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If you have a non-Buy Now Pay Later balance on your Very account you will still need to make at least your minimum payment as shown on your statement.īuy 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. Buy Now Pay Later availability is subject to your credit and account status.ĭo 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. What is excluded from Buy Now Pay Later? The costs for delivery and installation services cannot be placed on Buy Now Pay Later.

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If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.

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Any outstanding balance plus the interest will now become payable on your account.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. 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. 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. 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 Very account. 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.

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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. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).īuy Now Pay Later for 6 months when you spend £100 or moreīuy Now Pay Later for 9 months when you spend £150 or moreīuy Now Pay Later for 12 months when you spend £300 or more 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.