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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.
Pay in 3 with Take 3
Very Pay gives you a choice of ways to pay
Pay in 3 with Take 3
Buy Now Pay Later
Very Pay gives you a choice of ways to pay
Pay in 3 with Take 3
Buy Now Pay Later

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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.

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 £ or more.
Buy Now Pay Later for 12 months when you spend £ 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.

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