First Floor, Skyways House, Speke Road, Liverpool L70 1AB.īook your delivery date at the point of order Mon - Sat 7am - 7pm*

Goods and services provided by Shop Direct Home Shopping Limited. Authorised and regulated by the Financial Conduct Authority. Very Pay credit is provided, subject to status, by Shop Direct Finance Company Limited. Offer will not be applied if code WELCOME is not entered at the checkout and cannot be used in conjunction with other offers. Non-eligible items: iPhone 15 models, Apple Watch Series 9, Ultra 2 and SE, PlayStation 5 & Xbox Series X consoles, Google Pixel 8 models, egg2, digital downloads, insurance products, delivery & installation services. If so we will credit your account with a voucher of 20% of your remaining eligible order. Returned items will reflect the discounted price.īenefit will be capped at £100. A £100 credit will be applied to your new account once the order has been dispatched. If you make returns that bring the value of your order below £500 then the credit will be reversed. Maximum benefit is £100.Ģ0% discount will be applied to each individual item in basket. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.Īpply for Very Pay and enter WELCOME at the checkout. What is excluded from BNPL? The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.ĭo I still have to pay my monthly minimum payment? Yes, allocating payments to BNPL will not cover the minimum payment on your account. This will be included within your account minimum payment request every month and cannot be repaid using Take 3. Any outstanding balance plus the interest will now become payable.Īs 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. 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. If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest. What happens after the delayed payment period? You can allocate your payment to the specific BNPL you wish to pay off. How do I make a BNPL payment? To make a full or partial payment simply log into your account. 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. 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. 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. This means you will pay interest on interest. The interest will be added to your account as a lump sum at the end of the delayed payment period. How is interest calculated? Interest is calculated from date of order and compounded daily. If you are eligible for BNPL your offer details will be confirmed in checkout. 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. Subject to eligibility, you may choose from:īNPL for 6 months when you spend £100 or more.īNPL for 9 months when you spend £150 or more.īNPL for 12 months when you spend £300 or more. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch). 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.

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