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GREAT NEWS YOU CAN NOW APPLY TO INCREASE YOUR CREDIT LIMIT!

Click here to visit My Account and click Change my credit limit


GREAT NEWS YOU CAN NOW APPLY TO INCREASE YOUR CREDIT LIMIT BY UP TO £1000!

Click here to visit My Account and click Change my credit limit



Get £10 back when you spend £125 or more with code GETFESTIVE10
Get £20 back when you spend £175 or more with code GETFESTIVE20
Get £30 back when you spend £250 or more with code GETFESTIVE30

We will charge the full order value and then apply the credit back to your
chosen payment method once the order is dispatched. The code can only be used
once and not at the same time as other offer codes. Insurances &
delivery/installation charges are excluded from the offer. Please note that if
you return items from your order the credit will be reversed if the order value
falls below the required amount.

What is Buy Now Pay Later (BNPL)?
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 delayed
payment period starts from the date of order (including pre-ordered items and
those not ready for immediate dispatch).

Subject to eligibility, you may choose from:
BNPL for 6 months when you spend £100 or more.
BNPL for 9 months when you spend £200 or more.
BNPL for 12 months when you spend £300 or more.

The delayed payment period and qualifying minimum order value is subject to
offer and your account status and may be different to the values shown here. 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 to 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 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.


   PAY IN 3 WITH TAKE 3

   3 payments, 3 months, pay no interest.

 * Take 3 is always available with Very Pay for every item you purchase, any
   time you shop
 * You don't need to select Take 3 at checkout, simply add your purchases to
   your credit account and we will automatically calculate your Take 3 payment
   for you
 * All you need to do is pay the Take 3 amount shown on your statement, by the
   due date and you'll pay no interest
 * There's no extra cost, just a payment option that allows you to delay payment
   for at least 20 days and split the cost of your purchases into 3 equal
   payments
 * You can use Take 3 as many times as you want as long as you have the
   available credit on your Account
 * With Take 3 you can choose to pay less than the Take 3 amount. However, if
   you do, interest will be charged at your account rate
   
   
   
   

   *Excludes purchases on Buy Now Pay Later.


VERY PAY GIVES YOU A CHOICE OF WAYS TO 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 7% 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.




VERY PAY GIVES YOU A CHOICE OF WAYS TO 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 7% 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

This represents a typical cost of using Very Pay: Representative 44.9% APR
variable (annual interest rate of 44.9% variable). A personalised credit limit,
typically £1,000. You may be offered other promotional interest rates.


VERYPAY GIVES YOU A CHOICE OF WAYS TO 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 7% 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.


REPRESENTATIVE EXAMPLE

This represents a typical cost of using VeryPay:

Representative 44.9% APR variable (annual interest rate of 44.9% variable). A
personalised credit limit, typically £1,000. You may be offered other
promotional interest rates.

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.


MY ACCOUNT

 * Account summary
 * Track my order
 * Delivery & returns


WAYS TO PAY & PROTECT

 * Very Pay
 * Very Protect
 * Very Money Matters


CARDS & LOANS

   
 * Very Credit Card
   
 * Looking for a loan?


HELP

 * Help & FAQs
 * Product support hub
   
 * Financial difficulties
 * Cost of Living Support
   
 * Persistent debt
   
 * PPI complaints
 * Contact us
 * Terms & conditions
 * Product recall & safety
 * Careers
 * Become an affiliate
 * Corporate Social Responsibility
 * Fraud and scam awareness
 * Buying guides
 * Website Vulnerability Disclosure
 * Brand directory
 * Site map


PRIVACY NOTICE AND COOKIES

 * Privacy policy
 * Cookie policy
 * Manage cookies




DOWNLOAD THE APP




LET'S GET SOCIAL

 * Facebook
 * Instagram
 * Pinterest
 * Twitter
 * YouTube

© The Very Group Limited. All Rights Reserved.

Shop Direct Home Shopping Limited. Registered number: 4663281.Registered office:
1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.


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