its really easy to remember and budget too!


I'm worried about paying interest


You can ALWAYS avoid paying interest, it's designed to help you do just that. You can pay in full at any time, pay over 3 months and pay no interest or Buy now pay later, ensuring the balance is paid before the delayed payment period ends.

Interest is calculated and compounded for the delayed payment period and is added to your account as a lump sum when this period ends. 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.

Choose how to pay your account

Online or via our App 24/7?

You can pay online 24 hours a day, 7 days a week, when you log into My Account and choose ‘Make a Payment’. Choose the amount you want to pay and enter your debit or credit card details. For Buy Now Pay Later, if you want to make a full or partial payment simply select “Pay Buy Now Pay Later” and allocate your payment to the specific Buy Now Pay Later you wish to pay off. Online payments reach your account instantly, but may take a day to show on your account. We accept all major credit and debit cards.

Direct Debit

Setting up a Direct Debit is really simple, too. Setting up a Direct Debit for the Minimum Payment means you’ll never forget your payment, and you can always make additional payments when you want to. Additionally, you can also set up a Direct Debit for our Pay in Full option and Take 3. It’s a safe and speedy way to pay your account with an automatic payment from your Bank Account - all you need is your bank sort code and account number. Go to My Account and select Make a Payment to set this up. Your Direct Debit payment will be taken on your fixed payment due date each month, unless this day falls on a weekend or on a bank holiday your payment will be taken the next available working day. The amount and the payment due date is confirmed on your statement. Just so you know, Direct Debit can’t be used to pay towards Buy Now Pay Later during the delayed payment period. So these need to be paid separately - you’re in control. If you need to cancel your Direct Debit you can do this from the Payments tab within My Account by clicking on to Direct Debit and selecting cancel. Please ensure you also cancel the Direct Debit with your bank/building society. You will then need to manually make any payments due on your account.

Internet/Telephone Banking

You can make payments directly from your bank by quoting our sort code 62-25-61 and account number 0000 0000 (no this isn’t a typo!). You’ll need to add your Very Pay account number into the payment reference field.

Alternative payment methods are available and detailed on the back of your statement.

Want some cost of living hints and tips?

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Ways to borrow


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See if you're eligible for a Very Credit Card

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