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What is Buy Now Pay Later?

Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 6 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

Buy Now Pay Later gives you the freedom to buy what you need now and pay for it later. It means you can delay paying anything for 6 months on selected orders worth €200 or more. Plus, you can avoid paying any interest if you pay for your order in full within this time.

Spend

€200

Or more

and delay your payments for 6 months

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 when buying an item worth €200 or more. 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 – 39.9% APR. Buy Now Pay Later is available to customers who have held a Very credit account for 6 months subject to the account status.

How can you avoid paying Buy Now Pay Later interest?

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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.

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Payments are due on the same date every month so you can plan and budget easier.

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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.

What 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 your 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. The value of your Buy Now Pay Later order must not be greater than the amount available to spend on your account. You can call us on 01 811 2222 to find out if you are eligible for a credit limit increase.

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.

39.9% APR variable

Representative example based on minimum monthly payments.

€200 purchase 22 monthly payments of 10% of balance (or €10 if greater)

Rate of Interest 39.9% APR

Total amount €256.77

If you pay more than the minimum monthly payment the loan will be cleared in a shorter period of time.

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