Limited. If you decide not to pay before the deferred payment period ends, the outstanding balance, plus the interest will now form part of pay this way you will be charged interest, and it will take you longer to pay off your balance. This must be at least 5 or 7% of your balance. Simply go shopping and add your purchases to your account and we'll work out your Over 18's only. Buy Now Pay Later for 6 months when you spend 50 or more. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch). Registered number: 4663281.Registered office: 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB. Over 18's only. You can choose: You can pay in full today using a credit or debit card. Very Pay credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. If you Any outstanding balance plus the interest will now become payable on your account. Get 10 back when you spend 125 or more with code GETFESTIVE10 This lets you split the cost of anything over 3 months. This represents a typical cost of using Very Pay: Representative 39.9% APR variable (annual interest rate of 39.9% variable). Registered number: 4660974. Take 3 payment for you. 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. The Very Group Limited. Please note that if you return items from your order the credit will be reversed if the order value falls below the required amount. In checkout you can choose how long you would like to delay your payment for. What is Buy Now Pay Later? You always have the flexibility to pay a monthly amount that suits you. Authorised and regulated by the Financial Conduct Authority. Remember, your interest rate information is in 'My Account'. your payable balance. Click here to visit My Account and click Change my credit limit. Find out more. This will attract interest at your account rate, meaning you will pay interest on interest. All you need to do is pay the Take 3 amount shown on your And you can avoid interest on every purchase. What is excluded from Buy Now Pay Later? Just make your minimum payment. However, if you do, interest will be charged at your account rate. Interest is calculated and compounded for the delayed payment period and Do I still have to pay my minimum 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. How is interest calculated? Available on any purchase, every time you shop, You'll only pay interest if you choose not to complete payment Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. How to avoid paying interest? Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. your home, all shoppable right now with your Very Exclusive account! The delayed payment period starts from the date of order. If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest. Shop now and delay payment, subject to your credit and account status. Internet Explorer 11 is no longer supported, For the best experience we recommend using a supported browser, such as Microsoft Edge or Google Chrome. Buy Now Pay Later is an interest-bearing option that allows you to delay payments on your purchases depending on the offer.. multiple partial payments. New Very Home Insurance customers only. The code can only be used once and not at the same time as other offer codes. Buy Now Pay Later availability is subject to your credit and account status. All Rights Reserved. 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. is added to your account as a lump sum when this ends. A personalised credit limit, typically 1,000. Alternatively, you can call us. 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. in 3 monthly instalments. This represents a typical cost of using Very Pay: Representative 39.9% APR variable (annual interest rate of 39.9% variable). This will be included within your account minimum payment request every month and cannot be repaid using Take 3. 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. This means you will pay interest on interest. Sales arranged by Direct Group Interest is calculated from date of order and compounded daily. Authorised and regulated by the Financial Conduct Authority. The interest will be added to your account as a lump sum at the end of the delayed payment period. Introduced by Shop Direct Finance Company Credit provided, subject to status, by Shop Direct Finance Company Limited. Buy Now Pay Later for 12 months when you spend 200 or more. Plus, you pay nothing for at least 20 days. If you decide you want to take a little longer to pay, you can. Authorised and regulated by the Financial Conduct Authority. The costs for delivery and installation services cannot be placed on Buy Now Pay Later. We will charge the full order value and then apply the credit back to your chosen payment method once the order is dispatched. Insurances & delivery/installation charges are excluded from the offer. What happens after the delayed payment period? Registered number: 4660974. Smart TV Boxes, Digital TV Recorders & Freeview Boxes, Sat Navs, Dash Cams & In Car Entertainment, Up to 40% off Selected Jewellery & Watches, 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. 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 If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate. The minimum payment is detailed on your statement. Just click the 'My Details' tab, and then into 'My APR'. A personalised credit limit, typically 1,000. 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. Limited. Get 20 back when you spend 175 or more with code GETFESTIVE20 You may be offered other promotional interest rates. statement on time and pay no interest. Representative Example Get 30 back when you spend 250 or more with code GETFESTIVE30 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. The costs for delivery and installation services cannot be placed on Buy Now Pay Later. You may be offered other promotional interest rates. Take 3 is automatically applied to everything you buy, so you don't need to do anything. Now you're here you can discover 100s of premium brands for you and Shop Direct Home Shopping Limited. 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. *Excludes purchases on Buy Now Pay Later. 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. How do I make a Buy Now Pay Later payment? Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Very account.