Ways to pay

Gives you a choice of ways to pay

Representative 39.9% APR variable

Very Pay gives you the choice to pay now or later – its totally up to you. And you can avoid interest on every purchase.

Very Pay

Our flexible payment options are designed to let you pay for the things you want in a way that suits you. So whenever you shop with Very, you can spread the cost of your purchase.

Very Pay

You can pay in 3 with Take 3. That means splitting the cost of anything over 3 months. Plus, there’s nothing to pay for at least 20 days.

Just so you know, if you choose not to make your Take 3 payments, you’ll pay interest on your balance at your account rate. You always have the option to pay a minimum payment – this is detailed on your statement. If you pay this you’ll be charged interest and it’ll take you longer to pay off your balance.

Very Pay

You can even delay payment for up to 12 months with Buy Now Pay Later, subject to credit and account status.

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Ways to pay


A choice to pay the minimum payment or more when it suits you.

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Ways to pay

Pay in 3

3 payments, 3 months, pay no interest.

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Ways to pay

Buy now pay later

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Subject to credit and account status.

Ways to pay

Pay now

You can pay in full today using a credit or debit card.

Managing your account, and using the Very App

It's easy to keep track of your balance, how much you have available to spend and when payments are due. So you always know where you’re up to. And the Very app makes it even easier to see it at a glance.

Each month we'll issue you a statement. If you’re happy with paperless statements we’ll send you an email letting you know when your statement is ready. Prefer to receive your statements by post? No problem. You can change your preferences in My Account whenever you like. Your latest statement is always available in My Account too.

The Very App is easy to download and includes the following handy benefits:

  • View your balance and make payments on the go.

  • Sign into your account quickly and securely with Touch or FACE ID

Very Pay
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Very Pay

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. However just so you know, we can’t accept payments made from abroad via My Account. So if you’re on your hols (lucky you) and want to make a payment please call and use our automated payment service, click here for details.

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.

Did you know you can protect the things you love with Very Protect?

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Ways to borrow


Get an answer with Quickcheck

See if you're eligible for a Very Credit Card

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Shop Direct Finance Company Limited (exclusive credit broker). Capital One (lender) pay us for this introduction.


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Shop Direct Finance Company Limited act as a credit broker and earn a commission if you choose to take a loan product. Freedom Finance Ltd are also a broker and not a lender.