Buy Now Pay Later with Very Pay

How BNPL works

How to avoid interest

More payment options

Up to 6 months to pay with Buy Now Pay Later.

And pay no interest.

Representative 39.7% APR Variable

Pay in full within the delayed payment period to pay no interest. Subject to eligibility.

So what’s Buy Now Pay Later (BNPL) all about?

Simply put, BNPL is a flexible way to delay your payments when you need to buy something a little more pricey – from sofas to smartphones and everything in between!

You can delay payment for 6 months (depending on how much you spend) but you also have the flexibility to pay as much or as little as you want in one, or multiple payments.

Pay in full during the delayed payment period to avoid interest on your BNPL purchase.

The need-to-know bits

BNPL is an interest-bearing option that allows you to delay starting payments for your purchases for 6 months - the delayed payment period starts from the date of order.

The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.

Apply for a Very Pay credit account today

Apply now

Understanding Buy Now Pay Later

Everything you need to know about how BNPL works - and how to use it without paying more than you need to.

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. 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.

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

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 – 39.7% APR.

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

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.