Get cosy with snug bedding, fleecy throws and heavier tog duvets.
We've lots of heavier tog duvets that are perfect for the cooler
months with a choice of anti-allergy, microfibre or hollow fibre fillings.
Shop Bedding
Dress your windows to beat the temperature drop with fresh curtains
and blinds, plus look out for our extra-cosy thermal options too
Shop Curtains and Blinds
We've lots of ways you can focus on your well-being so everything's
in
place for a perfect night's sleep
Side-sleeper or star-fish sprawler, the way your mattress responds to
your body heat is just as important as getting the firmness right
Find your
perfect mattress
Shop mattresses
Shop memory foam
Body moulding material responds to temperature and adapts quickly to your sleeping position
for superb comfort
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Shop pocket spring
Each spring works independently to spread weight evenly and prevent roll-together
Shop pocket spring
Shop rolled
Vacuum packed mattresses for convenience and easy handling to the room of your choice
Shop rolled
Find just the right level of support plus lots of clever storage with
beds and divans from brands like Silentnight, Airsprung and more
Create their dream space to sleep, study and play with
the latest beds, bedding, storage and workspace ideas
Shop Kids Bedroom
Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more
Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.
Remember, avoid paying all 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.
1
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 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.
How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.
Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.
How to avoid paying interest?
You can avoid paying all interest for both periods 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 may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.
Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.
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 item(s) you wish to pay off. Alternatively, you can call us.
What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.
If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.
What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.
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 Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.
The Very Account
The Account gives you a choice of payment options if you want to spread the cost of your purchases. Take 3 - 3 payments, 3 months, pay no interest.
- Take 3 spreads the cost over 3 months. For example, if your item is £90, you'll pay £30 month 1, £30 month 2 and £30 month 3. Simple!
- Take 3 is automatically applied to everything you buy from Very, so if you want to Take 3 at any time, you don’t need to do anything. Excludes purchases on Buy Now Pay Later.
- There's nothing to select at checkout, simply pay the Take 3 amount on your statement.
- To avoid any interest, ensure you make all three Take 3 payments on time. If you don't, you'll incur interest.
Buy Now Pay Later - allows you to shop now and delay payment, and is subject to your credit and account status.
- 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.
- In checkout you can choose how long you would like to delay your payment for.
- The delayed payment period starts from the date of order. Interest is calculated and compounded for the delayed payment period and is added to your account as a lump sum when this ends. Remember, avoid 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.
- The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later.
- Buy Now Pay Later cannot be used in conjunction with Take 3.
Flexible Monthly Payments
- You always have the flexibility to pay a lower amount of your choice.
- This must be at least £5 or 7% of your balance. The minimum payment is detailed on your statement.
- If you pay this way you will be charged interest, and it will take you longer to pay off your balance.
Remember, your interest rate information is in 'My Account'. Just click the 'My Details' tab, and then in to 'My APR'.
Protect - Furniture
can help protect your purchases when it matters most.
Do you worry about your furniture getting damaged? Protect – Furniture covers accidental damage including rips, burns, stains and scratches with no excess to pay.
Could you do without a costly repair? Protect – Furniture covers structural defects including damaged frames, springs and cushions after the manufacturer’s warranty ends.
It’s easy to make a claim through the online claims portal.
Protect – Furniture is available to purchase in connection with all eligible products.
Additional information can be found in the Insurance Product Information Document (IPID)Insurance Product Information Document (IPID).
Protect – Furniture insurance excludes some situations including general wear and tear and accumulated damage.
The full list of benefits and exclusions can be found in the policy Terms and ConditionsTerms and Conditions.
Please remember to check if your item is already covered by another insurance policy.
Shop Direct Finance Company will receive a commission from the insurance product provider for the arrangement of your policy.
Terms and conditions apply. Protect – Furniture Insurance is arranged by Shop Direct Finance Company Limited. Registered Number 4660974. Registered Office: Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL. Authorised and regulated by the Financial Conduct Authority. Firm Ref: 312190. The Insurer is Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG. Registered Office: Aeulestrasse 60 (2. Stock) 9490 Vaduz, Liechtenstein. Authorised by the Financial Market Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of the Insurer’s regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from the Insurer on request. Firm Ref: 454140. As Shop Direct Finance Company Limited acts as agent for the Insurer, monies paid to (or held by) it in relation to the insurance contract are treated as having been paid to (or held by) the Insurer.
