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INSPIRE ME

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£50 BACK


ON YOUR FIRST CREDIT ORDER

Successfully apply for Very Pay and spend £100 or more before 31st July 2023 and
we’ll give you £50 back back in your account.

Enter this code at checkout when making your first credit order:

50FORYOU



REPRESENTATIVE 39.9% APR VARIABLE

Go shopping

We will charge the full order value then apply £50 back to your account once the
order has been despatched. If you return items from your order and the order
value falls below £100, the benefit will be reversed. Offer can't be used in
conjunction with any other code and excludes pre-order items, insurances and
delivery/installation charges.

Find out more Check eligibility

Shop now

Nespresso
CitiZ Coffee Machine by Magimix
Item number - KKGCT4E
£210


APPLY TO UPGRADE TO VERY PAY
AND YOU UNLOCK GREAT BENEFITS LIKE


PAY IN 3
WITH TAKE 3


3 MONTHS, 3 PAYMENTS
AND PAY NO INTEREST


REPRESENTATIVE
39.9% APR VARIABLE


PAY £0 TODAY

Month 1 £70
Month 2 £70
Month 3 £70
Find out more





HOME INSURANCE WITH A HOT OFFER!


FREE DOLCE GUSTO COFFEE MACHINE WORTH £89.99 WITH VERY HOME INSURANCE (SUBJECT
TO AVAILABILITY).
OFFER ENDS 31/10/18.

New Very Home Insurance customers only. Introduced by Shop Direct Finance
Company Limited. Authorised and regulated by the Financial Conduct Authority.
Sales arranged by Direct Group Limited.

Find out more






Now you're here you can discover 100s of premium brands for you and
your home, all shoppable right now with your Very Exclusive account!

Shop New In





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?
Buy Now Pay Later is an interest-bearing option available with Very Pay 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).

You can choose:
Buy Now Pay Later for 6 months when you spend £50 or more.
Buy Now Pay Later for 9 months when you spend £150 or more.
Buy Now Pay Later for 12 months when you spend £300 or more.

The delayed payment period and minimum order values to qualify for Buy Now Pay
Later are subject to offer, and will be detailed 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
lump sum of compound 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, any outstanding balance plus a lump sum of compound interest
will be charged to your credit account.

How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a
payment", select "Pay Buy Now Pay Later" and allocate your payment to the
specific Buy Now Pay Later you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?
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 Very account. Any outstanding
balance plus the interest will now become payable on your account.

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.

If you have paid the cash price in full before the end of the delayed payment
period, you will not pay any interest.

What is excluded from Buy Now Pay Later?
The costs for delivery and installation services cannot be placed on Buy Now Pay
Later. Buy Now Pay Later availability is subject to your credit and account
status.

Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment
for your Very account. If you have a non-Buy Now Pay Later balance on your
credit account, 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

Shop now and delay payment, subject to your credit and account status.

 * Buy Now Pay Later is an interest-bearing option that allows you to delay
   payments on your purchases depending on the offer..
 * The costs for delivery and installation services cannot be placed on Buy Now
   Pay Later.
 * In checkout you can choose how long you would like to delay your payment for.
 * The delayed payment period starts from the date of order. Interest is
   calculated and compounded for the delayed payment period and is added to your
   account as a lump sum when this ends.
 * If you decide not to pay before the deferred payment period ends, the
   outstanding balance, plus the interest will now form part of your payable
   balance.
 * 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

Shop now and delay payment, subject to your credit and account status.

 * Buy Now Pay Later is an interest-bearing option that allows you to delay
   payments on your purchases depending on the offer..
 * The costs for delivery and installation services cannot be placed on Buy Now
   Pay Later.
 * In checkout you can choose how long you would like to delay your payment for.
 * The delayed payment period starts from the date of order. Interest is
   calculated and compounded for the delayed payment period and is added to your
   account as a lump sum when this ends.
 * If you decide not to pay before the deferred payment period ends, the
   outstanding balance, plus the interest will now form part of your payable
   balance.
 * 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 39.9% APR
variable (annual interest rate of 39.9% 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
   
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 * Become an affiliate
 * Corporate Social Responsibility
 * Fraud and scam awareness
 * Buying guides
 * Website Vulnerability Disclosure
 * Brand directory
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 * Privacy policy
 * Cookie policy
 * Manage cookies




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LET'S GET SOCIAL

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 * Instagram
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 * 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.


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

Shop now and delay payment, subject to your credit and account status.

 * Buy Now Pay Later is an interest-bearing option that allows you to delay
   payments on your purchases depending on the offer.
 * The costs for delivery and installation services cannot be placed on Buy Now
   Pay Later.
 * In checkout you can choose how long you would like to delay your payment for.
   The delayed payment period and minimum order values to qualify for Buy Now
   Pay Later are subject to offer, and will be detailed in checkout.
 * The delayed payment period starts from the date of order. Interest is
   calculated and compounded for the delayed payment period and is added to your
   account as a lump sum when this ends.
 * If you decide not to pay before the deferred payment period ends, the
   outstanding balance, plus the interest will now form part of your payable
   balance.
 * 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 39.9% APR
variable (annual interest rate of 39.9% variable). A personalised credit limit,
typically £1,000. You may be offered other promotional interest rates.


THE VERY ACCOUNT

The Account gives you a choice of payment options if you want to spread the cost
of your purchases. Take 3 - 3 payments, 3 months, pay no interest.
 * Take 3 spreads the cost over 3 months. For example, if your item is £90,
   you'll pay £30 month 1, £30 month 2 and £30 month 3. Simple!
 * Take 3 is automatically applied to everything you buy from Very, so if you
   want to Take 3 at any time, you don’t need to do anything. Excludes purchases
   on Buy Now Pay Later.
 * There's nothing to select at checkout, simply pay the Take 3 amount on your
   statement.
 * To avoid any interest, ensure you make all three Take 3 payments on time. If
   you don't, you'll incur interest.

Buy Now Pay Later - allows you to shop now and delay payment, and is subject to
your credit and account status.
 * Buy Now Pay Later 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.
 * In checkout you can choose how long you would like to delay your payment for.
 * The delayed payment period starts from the date of order. Interest is
   calculated and compounded for the delayed payment period and is added to your
   account as a lump sum when this 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.
 * The costs for delivery, installation services and any warranty and insurance
   products cannot be placed on Buy Now Pay Later.
 * Buy Now Pay Later cannot be used in conjunction with Take 3.

Flexible Monthly Payments
 * You always have the flexibility to pay a lower amount of your choice.
 * 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.


REPRESENTATIVE EXAMPLE

This represents a typical cost of using a Very Account: Representative 39.9% APR
variable (annual interest rate of 39.9% variable). A personalised credit limit,
typically £1,000. You may be offered other promotional interest rates.
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2


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