Buy Now Pay Later with Very
You could choose to delay your payment for up to 6 months
What is Buy Now Pay Later? (BNPL)
BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 6 months depending on how much you spend. The delayed payment period starts from the date of order. BNPL is subject to account status.
Spend €200 or more and delay your payments for 6 months (Subject to eligibility)
If you are eligible your BNPL offer details will be presented in checkout.
How Buy Now Pay Later works & how to avoid interest
How it works
Simply click on the “Buy Now Pay Later” link which appears during checkout. The value of your Buy Now Pay Later order must not be greater than the amount available to spend on your account. Choose to either pay in full within 6 months and avoid any interest or pay some or nothing for 6 months and interest will be charged on remaining balance – 39.7% APR.
How can you avoid paying Buy Now Pay Later interest?
You can avoid all 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.
Payments are due on the same date every month so you can plan and budget easier.
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 account.
How to make a Buy Now Pay Later payment?
To make a full or partial payment to a Buy Now Pay Later transaction simply log in to “My account”, choose “Make a Payment” and select “Pay Buy Now Pay Later” located in the left column. Choose which items you’d like to make a payment towards.
Alternatively, you can call us.
View contact detailsWhat is excluded from Buy Now Pay Later?
The costs for delivery and installation services cannot be placed on Buy Now Pay Later.
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 account, you will still need to make at least the minimum payment as shown on your statement.
How do I check my credit limit?
Simply log in to "My Account" to view your credit limit online. To find out if you are eligible for a credit limit increase, click here for contact details.
Why have you asked me to provide ID?
Because shopping with a Very Account offers you a choice of ways to pay, we are required by law to hold proof of your identity. This is to help protect you from financial crime and to meet our anti-money laundering obligations as a financial services provider regulated by the Central Bank of Ireland.
Click here to find out more and submit your details.
Warning: This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from other lenders regulated by the Central Bank of Ireland.
39.7% APR variable
Representative example based on minimum monthly payments.
€200 purchase 29 monthly payments of 8% of balance (or €8 if greater)
Rate of Interest 39.7% APR
Total amount €277.01
If you pay more than the minimum monthly payment the loan will be cleared in a shorter period of time.
Our high cost credit provider agreements have a maximum APR of 39.7%.
Licensed high cost credit providers must assess your creditworthiness in accordance with regulatory requirements.
Before providing credit, we will seek such information from you.
NOTICE:
Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 or above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.